10 Best Medicare Supplemental Insurance Companies 2025
As we move through 2025, Medicare beneficiaries are increasingly exploring Medigap – or Medicare Supplement – plans to help fill the coverage gaps of Original Medicare (Parts A and B).
With rising healthcare costs and evolving plan options, choosing the right insurance provider is more important than ever.
This post reviews the 10 best Medicare Supplement insurance companies for 2025 based on customer satisfaction, plan variety, affordability, and financial strength.
Key Takeaways:
- Florida Blue offers some of the best rates to Florida residents on Medigap Plan G.
- Prosperity offers the lowest rates for Medicare Supplements and has a low rate increase history in recent years.
- Aetna/CVS provides excellent prices and customer service for their Medicare Supplements. They also offer the option to “bundle & save” on final expense life insurance and Medicare Supplements.
- Mutual of Omaha has highly rated Medicare Supplement plans with great rates depending on the area. They are also known for their life insurance.
- Manhattan Life has affordable rates for Medicare Supplements and has been a trusted leader in the industry since 1992.
Pro tip: Before selecting a Medicare Supplement insurance company, it is recommended to thoroughly review and compare the coverage options, pricing, and customer satisfaction ratings of different providers to find the best fit for specific needs and preferences.
Methodology
A detailed and comprehensive methodology was used to determine the top 10 Medicare Supplement insurance companies. This approach involved thorough research and analysis based on various criteria.
Here is an overview of the methodology used:
| #1. Evaluation of Financial Stability: Each company’s financial strength and stability were assessed, considering factors such as their credit ratings and years in operation. #2. Customer Satisfaction: Surveys and customer feedback were utilized to gauge policyholder satisfaction. This included assessing the quality of customer service, claims handling, and overall customer experience. #3. Coverage Options: Each company’s coverage options were considered. This involved examining the extent of coverage provided for Medicare Part A and Part B deductibles and additional benefits such as prescription drug coverage. #4. Pricing and Affordability: The affordability of premiums and the transparency of pricing structures were considered. This involved analyzing premium rates, rate stability, and any available discounts. #5. Industry Reputation: Each company’s overall reputation and credibility within the insurance industry were considered. This involved reviewing industry rankings, accreditation, and any regulatory actions or complaints filed against the company. |
Now that we’ve covered our methods for selecting the best Medigap providers, let’s review each one.
1. UnitedHealthcare
Average Medigap Plan G cost: $165-$250
When discussing Medicare Supplement insurance providers, it’s almost impossible not to mention UnitedHealthcare. They are the biggest provider of Medicare Supplement plans in the country and have established themselves as one of the top companies in the industry.
Their clients report extremely high satisfaction rates and have one of the lowest client turnover rates in the industry. They have the largest number of insureds and offer stable and competitive rates.
Additionally, their innovative partnership with AARP has helped to create brand awareness, build member trust, and offer extra benefits like gym and fitness programs within their product offering.
Discounts Available:
- Electronic Funds Transfer Discount
- Annual Payer Discount
- Multi-Insured Discount
Additional Plans Available:
- Stand-alone prescription drug plans (PDPs) are available in all 50 states
- Dental, vision, and hearing plans are available in 14 States
| UHC Extra Perks: 12-month rate guaranteed offered in 41 States Gym Membership through Renew Active in 43 States AARP Vision Discounts provided by EyeMed in 49 States AARP Hearing Solutions Provided by UnitedHealthcare Hearing in 49 States Dentegra Dental Discount available in 49 states 24/7 Nurseline is available in all 50 states |
UnitedHealthcare Medigap Premium Comparison
Note: These are estimated ranges based on 2025 market trends. Exact premiums may vary based on age, location, gender, tobacco use, and household discounts.
Bottom Line: United is a prominent Medicare Supplemental insurance provider with extensive availability and a significant market share. United’s broad reach ensures that beneficiaries nationwide have access to their plans, making it a popular choice.
2. Mutual of Omaha
Average Medigap Plan G cost: $150-$250
Mutual of Omaha is one of the most trusted names in Medicare Supplement insurance, consistently ranked among the top providers nationwide.
With a long history of financial stability and exceptional customer service, Mutual of Omaha is known for offering competitive Medigap rates and a simple, user-friendly enrollment process.
The company excels in transparent pricing and flexible underwriting, making it a favorite for individuals looking for reliable coverage without the hassle. In particular, their Plan G and Plan N options offer a solid balance between premium cost and benefits, appealing to both budget-conscious and comprehensive-coverage seekers.
Mutual of Omaha has been rated highly for claims processing efficiency, and its network of licensed agents ensures personalized support across all 50 states.
Discounts Available:
- Household/Spouse Discount
- Electronic Funds Transfer (EFT) Discount
- Multi-policy bundling options with life or dental insurance
Additional Plans Available:
- Stand-alone Medicare Part D plans (varies by region)
- Dental and vision coverage available in select states
| Mutual of Omaha’s Extra Perks: 12-month premium rate lock in most states 7% household discount available in many regions Access to a 24/7 Nurse Hotline Simplified electronic application process Rapid claims processing and support |
Mutual of Omaha Medigap Premium Comparison
Note: These are estimated ranges based on 2025 market trends. Exact premiums may vary based on age, location, gender, tobacco use, and household discounts.
Bottom Line: Mutual of Omaha delivers consistent value with dependable Medigap offerings, strong customer service, and a reputation for stability.
Their Plan G and Plan N are especially popular due to a great balance of cost and coverage.
While the company holds second place in the national Medicare Supplement market, they have an outstanding reputation for offering competitive rates and a fast, electronic application process.
3. Cigna
Average Medigap Plan G cost: $150-$205
Cigna is a well-established name in the healthcare industry. With over 225 years of experience and a solid reputation in the Medicare Supplement insurance market, it offers a wide range of products and services.
The company offers a strong lineup of Medigap plans – notably Plans G, N, and A – across various states, with consistently competitive rates and excellent service ratings.
One of Cigna’s standout features is its commitment to fast underwriting and simplified applications, making it easier for seniors to secure coverage quickly. Many policyholders appreciate the smooth enrollment process and the ability to manage their plans online with Cigna’s intuitive member portal.
Cigna also offers health and wellness perks, such as access to global emergency services and health support lines, further enhancing the value of its Medigap policies.
Discounts Available:
- Household Discount (varies by state, typically 5–7%)
- Electronic Funds Transfer (EFT) Discount
- Multi-policy discount when bundled with Cigna dental or life insurance
Additional Plans Available:
- Stand-alone Medicare Part D Prescription Drug Plans (available in most states)
- Optional dental, vision, and hearing plans in select regions
| Cigna’s Extra Perks: 24/7 customer support and nurse hotline Access to global emergency medical assistance (through Cigna Secure Travel) Fast online and phone application processing Highly rated mobile app for account and claim management Wellbeing programs and health education resources |
Cigna Medigap Premium Comparison
Note: These are estimated ranges based on 2025 market trends. Exact premiums may vary based on age, location, gender, tobacco use, and household discounts.
Bottom Line: Cigna offers a strong balance of affordability, flexibility, and support. Their streamlined enrollment process, household discounts, and valuable member resources make them a smart pick for stress-free coverage.
With a reputation for responsive customer service and solid plan choices, Cigna continues to earn its place among the best Medicare Supplement insurance providers in 2025.
4. Aetna
Average Medigap Plan G cost: $210-$275
Aetna, a CVS Health company, is a long-standing and respected name in the insurance industry. It offers Medicare Supplement (Medigap) plans across most of the United States.
With strong financial backing and a reputation for reliable service, Aetna is a trusted choice for seniors seeking stability and well-rounded coverage.
Aetna offers several Medigap plans – including Plans G, N, and A – with consistently competitive premiums and an easy enrollment process. Their underwriting is flexible, and they’re known for approving a broad range of applicants, including those with certain pre-existing conditions (depending on state regulations).
Aetna’s supplemental offerings are complemented by a range of wellness tools, policyholder education resources, and access to CVS Health benefits, making them especially attractive to health-conscious individuals.
Discounts Available:
- Household Discount (up to 7%, varies by state)
- EFT (Electronic Funds Transfer) Discount
- Multi-policy discount when bundled with Aetna’s dental or vision plans
Additional Plans Available:
- Medicare Part D prescription drug plans (offered separately through CVS Health)
- Standalone dental, vision, and hearing plans are available in select states
| Aetna’s Extra Perks: 12-month rate lock on premiums in many states Access to CVS Health’s wellness resources and retail services Fast claim processing and online self-service tools 24/7 Nurse Line for health guidance Highly-rated mobile and online portal for member management |
Aetna Medigap Premium Comparison
Note: These are estimated ranges based on 2025 market trends. Exact premiums may vary based on age, location, gender, tobacco use, and household discounts.
Bottom Line: As part of CVS Health, Aetna stands out for its affordability, flexible underwriting, and brand trust.
With broad availability, straightforward enrollment, and access to one of the nation’s largest healthcare networks, Aetna is an ideal choice for those who want a strong Medigap plan backed by convenience and innovation.
5. Florida Blue
Average Medigap Plan G cost: $214-$370
Florida Blue, the Blue Cross Blue Shield (BCBS) affiliate for the state of Florida, is a leading provider of Medicare Supplement insurance tailored specifically to Florida residents. With deep local roots and decades of experience, Florida Blue has become one of the most reliable and trusted choices for Medicare beneficiaries in the Sunshine State.
Florida Blue offers a range of Medigap plans, including Plans A, G, and N, with regionally adjusted pricing and a strong emphasis on customer service. Members benefit from access to BCBS’s expansive provider network, localized support, and various additional wellness perks designed with Floridians in mind.
Their Florida-focused approach uniquely equips them to serve seniors across the state with personalized options and flexible plan features.
Discounts Available:
- Household discount (typically 5–7%)
- EFT (Electronic Funds Transfer) premium discount
- Fitness and wellness discount programs
Additional Plans Available:
- Medicare Part D Prescription Drug Plans (available through Florida Blue)
- Standalone dental and vision plans offered statewide
- Optional home health and chronic condition support services
| Florida Blue’s Extra Perks: Access to a broad Florida-based provider network 24/7 nurse hotline and online health management tools Discounts on fitness programs, hearing aids, eyewear, and more Local in-person service centers throughout Florida Easy online account access and plan tools |
Florida Blue Medigap Premium Comparison
Note: Florida Blue plans are only available within Florida. Rates listed are 2025 estimates for a 65-year-old, non-smoking male in Florida. Actual premiums may vary based on ZIP code, age, and discount eligibility.
Bottom Line: Florida Blue is a top-tier Medicare Supplement provider within Florida, offering regional expertise, trusted service, and robust plan options tailored to the state’s senior population.
With competitive pricing and access to one of the state’s best provider networks, Florida Blue is an excellent choice for Floridians seeking local support and reliable Medigap coverage.
6. Humana
Average Medigap Plan G cost: $135-$245
Humana is a nationally recognized health insurer with a strong presence in the Medicare market, including Medicare Advantage, Part D, and Medigap (Medicare Supplement) plans.
Humana’s Medigap plans are perfect for seniors looking for more than just insurance. With a focus on whole-person care and plenty of wellness benefits, Humana is like a partner in healthy living.
In most states, Humana offers Medigap Plans A, G, and N, often under its Humana Achieve label, which focuses on simplified, competitively priced plans.
These policies are widely praised for their user-friendly tools, strong customer service, and added health perks like fitness memberships and nurse advice lines.
Discounts Available:
- Household discount (commonly 5–12%, varies by state)
- EFT (Electronic Funds Transfer) Discount
- Early enrollment or loyalty discounts in select areas
Additional Plans Available:
- Standalone Medicare Part D prescription drug plans
- Dental, vision, and hearing plans are available through Humana’s optional riders
- Chronic condition support and care coordination programs
| Humana’s Extra Perks: 24/7 Nurse Advice Line for on-demand medical guidance MyHumana member portal for easy claims tracking and ID card access Wellness and preventive health resources Optional coverage for foreign travel emergencies |
Humana Medigap Premium Comparison
Note: These rates are based on 2025 estimates for a 65-year-old, non-smoking female. Humana rates vary by ZIP code, underwriting class, and applicable discounts.
Bottom Line: Humana stands out in the Medigap market with its strong wellness focus, dependable coverage, and value-added extras.
Whether you’re looking for competitive pricing, access to fitness programs, or tech-friendly support, Humana’s Medigap plans – especially Plan G and Plan N – deliver a well-rounded and supportive experience for today’s Medicare beneficiaries.
7. Prosperity Life Group
Average Medigap Plan G cost: $165-$220
Prosperity Life Group is a lesser-known but fast-growing provider in the Medicare Supplement insurance market. Through its subsidiary companies – including S. USA Life Insurance Company – Prosperity offers Medigap Plans A, F, G, and N across many states, focusing strongly on affordability, straightforward underwriting, and stability.
While Prosperity does not have the national brand recognition of larger carriers, its Medigap plans are backed by solid financial ratings and trusted underwriting. Seniors seeking lower-cost options without sacrificing the standardized coverage Medicare Supplements offer often find Prosperity’s plans to be an excellent value.
Prosperity Medigap plans are known for their efficient application process, competitive rates (particularly for Plan G), and a simplified experience for agents and consumers.
Importantly, Prosperity is committed to transparency and provides transparent information about its plans, coverage, and costs. This helps individuals make informed decisions about their Medicare Supplement insurance options.
Discounts Available:
- Household discount (typically 7%, varies by state)
- EFT (Electronic Funds Transfer) premium discount
- No policy fee in some states for automatic payment enrollment
Additional Plans Available:
- Medigap only (no Part D, dental, or vision options through Prosperity directly)
- Agents often bundle Prosperity Medigap with third-party PDP and DVH options
| Prosperity Perks: Streamlined underwriting with many applications approved in 24–48 hours Stable rates with minimal year-over-year premium increases reported in some states Live U.S.-based customer service team Optional policyholder services via agent-managed portals Simple online rate quoting and application process |
Prosperity Medigap Premium Comparison
Note: Rates shown are estimated 2025 averages for a 65-year-old, non-smoking female. Pricing may vary by underwriting class, ZIP code, and applicable discounts.
Bottom Line: Prosperity Life Group offers a compelling option for budget-minded Medicare beneficiaries who want a no-frills, reliable Medigap plan.
It is worth noting that Prosperity has a long history of serving seniors and individuals with Medicare, consistently providing reliable coverage and excellent customer service. This commitment to serving policyholders has earned Prosperity a trusted reputation in the industry.
8. New Era
Average Medigap Plan G cost: $160-$210
New Era Life Insurance Company is a niche but highly competitive provider in the Medigap market, particularly known for its low rates and simplified underwriting.
Operating through its affiliated companies – Philadelphia American and New Era Life – they offer Medicare Supplement Plans A, F, G, and N in a growing number of states.
Despite being smaller than national brands, New Era consistently delivers value with some of the lowest Medigap premiums in many regions.
Their reputation is built on affordability, rapid application approvals, and minimal policyholder complaints.
Discounts Available:
- Household discount (typically 7%)
- EFT (Electronic Funds Transfer) premium discount
- No application fee in many states
Additional Plans Available:
- Medigap-only offerings; no internal Part D or dental/vision products
- Frequently paired with 3rd-party prescription or dental plans through independent agents
| New Era Extra Perks: Exceptionally low monthly premiums in many markets Fast policy approval and a simple application process High renewal rate due to stable pricing and customer loyalty U.S.-based customer service and agent support teams |
New Era Medigap Premium Comparison
Note: Premiums shown are estimated 2025 rates for a 65-year-old, non-smoking female. Rates vary by state, age, tobacco status, and discount eligibility.
Bottom Line: New Era is a cost-effective, no-nonsense Medigap provider for seniors who want solid coverage at a competitive rate. Though limited in digital tools and extras, New Era’s Plans G and N stand out for their value, fast underwriting, and reputation for keeping rate increases modest over time.
While they don’t offer as many perks or digital tools as larger insurers, their Medigap plans are standardized and reliable, and they have strong customer satisfaction among cost-conscious enrollees.
9. ManhattanLife
Average Medigap Plan G cost: $160-$210
ManhattanLife is a well-established, independent insurance company that has been serving Americans since 1850.
Known for its competitive pricing, fast enrollment process, and commitment to personalized service, ManhattanLife has carved out a strong presence in the Medicare Supplement market, especially among budget-conscious beneficiaries and those with simplified underwriting needs.
ManhattanLife offers a focused portfolio of Medigap plans, including Plans G, N, and A. In some states, it also offers High-Deductible Plan G.
Their Plan G is particularly attractive due to low premiums and relatively stable year-over-year rate increases.
ManhattanLife operates under multiple brand names, including Family Life and Western United Life, offering standardized Medigap plans in all states.
Discounts Available:
- Household discount (5–7%, varies by state)
- EFT (Electronic Funds Transfer) Discount
- Early enrollment incentives in select regions
Additional Plans Available:
- Standalone dental and vision plans through ManhattanLife’s ancillary product line
- Prescription drug coverage (Part D) is available via partnerships with other carriers
- Final expense life insurance and critical illness riders are available separately
| ManhattanLife Extra Perks: Simplified underwriting with common-sense health questions Competitive pricing in rural and underserved regions U.S.-based customer service and claims processing Rapid policy issue turnaround time (often within 48–72 hours) Stable rate history in many markets |
ManhattanLife Medigap Premium Comparison
Note: Premiums are 2025 estimates for a 65-year-old, non-smoking female. Pricing varies based on underwriting status, ZIP code, and household discounts.
Bottom Line: ManhattanLife’s reputation is grounded in value, not flash. You won’t find gym memberships or flashy apps, but you will find low-cost coverage, strong customer service, and simple, effective protection.
It’s a great fit for those who prefer efficiency, stability, and affordability over perks and extras.
10. Lumico
Average Medigap Plan G cost: $165–$215
Lumico is a rising star in the Medicare Supplement insurance space, offering highly competitive rates and a simplified, modern enrollment experience.
Though newer to the Medigap market than legacy carriers, Lumico has rapidly built a reputation for affordability, fast policy issuance, and minimal rate hikes.
As part of the Swiss Re Group, Lumico benefits from strong financial backing and global insurance expertise. Their Medicare Supplement products are available in many states and typically include Plans A, F, G, and N, with especially strong pricing for Plan G and Plan N, making them a favorite among cost-conscious beneficiaries.
Lumico’s Medigap plans are designed for simplicity: no fluff, no unnecessary extras – just straightforward coverage, clear communication, and fast service.
Discounts Available:
- 7% Household Discount in most participating states
- EFT (Electronic Funds Transfer) Discount
- Multi-policy discount when bundled with life insurance
Additional Plans Available:
- Medigap-only offerings (no standalone Part D or dental through Lumico)
- May be bundled by agents with external dental, vision, or PDP plans
| Lumico Extra Perks: Lightning-fast electronic application process Easy-to-understand plan documents and billing Quick claim turnaround times and responsive support Simple online portal for members and agents Solid financial strength through Swiss Re affiliation |
Lumico Medigap Premium Comparison
Note: Premiums shown are 2025 estimates for a 65-year-old, non-smoking female. Actual rates vary by underwriting approval, ZIP code, and household discount eligibility.
Bottom Line: Lumico offers one of the best combinations of low premiums, transparent pricing, and fast application approval in the Medigap space.
Their streamlined process and highly competitive Plan G and Plan N rates make them a great option for those who value simplicity and savings.
Conclusion
Choosing the right Medicare Supplement Insurance company in 2025 requires evaluating more than just cost. Customer service, plan availability, underwriting policies, and added perks can significantly affect your overall satisfaction.
Before you enroll:
- Compare quotes from at least three providers.
- Review the benefits of Plan G vs. Plan N if you’re new to Medigap.
- Consider your location – availability and pricing vary by state.
- Factor in your health, travel habits, and preferences for customer service.
A Medigap plan can give you peace of mind by reducing out-of-pocket costs, so it’s worth taking the time to choose the right partner.
Feel free to contact us, and we’d be happy to explain your Medigap options.
FAQs
The top 10 Medicare Supplement insurance companies were selected based on rates, customer service, customer reviews, and rate increase history. Each company was evaluated on these criteria to determine its ranking.
Yes, every Plan G Medicare Supplement plan is identical to every other Plan G, regardless of the company offering it. The only differences between companies are the price and customer service, as they compete primarily on these factors.
No, not all top Medicare Supplement companies offer coverage in every state. Before deciding, it is essential to check which states each company operates in. Some companies, like Prosperity, may have limited coverage areas.
Prosperity has been found to have the lowest rates for Medicare Supplements among the top companies. Their competitive pricing can save individuals hundreds of dollars annually on their Medicare Supplement insurance.
While many top Medicare Supplement companies focus on offering competitive rates and quality customer service, others like Aetna and Prosperity provide additional benefits. These benefits may include bundling final expense life insurance with Medicare Supplements or ancillary health insurance products for extra coverage.
Yes, customer reviews are one of the criteria used to determine the ranking of the top Medicare Supplement companies. These reviews provide valuable insights into each company’s overall customer satisfaction and experience.
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