Common complaints about Medigap plans include high, rising monthly premiums, lack of prescription drug coverage, and strict underwriting that can lead to denied coverage or higher costs for pre-existing conditions. Other issues include limited, one-time enrollment windows and a lack of coverage for services like dental, vision, or long-term care.
In some cases, your client may have a waiting period for pre-existing conditions, a higher premium, and/or be denied significant coverage. This is often called the Medigap Trap.
There isn't one single "best" Medigap company, as it depends on your needs, but top-rated providers consistently include AARP/UnitedHealthcare, Blue Cross Blue Shield, Humana, Mutual of Omaha, and Cigna, known for strong coverage (especially Plan G), customer satisfaction, and nationwide availability, with AARP/UnitedHealthcare often cited as best overall and BCBS for network strength, while companies like Anthem offer lower costs and Mutual of Omaha provides value and variety.
Here are what some consider to be the ten worst insurance companies in the United States.
Look for companies with positive reviews and a history of satisfied customers. Ask for Recommendations: Talk to friends, family, or healthcare providers who have experience with Medigap plans. They may be able to recommend reputable companies or share their experiences to help you make an informed decision.
While Medigap plans typically have higher monthly premiums than Medicare Advantage plans, they tend to offer more stable and predictable out-of-pocket expenses. Depending on the plan type, like Plan G or Plan N, Medigap may cover nearly all of the costs left over after Medicare pays its share.
Medicare Plan G doesn't cover prescription drugs (requiring a separate Part D plan), routine dental, vision, or hearing care, or long-term care, and beneficiaries must first pay the annual Medicare Part B deductible before Plan G starts paying for covered gaps like Part B excess charges and foreign travel emergencies. Essentially, Plan G covers everything Original Medicare doesn't, except for the Part B deductible and services not covered by Medicare at all, like dental, vision, and prescriptions.
Certain companies increase the premium each year; others increase the premium every 4 years based on age. This results in a much lower premium at younger ages, but a higher premium at older ages.
The "best" Medicare plan for seniors depends on individual needs, but top-rated providers for Medicare Advantage (Part C) in 2026 include Humana, UnitedHealthcare, Aetna, and Blue Cross Blue Shield (BCBS), offering nationwide coverage, large networks, $0 premium options, and extra benefits like dental/vision, while Medigap (Medicare Supplement) plans like Plan F provide comprehensive Original Medicare cost coverage. Key factors are your doctors, prescriptions, budget, and preference for network flexibility (MA) or broad coverage (Medigap).
If you joined a Medicare Advantage Plan during your Initial Enrollment Period, you can change to another Medicare Advantage Plan (with or without drug coverage) or go back to Original Medicare (with or without a drug plan) within the first 3 months you have Medicare Part A & Part B.
The most popular Medicare Supplement (Medigap) plan for new enrollees is Plan G, offering comprehensive coverage for nearly all Original Medicare costs (except the Part B deductible) at a predictable price, while Plan N is popular for lower premiums with some copays, and Plan F remains popular for those eligible for Medicare before 2020, covering everything, including the Part B deductible, notes Boomer Benefits.
Here are some of the biggest Medicare mistakes to avoid:
While your Medicare Part D gives you main prescription coverage, GoodRx can help you save even more money. Sometimes, the savings can be more than what you pay in copayments or coinsurance.
Some key phrases to avoid saying to an insurance adjuster include:
Best for member satisfaction: State Farm
State Farm sells Medigap policies in most states, and members have few complaints about the company.