AARP/UnitedHealthcare is widely considered the best overall for Medicare Supplement (Medigap) plans due to its extensive nationwide coverage, financial strength, and stability, with Mutual of Omaha and Blue Cross Blue Shield being top competitors for value. For 2026, Plan G and Plan N are top choices, with providers like Cigna and Anthem offering competitive rates and extras.
Best Medicare Supplement Insurance Companies in 2025-2026
1. UnitedHealthcare / AARP – Best Plan Pairing: Plan G or Plan N. UnitedHealthcare, under the AARP brand, offers one of the largest and most recognized Medicare Supplement programs nationwide.
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UnitedHealthcare gets slightly higher overall star ratings than BCBS and may offer lower prices, but BCBS might offer a better customer experience.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data and more. Based on these ratings, AARP Medicare Supplement Insurance tops our list of the best Medicare Supplement Insurance companies.
UnitedHealthcare: Medicare Advantage Comparison. UHC has higher star ratings and a large network, but Humana's Part B Giveback benefits and lower average premiums might make coverage more affordable.
For comparison, the Centers for Medicare and Medicaid Services completed almost 400,000 prior authorization reviews for Original Medicare in 2023 and denied 28.8%, or 113,448 of requests received. Centene and CVS Health Medicare Advantage plans had the highest denial rates for prior authorization requests.
The bottom line. Medicare supplemental insurance premiums in 2025 typically range from about $32 to $550 per month, with most beneficiaries paying somewhere in the middle of that range depending on their plan choice, age, location and other factors.
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.
**For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($283 in 2026), the Medigap plan pays 100% of covered services for the rest of the calendar year.
Medicare Advantage members are most likely to disenroll from their health plan because of four main reasons: difficulty accessing care, low plan generosity, dissatisfaction with care quality, and the type of plan (HMO vs. PPO), according to a June study published in Health Affairs.
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Unhappy members: Humana gets below-average scores for customer satisfaction in nine out of 10 Medicare markets in J.D. Power's latest study. Star ratings: Humana's star ratings are below average, and only 20% of its members are in plans rated at least 4 stars out of 5.
The company's reduction in star ratings was driven by narrowly missing higher industry cut points on a small number of measures. This cost the company more than $1 billion in bonuses that are given to plans that score 4 stars or higher.
Cons About UnitedHealthcare Medicare Advantage
You may only have access to certain HMO or PPO plans in your area. Although UnitedHealthcare has competitive pricing, your location may have access only to plans with higher deductibles, more copays and fewer additional benefits.
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Medicare Supplement Plans F, G, and N have different cost structures, which can impact your out-of-pocket expenses. Plan F typically has the highest premium among the three plans, but it offers the most comprehensive coverage, including coverage for Medicare Part B excess charges.
If you prefer no medical bills beyond your premiums, Plan F may be the better fit—but only if you were eligible for Medicare before 2020. If you're looking for premium savings and don't mind covering a small out-of-pocket deductible, Plan G offers nearly identical coverage with lower monthly prices.
AARP/UnitedHealthcare is the nation's largest Medigap provider, leveraging AARP's trusted brand and UnitedHealthcare's strong financial stability. Medigap benefits are standardized by law, so AARP/UnitedHealthcare competes on service, customer experience, and plan availability rather than benefit differences.
Protective, Pacific Life, Penn Mutual and Nationwide are the best life insurance companies for seniors among the insurers in our analysis. They provide competitive costs and coverage options for buyers at ages 60 and 70.
Cons of Medicare Plan G
Part B Deductible: Plan G requires you to pay the Part B deductible out of pocket. However, once this deductible is met, your out-of-pocket costs are significantly reduced. 2. Potentially Higher Premiums: Plan G may have higher premiums compared to other Medicare plans.
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.