Best Medicare Supplement Plan G Companies in 2024


Medigap Plan G is the most comprehensive Medicare Supplement Insurance plan that all Medicare members can buy. It’s also the most popular of these plan types

Plan G covers nearly all of the out-of-pocket expenses associated with Medicare Part A and Part B, such as copays, coinsurance and deductibles. (Medigap plans sold to people who became eligible for Medicare after 2019 can’t cover the Medicare Part B deductible — $240 in 2024 — so Plan G doesn’t cover that cost

Since it can be difficult or impossible to change Medigap plans after the end of your Medigap open enrollment period, it’s a good idea to choose your Medigap Plan G company carefully.

Here are NerdWallet’s picks for the best Medicare Supplement Plan G companies in 2024.

Best Medicare Supplement Plan G companies

NerdWallet compares Medicare Supplement Insurance companies based on plan availability, member satisfaction, pricing, extra perks, state footprint and more.

Insurance company

Plan types offered

Medigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N.

NAIC complaint rate

How often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Premium discounts available

Based on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.

Learn more

UnitedHealthcare

(800) 215-3128

A, B, C, F, G, K, L and N. Far fewer than expected Average

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

Anthem Medigap

Anthem

(800) 215-3128

A, F, G and N. Close to expected Above average

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

Mutual of Omaha Medigap

Mutual of Omaha

(800) 215-3128

A, F, G and N. Far fewer than expected Above average

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

Blue Cross Blue Shield Medigap

Blue Cross Blue Shield

(800) 215-3128

A, B, C, D, F, G, K, L, M and N. Close to expected Average

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

Best overall: AARP/UnitedHealthcare

AARP/UnitedHealthcare Medigap

AARP/UnitedHealthcare

AARP/UnitedHealthcare Medigap plans have low complaint rates when compared with most competitors. There are many configurations of plan types and extras available — sometimes so many that it might be overwhelming to choose.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

Plan types offered

A, B, C, F, G, K, L and N.


NAIC complaint rate

Far fewer than expected


Premium discounts available

Average


Plan types offered

A, B, C, F, G, K, L and N.


NAIC complaint rate

Far fewer than expected


Premium discounts available

Average


Pros

  • Offers as many as eight out of 10 plan types.
  • Available in every state.
  • Few customer complaints and strong third-party customer satisfaction ratings.

Cons

  • Health and wellness discounts cost extra, while some competitors offer them for free.
  • Plan variations and extras can get confusing.
  • Network requirements for lower-cost Medicare Select plans.

Service area: 50 states and Washington, D.C.

Why we like it: AARP and UnitedHealthcare make Medigap Plan G policies widely available with low prices and few member complaints. Unless you’re looking for specific side benefits or a high-deductible Plan G option, AARP/UnitedHealthcare Plan G can be hard to beat.

Best for additional coverage options: Anthem

Anthem Medigap

Anthem

Anthem stands out from most other Medigap companies by offering options to add dental and vision coverage to Medigap plans. It offers only a few Medigap plan types, though, and serves fewer states than most competitors.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

Plan types offered

A, F, G and N.


NAIC complaint rate

Close to expected


Premium discounts available

Above average


Plan types offered

A, F, G and N.


NAIC complaint rate

Close to expected


Premium discounts available

Above average


Pros

  • Mix and match dental and vision add-ons.
  • Several discounts based on household and payment methods.
  • Extra perks for fitness, health and wellness products and services.

Cons

  • Lower-coverage plans are sometimes more expensive.
  • Few Medigap plan types available.
  • Available in only about one-third of states.

Service area: 14 states

Why we like it: If you want to roll dental, hearing and vision coverage into your Medigap Plan G purchase, Anthem is a strong option. The company’s Anthem Extras packages offer multiple tiers of dental, hearing and/or vision coverage that you can mix and match with most Anthem Medigap policies to fit your needs

Best for high-deductible Medigap Plan G: Mutual of Omaha

Mutual of Omaha Medigap

Mutual of Omaha

Mutual of Omaha’s household discount of up to 12% is larger than most competitors’ discounts, and members file few complaints about their policies.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

Plan types offered

A, F, G and N.


NAIC complaint rate

Far fewer than expected


Premium discounts available

Above average


Plan types offered

A, F, G and N.


NAIC complaint rate

Far fewer than expected


Premium discounts available

Above average


Pros

  • Complaint rates are well below the market average.
  • Available in every state but Massachusetts.
  • Up to a 12% discount for living with another adult.

Cons

  • Few choices for plan type.
  • Higher-then-average spending on overhead rather than member benefits.

Service area: Every state except Massachusetts, plus Washington, D.C.

Why we like it: Mutual of Omaha makes high-deductible Medigap Plan G widely available, whereas many competitors offer it in fewer states. Mutual of Omaha plans get far fewer complaints than average and have reasonably competitive pricing. The pricing gets even better for applicants who qualify for a household discount of up to 12% (terms and discount levels can vary by location)

Honorable mention: Blue Cross Blue Shield

Blue Cross Blue Shield Medigap

Blue Cross Blue Shield

Blue Cross Blue Shield is a collective of 33 companies. BCBS plans are available throughout the country, but plan types, prices and performance vary.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

Plan types offered

A, B, C, D, F, G, K, L, M and N.


NAIC complaint rate

Close to expected


Premium discounts available

Average


Plan types offered

A, B, C, D, F, G, K, L, M and N.


NAIC complaint rate

Close to expected


Premium discounts available

Average


Pros

  • “Blue to Blue” program could mean easier changes to coverage in the future.
  • Available in all 50 states and Washington, D.C.

Cons

  • Offerings and experiences vary depending on BCBS company.
  • Higher prices for Plan N.
  • Cheaper Medicare Select plans have network requirements.

Service area: 50 states and Washington, D.C.

Why we like it: Blue Cross Blue Shield licensees offer Medigap policies everywhere in the country. Broadly speaking, BCBS companies offer competitive prices and have roughly average complaint rates — but because different BCBS companies serve different locations, pricing, perks and member experience can vary. It’s worth looking at the Blue Cross Blue Shield options in your area to see how their Plan G offerings compare to other top companies.

Find the right Medicare Supplement Insurance plan

Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:

  • Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.

  • What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.

  • Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.

  • Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.

Here’s an overview of our top picks for Medigap Plan G:

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Note regarding NAIC complaint data: NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.



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