Top Providers for Medicare Supplement Plans

Leading Companies for Medicare Supplement Coverage

Medicare plans assist seniors with covering healthcare costs, alleviating significant out-of-pocket expenses. However, their coverage can be limited. To fill these gaps, many opt for Medicare Supplement or Medigap plans, which are sold by private insurers. Choosing the right plan requires careful comparison and research to ensure it meets individual needs.

Top Medicare Supplement Providers

AARP

The American Association of Retired Persons, established in 1958, is dedicated to advocating for older adults' well-being. While not an insurer itself, AARP partners with insurance companies like United Healthcare to offer affordable Medicare supplements tailored for seniors.

Membership with AARP is required to access their partnered plans, which include options such as Plans A, B, C, F, G, L, K, and N. Availability of plans varies by state, so checking online with your ZIP code provides estimated costs based on non-tobacco use and age 65. Consulting with an insurance agent can offer detailed guidance for choosing the best plan. AARP members also enjoy discounts on travel, entertainment, and other services, with higher savings as they age. Multi-member households may qualify for additional discounts, though these vary regionally.

Humana, founded in 1961, ranks among the nation's most reputable insurers. Recognized by organizations like the American Heart Association and the Better Business Bureau (A+ rating), Humana offers comprehensive Medicare Supplement plans (A, B, G, K, L, C, F, and High Deductible F), along with Medicare Part D. Members benefit from additional perks, such as discounts on eye care, dental services, and eyewear, at no extra cost.

Coverage extends nationwide where plans are offered, with tools to compare and review plans online. Seniors seeking to enroll can contact agents or use the user-friendly website to request quotes without sharing personal details upfront. Humana’s plan comparison tool helps distinguish between Supplement and Medicare Advantage options, requiring only birth date, gender, and desired coverage start date for estimates.

Cigna, with over 95 million customers, is a key player in Medicare Supplement insurance. Noted for competitive rates and quality service, Cigna is especially suitable for individuals with preexisting health conditions or those purchasing outside open enrollment periods. Available plans include A, F, HD-F, G, and N, with options differing by state. Customers can explore plans via their website or speak with agents for detailed information.

One advantage of Cigna’s plans is the freedom to choose healthcare providers, as in-network restrictions are minimal. Additional benefits include wellness products, massage therapy, and rewards programs like Cigna Healthy Rewards®. For comparisons and quotes, users can input basic info like age and coverage start date, facilitating easy plan selection tailored to individual needs.