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Best Medicare Supplement Insurance Companies in 2024
Find the best Medigap insurance company for your needs and your budget.
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Written by Alex Rosenberg
Lead Writer
Medicare Supplement Insurance (Medigap) plans may have standardized benefits, but that doesn’t mean every company’s offerings are equally good. We analyzed Medicare Supplement Insurance companies covering nearly 87% of all Medigap beneficiaries to pick the best of 2024 based on cost, member satisfaction and more.
Here are NerdWallet’s picks for the top five companies for Medicare Supplement plans in 2024.
Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance.
Best for member satisfaction: State Farm Medicare Supplement Insurance.
Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance.
Best for extra benefits: Anthem Medicare Supplement Insurance.
Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance.
Why trust NerdWallet
Best Medicare Supplement Insurance companies
NerdWallet compares Medigap supplemental health insurance companies' performance in terms of plan choices, member satisfaction, affordable prices, extra perks, service area and more.
Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance
More plan type options can offer greater flexibility to choose the best fit for coverage and cost.
Pros
Offers as many as eight out of 10 plan types.
Available in every state.
Few customer complaints.
Cons
Plans with health and wellness discounts may cost a little extra in some areas, while some competitors include them at no additional cost.
Plan variations and extras can get confusing.
Network requirements for lower-cost Medicare Select plans.
Plan types offered: A, B, C, F, G, K, L and N.
NAIC complaint rate: Far fewer than expected.
Service area: 50 states and Washington, D.C.
The bottom line: AARP Medicare Supplement Insurance from UnitedHealthcare is NerdWallet’s top-rated Medigap option for 2024. AARP offers most Medigap plan types — often with multiple options for pricing and extra benefits — and plans are available everywhere. Prices are competitive, and complaint rates are considerably lower than the market average.
» MORE: Read our review of AARP/UnitedHealthcare Medicare Supplement Insurance
Best for member satisfaction: State Farm Medicare Supplement Insurance
Plans with low complaint rates might offer a better member experience and/or more helpful customer service.
State Farm
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Pros
Complaint rates over 50% below the market average.
Competitive prices in some higher-cost locations.
Cons
Few discounts or health and wellness perks.
High premiums in some locations.
Plan types offered: A, C, D, F, G and N.
NAIC complaint rate: Far fewer than expected.
Service area: 45 states and Washington, D.C.
The bottom line: State Farm is one of NerdWallet’s top 2024 Medigap picks. It sells Medigap policies in most states and members have few complaints about them. However, prices could be lower in some locations, and competitors offer more opportunities for discounts or added perks with your policy.
» MORE: Read our review of State Farm Medicare Supplement Insurance
Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
Price-conscious shoppers who qualify might find savings of 10% or more from premium discounts.
Mutual of Omaha
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Pros
Complaint rates are well below the market average.
Available in every state but Massachusetts.
Up to a 12% discount for living with another adult.
Cons
Few choices for plan type.
Plan types offered: A, F, G and N.
NAIC complaint rate: Far fewer than expected.
Service area: Every state except Massachusetts, plus Washington, D.C.
The bottom line: Mutual of Omaha is one of NerdWallet’s top Medicare Supplement Insurance picks for 2024. It stands out from competitors with a large household discount and low complaint rates. Mutual of Omaha offers only a few Medigap plan types, though, and some competitors have lower premiums.
» MORE: Read our review of Mutual of Omaha Medicare Supplement Insurance
Best for extra benefits: Anthem Medicare Supplement Insurance
Combining Medigap, dental and/or vision insurance could be more convenient than shopping and paying separately for each.
Anthem
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Pros
Mix and match dental and vision add-ons.
Several discounts based on household and payment methods.
Extra perks for fitness, health and wellness products and services.
Cons
Lower-coverage plans are sometimes more expensive.
Few Medigap plan types available.
Available in only about one-third of states.
Plan types offered: A, F, G and N.
NAIC complaint rate: Close to expected.
Service area: 14 states.
The bottom line: Anthem sells Medicare Supplement Insurance under the Blue Cross Blue Shield collective. The company stands out from most competitors by offering several options to add dental and vision coverage to Medigap plans. It offers only a few plan types, though, and serves relatively few states.
» MORE: Read our review of Anthem Medicare Supplement Insurance
Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
Companies that cover more states might make it easier to stay covered if you relocate to another state in the future.
Blue Cross Blue Shield
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Pros
"Blue to Blue" program could mean easier changes to coverage in the future.
Available in all 50 states and Washington, D.C.
Cons
Offerings and experiences vary depending on BCBS company.
Cheaper Medicare Select plans have network requirements.
Plan types offered: As many as A, B, C, D, F, G, K, L, M and N — varies by company/state.
NAIC complaint rate: Close to expected.
Service area: 50 states and Washington, D.C.
The bottom line: Blue Cross Blue Shield is a network of 33 companies that share a brand name, but often differ in terms of Medigap plan offerings, pricing, discounts, customer service and more. Specifics about your local BCBS company might determine whether it’s a good fit for you.
» MORE: Read our review of Blue Cross Blue Shield Medicare Supplement Insurance
Because rating factors can differ significantly among over 30 independent Blue Cross Blue Shield companies, NerdWallet doesn't calculate a star rating for Blue Cross Blue Shield as we do for other Medigap companies. For more information, see our full ratings methodology.
💬 From our Nerds: What are the top five Medicare supplement plans?
"Based on NerdWallet’s 2024 Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2024: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield. These companies stood out based on plan types offered, premiums, discounts, complaint rates and nationwide availability."
— Alex Rosenberg, lead writer covering Medicare
How we choose the best Medicare Supplement plans
To rate the best Medicare Supplement plans, NerdWallet evaluates Medicare Supplement Insurance companies on factors including:
Prices for Medigap Plan G and Plan N in multiple metro areas.
Consumer complaint rates.
Availability and size of premium discounts.
Online price quote availability.
Range of Medigap plan types offered.
Medical loss ratio (the percentage of premiums spent for member benefits).
Breadth and type of extra non-Medicare perks included with plans.
We continually reevaluate and update our methodology to reflect evolving industry standards and consumer needs.
Medigap plan types
Get details on Medicare Supplement plan options | |
Coverage | Medigap Plan |
Basic benefits | |
Basics plus some extras | |
Highest coverage | |
Lower premiums, but higher copays | |
Lowest premiums — partial coverage | |
No longer for sale to new Medicare members | |
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Note regarding NAIC complaint data: NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
