There are dozens of private healthcare providers offering Medigap policies. Some only operate in certain states, and all charge different rates for premiums.

While the Federal government ensures these insurers offer standardized benefits in their plans. However, the government has no say in what they charge or the additional benefits they can offer prospective members to get them to sign up.

This post looks at the top four Medigap policy providers and where to buy Medicare supplement plans website offerings.

Call our team at 1-888-891-0229 for a personalized consultation on the right Medigap policy for you.

We work with all the leading private insurers and will get you the best deal on your Medigap Plan in any state.

You can use the automated quoting tool on our site for a free quote on your plan or complete the contact form, and we’ll have a Medigap expert connect with you at a convenient time.

Compare Plans & Rates

Enter Zip Code

Where To Buy Medicare Supplement Plans Website Methodology – How We Choose Them

We choose the top Medigap providers by comparing them to a list of criteria. Here are the factors we used to measure the performance of each provider.

• The number of Medigap policies available from the provider.
• The number of states they offer plans in.
• If they provide Part D coverage for prescription medications.
• They offer policyholders additional benefits beyond what’s available in the Federally standardized benefits.
• AM Best rankings show the company’s financial strength.
• Consumer feedback ratings.

Our reviews give you summaries of these factors and what they offer policyholders.

Before we start, it’s important to note that all Medigap policies provide standard benefits regulated by the Federal government. That means all plans from all providers offer you some level of the following benefits.

• Medicare Part A deductible
• Medicare Part A coinsurance and hospital stays up to 365 days after your Medicare benefits run out.
• Medicare Part B coinsurance for outpatient procedures and care.
• Medicare Part B copays at the doctor’s office.
• Up to the first three pints of blood in blood transfusions.
• Hospice and skilled nursing facility care coinsurance
• 80% coverage for healthcare costs incurred when traveling outside the United States. ( A $250 deductible applies, and you have a $50,000 lifetime maximum).

Most Medicare plans don’t cover the cost of prescriptions or preventative care services, like vision, heating, and dental.

The Top-Rated Medicare Supplement Plan Providers

#1 AARP by UnitedHealthcare

• Covers all 50 states with Medigap policies.
• Offers nine Medigap plans.
• Provides additional benefits to policyholders.

Why We Choose Them

AARP is the leading healthcare insurer offering Medigap plans. It has some of the most affordable premiums on all plans across all states and excellent additional benefits and perks for its beneficiaries.

AARP is part of UnitedHealthcare, the largest insurer in America, serving more than 43 million Americans with healthcare services across all 50 states. Today, AARP provides Medigap plans for more than 4.4 million Americans.

What are the Advantages and Drawbacks?

• Offers Part D plans for prescription drug coverage.
• Excellent premiums on most plans in most states.
• Good customer feedback.
• Vision, hearing, and dental benefits are available for Medigap policyholders.
• “A” rating from AM Best.
• Challenging to navigate the official website.
• Some Medicare SELECT plans come with limitations on the coverage area.
• You must be an AARP member to buy a policy.

#2 Mutual of Omaha

• Provides Medigap policies in 49 states.
• Offers beneficiaries six different types of Medigap policies.
• Plans can include additional perks and benefits for members beyond what Federal regulations set as minimum standards.

Mutual of Omaha is another massive healthcare company operating in 49 states. It has a comprehensive offering of Medigap plans, including High-deductible Plan G.

The company’s interactive website allows prospective members to get all the information they need on the plan they’re considering.

Prospective members can connect with a sales agent in their area, get a quote and apply for their policy, all through the official website. The company has an excellent financial strength rating and one of the best customer service departments in the industry.

What are the Advantages and Drawbacks?

• A+ rating for financial strength from AM Best.
• Offers beneficiaries access to Part D for prescription medication coverage.
• Dental, vision, and hearing benefits are available to members.
• Doesn’t offer all types of Medigap policies.
• Plans not available for prospective members in Massachusetts

#3 Blue Cross Blue Shield

• BCBS covers all 50 US states with Medigap policies.
• Offers all ten Medigap plans.
• Coverage available in all 50 states.
• Offers 10 types of Medigap plans.
• Plans can include additional perks and benefits for members beyond what Federal regulations set as minimum standards.

Why We Choose Them

Blue Cross Blue Shield (BCBS) is a collection of 34 independent companies operating in states across America. Since it consists of independent companies, BCBS policy premiums can vary widely from state to state and by the insurer.

BCBS covers all 50 US states and Puerto Rico, offering most Medigap plans in at least one location, including the high-deductible Plans F & G. The company also provides its “Plan G Plus” program offering additional benefits like vision, hearing, and dental coverage.

BCBS caters to 3.6 million Medicare beneficiaries across America, and you also have extra perks like fitness programs and discounts available.

What are the Advantages and Drawbacks?

• “A” rating for financial strength from AM Best.
• Part D prescription medication coverage is available.
• Plans are available in all 50 states and Puerto Rico.
• Customer experience and service are inconsistent across companies under the BCBS umbrella.
• Doesn’t offer all plans in all areas.

#5 Cigna

• Medigap plans are available in 48 states.
• Offers six Medigap plans.
• Plans can include additional perks and benefits for members beyond what Federal regulations set as minimum standards.

Why We Choose Them

Cigna is the fourth-largest healthcare insurer in the United States, with an excellent reputation and good customer service reviews. The company has limited plans, but it focuses on the more popular ones, with high-deductible Plan G available in select states.

Cigna offers beneficiaries competitive rates in most states and extended perks and benefits to Medigap members, such as gym memberships. The company has a great online discount for enrollees.

What are the Advantages and Drawbacks?

• “A” rating for financial strength from AM Best.
• Offers Part D prescription medication coverage.
• Good discount program for online applications.
• Doesn’t offer all Medigap plans.
• Plans are not available in New York or Massachusetts.