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The Best Medicare Supplement Plans

Where Can You Find the Best Medicare Supplement Plans?

If you or a loved one is approaching the age of 65, or will be qualified for Medicare Parts A and B soon for another reason, it's the ideal time to start shopping around for supplemental coverage.

You are probably already aware that your Medicare insurance pays for most of your costs - but not all. That's why Medicare Supplement plans are often known as "Medigap": they close the distance between the 80% that's covered and the 20% that isn't, so that you have fewer or no out-of-pocket costs.

Friday, January 22nd

2021 Medicare Supplement Plan Reviews

United Medicare Advisors Review TopConsumerReviews.com Best-In-Class Blue Ribbon Award 5 Star Rating

United Medicare Advisors

5 Star Rating TopConsumerReviews.com Best-In-Class Blue Ribbon Award

United Medicare Advisors is an excellent choice for your Medicare Supplement Plan. They can deliver great Medicare Supplement plans from trustworthy companies at the lowest possible rates. They have an excellent reputation in the industry, and more than 20,000 reviews from happy customers. For these reasons, and more, we've awarded them our highest rating.

Go Medigap Review 4 Star Rating

Go Medigap

4 Star Rating

Go Medigap provides Medicare Supplement Plans in all 50 states and from all of the major insurers - more than 30. The company has received the highest accolades from the BBB and from thousands of happy clients, especially because of their unique Rate Watch feature that lets you know if the plan you purchased might not be your best option when rates increase. On the other hand, their quote for our comparison plan was 30% higher than several of their rivals, so you might not save money here.

Aetna Review 4 Star Rating

Aetna

4 Star Rating

Aetna offers all of the Medicare Supplement Plans on the market and has been in business for more than a century. They have a strong reputation and their plans were quoted as the lowest-priced premiums by many of the brokers we surveyed. It's hard to go wrong when choosing Aetna for your Medigap coverage.

SelectQuote Senior Review 3.5 Star Rating

SelectQuote Senior

3.5 Star Rating

SelectQuote Senior enjoys a healthy reputation, in business for more than three decades and providing insurance plans from only the highest-rated companies in the industry. They also give ample follow-up after you've chosen your Medicare Supplement Plan, making sure you're satisfied with your coverage and checking in to see if your needs have changed. This is a reliable broker of supplemental coverage, though it takes much longer than most rival sites to actually get through the quote process. If you decide to try SelectQuote Senior, make sure to set aside ample time as you determine which plan they can offer you!

Blue Cross Blue Shield Review 3.5 Star Rating

Blue Cross Blue Shield

3.5 Star Rating

BlueCross BlueShield - sometimes known as Anthem or BCBS - is one of the most well-known brands in the insurance industry. Their rates for Medicare Supplement Plans tend to fall right in the middle of the spectrum, but one big advantage is that you can see exact quotes and even sign up for your coverage online. Unfortunately, the BBB gives the company a low rating, keeping them from a higher ranking among the insurers and brokers we evaluated.

GoHealth Review 3 Star Rating

GoHealth

3 Star Rating

GoHealth is one of the most widely-used brokers of Medicare Supplement Plans in America. They enjoy a strong reputation and have gotten thousands of 5-star reviews from happy customers. But, they only provide plans from less than a dozen insurance companies, and the quotes we received were priced higher than most of GoHealth's rivals. Depending on where you live, you may not find affordable plans when using them as your broker.

Humana Review 3 Star Rating

Humana

3 Star Rating

Humana lets you compare their Medicare Supplement Plans on their website, and you can even complete your enrollment without having to work with an agent. There's even a discount for "online only" subscriptions to their coverage. We found their premiums to be much higher than their competitors', and despite a BBB rating of "A+" some brokers consider them to be less reliable than other insurers.

Medicare Plans Review 2.5 Star Rating

Medicare Plans

2.5 Star Rating

As a division of LendingTree, Medicare-Plans ought to be a strong option among providers offering quotes for Medicare Supplemental Plans. However, their website doesn't offer much information, and you might get a rep on the phone who doesn't know much about the plans available in your state. Also, unlike many similar insurance brokers, Medicare-Plans doesn't give you any follow-up or support once you've selected your coverage and paid your premiums.

Cigna Review 2.5 Star Rating

Cigna

2.5 Star Rating

Cigna offers Medicare Supplement Plans and lets you get an idea of your premiums right on their website. We like that the company has an "A+" rating from the BBB, which says they're trustworthy overall. But, we had some concerns with their quotes: premiums higher than average, challenging to sift through, and eventually being quoted a Medigap plan for which we weren't actually eligible. We recommend that you consider other plans before committing to Cigna's.

Health IQ Review 2 Star Rating

Health IQ

2 Star Rating

If you're more physically fit than the average senior, Health IQ thinks they might be able to save you some money on your Medicare Supplement Plan. The company believes that people who are more likely to be healthy should pay less in premiums. You'll have to provide more information than usual to be eligible for those discounts, and in the end you may get a quote that's the exact same as what you'll find elsewhere. Plus, this broker's process of quoting a policy wasn't as smooth as others we evaluated, so you may want to choose another provider or broker for your coverage.

HealthCare Review 2 Star Rating

HealthCare

2 Star Rating

HealthCare has only been in business for a few years, and their "B" grade from the Better Business Bureau isn't encouraging. This service serves only as a referrer to other brokers: when you call for a quote on your Medicare Supplement Plan, you'll be connected to an agent from any one of several companies, because HealthCare doesn't actually sell policies. You'll get much more transparency from another provider.

Compare the Best Reviews

Continued from above...

Medicare Supplement Plans are given letter names, so it can be easy to wind up confused. Plus, plans and their coverage are always changing. For example, Plan F was considered the go-to package, but it was discontinued for anyone starting coverage after January 1, 2020. Its replacement at the time, Plan G, offered similar benefits - fully covering that extra 20% and more - but added an annual deductible to the equation.

Another factor to keep in mind is the "guaranteed issue period". For the six months following your 65th birthday, you can get a Medicare Supplement Plan with no requirements beyond paying your premiums. By law, you can't be excluded for any health conditions, although your premiums will be higher if you're a smoker. But, once that grace period concludes, insurers can require more detailed information about your health conditions such as diabetes or heart conditions, and you can expect your premiums and available plans to change accordingly.

When buying a Medicare Supplement Plan, you have two basic routes: buy directly from an insurance company or go through a broker. Going to an insurance company you already trust can be an appealing option. You'll typically find the best rates for that particular insurer. On the other hand, using a broker often gives you access to not just your favorite insurance company but many others. So, with one process you can get the best rates from a number of providers at the same time - including that rate you got when you contacted the insurance company directly.

Whether you decide to use a broker or to buy directly from an insurance company, it's wise to do your research beforehand. The last thing you want is for an eager rep to steer you towards a plan that doesn't fit your needs, so take the time to browse several providers' websites before getting in touch. However, because Medicare rules state that all plans have to be sold in person or on the phone, you'll eventually have to speak with someone to finalize your Medicare Supplement Plan.

TopConsumerReviews.com has reviewed and ranked the best Medicare Supplement Plans available today. We hope our in-depth evaluations help you save time and money by giving you the information you need to choose the best provider and plan for your needs!

The Best Medicare Supplement Plans Compare Medicare Supplement Plans Compare Medicare Supplement Plan Reviews What are the best Medicare Supplement Plans Best Medicare Supplement Plan Reviews

Medicare Supplement Plan FAQ

Medicare Supplement Insurance is additional coverage beyond traditional Medicare. Also known as "Medigap" , these plans cover some or all of the expenses that aren't covered by your basic Medicare benefits.
Original Medicare only covers 80% of most medical expenses. The remaining 20% can get extremely costly, especially if you have a long hospitalization or a condition that requires specialized treatment. Medicare supplemental plans can ease the financial burden, kicking in where Medicare stops and reducing your out-of-pocket costs.
That depends entirely on the plan you select. Will you choose a high-deductible plan with lower premiums, or is it worth it to you to pay more in premiums to pay nothing when you have a medical expense? It also is heavily influenced by your particular situation: where you live, if you're a smoker, male vs. female, your age, and so forth. For Plan G coverage (the most popular of the Medicare supplemental plans), expect monthly premiums in the $110 - $160 range.
It can be confusing at first, partly because they're all identified by letter names (for example Plan A, Plan B, and so on) - and they're often mistaken for the similarly-named components of Medicare itself (Part A, Part C, and more). Again, the main differences relate to the trade-off between deductible amounts and premiums: pay more upfront to spend less later, or vice-versa. Plan benefits are standardized, however, so whether you choose a Plan M with one insurer or another, your coverage is the same.
While your coverage is the same regardless of which provider you use, premiums vary. It's a good idea to speak with a few companies, or with a broker that can give you quotes from several insurers to compare. Also, each company offers a different package of "extras" to complement your Medigap coverage. Some services will keep an eye on your premiums and let you know if you're going to experience a significant increase - and they'll even recommend a new insurer if they find one that's better suited to your needs.
Unfortunately, yes. Just like any other form or insurance (such as auto, medical, homeowner's), your Medicare supplement insurance premiums may change. Insurers may lock in your rate for a year or two, but you should be prepared for an increase in the future. There are a few providers who have a strong track record for keeping increases infrequent and small.
That depends. While some states require Medigap plans to be available for disabled individuals under the age of 65 (the age that standard Medicare eligibility starts), there's no corresponding federal law. And, many states that permit Medigap coverage for the disabled also have restrictions that don't apply for the 65-and-up plans. You should speak to a Medicare Supplement Plan advisor to learn about the options in your state of residence.
Not only is it legitimate, it's an important component of many seniors' healthcare benefits and financial planning. Of course, you should be careful to choose a reputable provider and work with an agent or referral service that takes the time to understand your needs and explain all of the available options. There's a limited window of opportunity to sign up for a Medigap plan without having to submit medical reports, so it is recommended that you begin doing your research well before your 65th birthday.

Compare Medicare Supplement Plans

Select any 2 Medicare Supplement Plans to compare them head to head

best-medicare-supplement-plans
  • United Medicare Advisors
  • Go Medigap
  • Aetna
  • SelectQuote Senior
  • Blue Cross Blue Shield
  • GoHealth
  • Humana
  • Medicare Plans
  • Cigna
  • Health IQ
  • HealthCare
United Medicare Advisors vs Go Medigap United Medicare Advisors vs Aetna United Medicare Advisors vs SelectQuote Senior United Medicare Advisors vs Blue Cross Blue Shield United Medicare Advisors vs GoHealth United Medicare Advisors vs Humana United Medicare Advisors vs Medicare Plans United Medicare Advisors vs Cigna United Medicare Advisors vs Health IQ United Medicare Advisors vs HealthCare Go Medigap vs Aetna Go Medigap vs SelectQuote Senior Go Medigap vs Blue Cross Blue Shield Go Medigap vs GoHealth Go Medigap vs Humana Go Medigap vs Medicare Plans Go Medigap vs Cigna Go Medigap vs Health IQ Go Medigap vs HealthCare Aetna vs SelectQuote Senior Aetna vs Blue Cross Blue Shield Aetna vs GoHealth Aetna vs Humana Aetna vs Medicare Plans Aetna vs Cigna Aetna vs Health IQ Aetna vs HealthCare SelectQuote Senior vs Blue Cross Blue Shield SelectQuote Senior vs GoHealth SelectQuote Senior vs Humana SelectQuote Senior vs Medicare Plans SelectQuote Senior vs Cigna SelectQuote Senior vs Health IQ SelectQuote Senior vs HealthCare Blue Cross Blue Shield vs GoHealth Blue Cross Blue Shield vs Humana Blue Cross Blue Shield vs Medicare Plans Blue Cross Blue Shield vs Cigna Blue Cross Blue Shield vs Health IQ Blue Cross Blue Shield vs HealthCare GoHealth vs Humana GoHealth vs Medicare Plans GoHealth vs Cigna GoHealth vs Health IQ GoHealth vs HealthCare Humana vs Medicare Plans Humana vs Cigna Humana vs Health IQ Humana vs HealthCare Medicare Plans vs Cigna Medicare Plans vs Health IQ Medicare Plans vs HealthCare Cigna vs Health IQ Cigna vs HealthCare Health IQ vs HealthCare
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Review the Best Medicare Supplement Plans

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