To avoid bad Medigap companies, compare plans using the Medicare.gov plan finder tool, focusing on companies with high financial strength ratings (A or B), stable rate history, and transparent, reputable service. Since Medigap plans are standardized, prioritize lower premiums, check for company complaints via state insurance departments, and work with independent brokers who can compare multiple carriers.
The "best" Medigap plan depends on your needs, but Plan G is often recommended for new enrollees (post-2020) for comprehensive coverage after the Part B deductible, while Plan N offers lower premiums with small copays for doctor/ER visits. Top companies offering these plans include AARP/UnitedHealthcare, Mutual of Omaha, Anthem, Wellabe, Cigna, and Blue Cross Blue Shield, but the ideal provider offers a strong combination of price, customer service, and financial stability for your chosen plan.
There can be big differences in the premiums that different insurance companies charge for the same coverage, so be sure you compare Medigap plans with the same letter (for example, compare Plan A from one company with Plan A from another company).
Yes, it's often better to use a licensed Medicare broker for Medicare Advantage plans if you find the options overwhelming, as they offer personalized guidance, save time by narrowing down plans to your needs (doctors, drugs, budget), provide unbiased choices from multiple carriers, and offer ongoing support, all at no direct cost to you. While you can enroll directly, a broker simplifies the confusing process and acts as your advocate.
Best for member satisfaction: State Farm
State Farm sells Medigap policies in most states, and members have few complaints about the company.
NerdWallet's top picks for Medigap Plan G in 2025 include AARP / UnitedHealthcare, Mutual of Omaha, Wellabe and Anthem.
Here are some of the biggest Medicare mistakes to avoid:
In most cases, you won't have a right under federal law to switch Medigap policies, unless: You're within your 6-month Medigap open enrollment period, or. You're eligible under a specific situation or guaranteed issue right (when an insurance company can't deny you a Medigap policy).
AARP does not necessarily argue that UnitedHealthcare is the right choice for every Medicare beneficiary, but it does proclaim it as a trusted healthcare partner and resource. Of course, there may be an additional reason other than UHCs good name. UnitedHealthcare pays AARP for the use of its name.
The best people to talk to about Medicare are your local State Health Insurance Assistance Program (SHIP) (for free, unbiased advice) or your specific Medicare plan's customer service (for plan-specific questions). For enrollment, contact the Social Security Administration (SSA), while independent brokers can compare plans, and organizations like the NCOA or AARP offer resources and tools.
In 2026, the Centers for Medicare and Medicaid Services (CMS) is ending a program called the Value-Based Insurance Design (VBID) model. This program helped health plans give extra non-medical benefits, like credits for healthy food and utilities.
Here are the most common red flags to look for when a broker is trying to scare you into switching. If a broker opens the conversation by warning of penalties, audits, or skyrocketing costs — without reviewing your actual data — that is a red flag. A trusted advisor starts with facts and education, not fear.
While banks are often seen as more traditional and secure, licensed brokers provide the same level of safety but usually with lower fees and more flexible investment options.
The "best" Medigap plan depends on your needs, but Plan G is often recommended for new enrollees (post-2020) for comprehensive coverage after the Part B deductible, while Plan N offers lower premiums with small copays for doctor/ER visits. Top companies offering these plans include AARP/UnitedHealthcare, Mutual of Omaha, Anthem, Wellabe, Cigna, and Blue Cross Blue Shield, but the ideal provider offers a strong combination of price, customer service, and financial stability for your chosen plan.
The average monthly cost for a standard Medicare Supplement Plan G generally ranges from about $90 to $200+, with some estimates showing averages around $150-$180 for younger enrollees, but costs vary significantly by location, age, tobacco use, and insurer, with high-deductible options starting much lower (around $30-$70/month). Expect premiums to rise with age, potentially reaching $200+ for older individuals, and remember you must first pay the annual Medicare Part B deductible ($283 in 2026) before Plan G starts paying.