What is the best supplemental insurance for medicare

Medicare provides essential health coverage for millions of Americans, particularly those aged 65 and older. However, Original Medicare (Parts A and B) doesn’t cover everything, often leaving beneficiaries with significant out-of-pocket costs.

To bridge this gap, many turn to supplemental insurance, commonly known as Medigap. This article explores the best supplemental insurance options for Medicare, helping you understand how Medigap works, what to consider when choosing a plan, and which providers offer the best coverage.

Understanding Medigap: What Is It?

Medigap is private health insurance designed to supplement Original Medicare. It helps cover some of the costs that Medicare doesn’t, such as co-payments, coinsurance, and deductibles. Medigap plans are standardized and regulated by federal and state laws, ensuring consistent benefits across providers.

Standard Medigap Plans

Medigap plans are standardized into ten different plan types, labeled A through N. Each plan type offers the same basic benefits regardless of the insurance company, but premiums can vary. Here’s an overview of the most popular Medigap plans:

Plan A:

Provides basic benefits, covering coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted.

Plan B:

Similar to Plan A but includes coverage for the Part A deductible.

Plan C:

Covers all basic benefits, including the Part B deductible. Note: Plan C is not available to those newly eligible for Medicare after January 1, 2020.

Plan D:

Covers all basic benefits but does not cover the Part B deductible or Part B excess charges.

Plan F:

Offers the most comprehensive coverage, including the Part B deductible and excess charges. Note: Plan F is not available to those newly eligible for Medicare after January 1, 2020.

Plan G:

Similar to Plan F, but does not cover the Part B deductible. This plan is often considered the best option for new enrollees seeking comprehensive coverage.

Plan K and L:

Offer lower premiums with higher out-of-pocket costs, covering a percentage of certain services rather than the full amount.

Plan N:

Covers many of the same benefits as Plan F, but requires co-payments for some doctor and emergency room visits.

Factors to Consider When Choosing a Medigap Plan

Selecting the best Medigap plan requires careful consideration of your health needs and financial situation. Here are key factors to keep in mind:

Coverage Needs:

Assess your current and anticipated healthcare needs. If you have frequent medical visits or require specialized care, a comprehensive plan like Plan G or Plan N might be suitable.


Consider your budget for premiums and out-of-pocket costs. Plans K and L have lower premiums but higher out-of-pocket expenses, making them suitable for those with fewer medical needs.

Provider Reputation:

Research the insurance company’s reputation, customer service, and financial stability. Look for reviews and ratings from trusted sources such as the Better Business Bureau (BBB) or A.M. Best.

Enrollment Timing:

The best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period, which is the six-month period that starts the month you turn 65 and are enrolled in Part B. During this period, you can buy any Medigap policy sold in your state, even if you have health problems.

Top Medigap Providers

Here are some of the top-rated Medigap providers, known for their strong coverage options and customer satisfaction:

UnitedHealthcare (AARP):

UnitedHealthcare offers Medigap plans in partnership with AARP, providing a variety of plan options with strong customer service and extensive networks. It’s one of the most popular choices due to its comprehensive coverage options and member benefits.

Mutual of Omaha:

Known for competitive pricing and excellent customer service, Mutual of Omaha offers a range of Medigap plans with additional benefits like household discounts.


Humana provides a variety of Medigap plans with added benefits such as vision and dental discounts. They are known for their robust customer support and wellness programs.


Cigna offers competitive rates and a variety of plan options. They provide a strong emphasis on preventive care and have an extensive network of healthcare providers.

Blue Cross Blue Shield:

With a strong reputation and a wide range of plan options, Blue Cross Blue Shield offers reliable coverage and excellent customer service. They are known for their comprehensive provider networks.

Tips for Choosing the Best Plan

Compare Costs:

Premiums for the same Medigap plan can vary between insurance companies, so it’s essential to compare prices.

Check for Discounts:

Some insurers offer discounts for paying annually, enrolling online, or living with another Medigap policyholder.

Evaluate Customer Service:

Good customer service can make a significant difference in managing your plan and addressing any issues that arise. Look for companies with high customer satisfaction ratings.

Consider Long-Term Costs:

While a lower premium might be attractive, consider the potential out-of-pocket costs, especially if you anticipate needing frequent medical care.


Choosing the best supplemental insurance for Medicare involves understanding your health needs, comparing plan benefits, and evaluating insurance providers. Plans G and N are often recommended for their comprehensive coverage, especially for new Medicare beneficiaries. UnitedHealthcare (AARP), Mutual of Omaha, Humana, Cigna, and Blue Cross Blue Shield are among the top providers known for their strong plans and customer service. By considering your budget, coverage needs, and the reputation of the insurance provider, you can find the best Medigap plan to ensure you have the necessary coverage for your healthcare needs.

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