Medicare Supplement

The Top 10 Medicare Supplement (Medigap) Companies

Compare several leading Medicare Supplement Insurance (Medigap) companies to help you find the best Medigap plan for your coverage needs and your budget.

Medicare Supplement Insurance plans (also called Medigap) are sold by dozens of private insurance companies all over the U.S. When shopping for coverage, it’s important to find the right plan for your unique needs and also to find the right insurance company. 

Different companies may sell Medigap plans that have different prices and terms, and each insurance company has an individual reputation you may want to consider.

Learn about Medigap plans in your area


Below is a guide to 10 Medicare Supplement Insurance companies to help you choose the best one for your needs. 

Comparing Medicare Supplement Insurance Companies

The list below includes some of the companies that sell Medicare Supplement Insurance plans in select states across the U.S.

Please note that our guide is meant to be informational and to help you as you start finding the right plan and plan carrier for your needs. Some of the companies listed below may not offer Medigap plans in your area, and you may find a Medicare Supplement carrier in your area that fits your need and isn’t on this list.

This list identifies several of the top 10 insurance companies in no particular order. 

  • Humana
  • Cigna
  • Blue Cross Blue Shield
  • Aetna
  • ManhattanLife
  • Mutual of Omaha
  • Medico Insurance Company
  • WellCare

It’s important to keep in mind that although each company’s plan selection and pricing may differ, the coverage included in each type of Medigap plan remains the same, no matter where you purchase it.

In other words, Medigap Plan A sold by one company will include the same essential benefits as Medigap Plan A sold by any other insurance company. Their costs and the availability of the types of plans, however, may vary.

Medigap plans in Massachusetts, Minnesota and Wisconsin are standardized differently than they are in every other state. Learn more about Medigap plans in your state.

You can use the chart below to compare each type of 2021 standardized Medicare Supplement plan.

Medicare Supplement Insurance Plans 2021
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,370 in 2021. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,220 in 2021. Plan L has an out-of-pocket yearly limit of $3,110 in 2021.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.


Humana was awarded Best in Customer Service 2020 among health insurance companies by Newsweek. 1

Humana offers the following Medigap plans (plan availability may vary by location):

  • Plan A
  • Plan B
  • Plan C
  • Plan F
  • Plan G
  • Plan K

Medicare Supplement Plan F and Plan C are not available for sale to Medicare beneficiaries who became eligible for Medicare on or after Jan. 1, 2020.


Cigna is ranked number 13 on the Fortune 500 list.2

Depending on your location, the Medicare Supplement Insurance plans you may be able to apply for from Cigna* may include:

  • Plan G
  • Plan N
  • Plan A
  • Plan F
  • High Deductible Plan F

*Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company or Loyal American Life Insurance Company.

Blue Cross Blue Shield

Blue Cross Blue Shield (BCBS) is among the leading health insurance carriers in the U.S., and BCBS companies were the very first to work in conjunction with Medicare.

There are now 36 different locally operated BCBS companies administering coverage in all 50 states.

Blue Cross Blue Shield offers several Medigap plans, including Plan F, Plan G and Plan N.

Plan availability may vary, depending on where you live.

Learn more about Blue Cross Blue Shield Medicare Supplement plans by visiting


Aetna offers a diverse portfolio of insurance products that includes Medigap plans. Over 1 million people trust Aetna for their Medicare Supplement Insurance.3

Aetna offers several different types of Medigap plans. Plan availability may vary based on your location. Some of the Medicare Supplement plans that Aetna may offer in your area include:

  • Plan A
  • Plan B
  • Plan F
  • Plan G
  • Plan N

Learn more about Aetna Medicare Supplement plans at


With roots dating back to 1850, ManhattanLife is one of the oldest continuously operating insurance companies in the world.

Medicare Supplement plan options available from ManhattanLife include Plan A, Plan C, Plan F, Plan G and Plan N. Plan availability may vary by location.

Learn more about ManhattanLife Medicare Supplement plans at

Mutual of Omaha

Mutual of Omaha Medicare Supplement Insurance plans come with an Additional Benefit Rider that may include services such as discounts on fitness programs, hearing care and vision care. 

Mutual of Omaha offers several types of Medigap plans. Depending on where you live, you may be able to apply for Mutual of Omaha Medicare Supplement Insurance policies such as Plan F, Plan G and Plan N. 

Medico Insurance Company

Medico sells Medicare Supplement Insurance in 25 states and offers several popular Medigap plans, such as Plan A, Plan F, Plan G and Plan N.

Medico offers a number of plan discounts for things like automatic premium withdrawal, being a non-smoker or living with another person over the age of 18.

Learn more about Medico Insurance Company by visiting


In 2020, WellCare was named one of Fortune Magazine’s “Most Admired Companies,” and the company boasts a number of community-based programs designed to help members navigate their local social support network and connect to community resources.4

Learn more about WellCare and Medicare Supplement plans by visiting

Smiling couple on a sail boat

Other Medicare Supplement Insurance Companies

The list above only includes 10 of the best Medicare Supplement Insurance companies. But these are not the only companies that may offer Medigap coverage where you live.

Some other notable Medicare Supplement Insurance companies you may be able to consider include:

The chart below highlights the largest sellers of Medicare Supplement Insurance, as reported by the National Association of Insurance Commissioners (NAIC). While some of these companies offer Medicare Supplement Insurance nationwide, others may only be available for purchase on a more regional basis.   

Top 20 Medicare Supplement Companies by Direct Premiums Earned (Individual and Group Policies)

Name of company

Direct premiums earned

Market share

Number of lives covered

UnitedHealthcare Insurance Company




Health Care Service Corporation, A Mutual Legal Reserve Company




United of Omaha Life Insurance Company




Mutual of Omaha Insurance Company




Omaha Insurance Company




Colonial Penn Life Insurance Company




Continental Life Insurance Company of Brentwood




American Continental Insurance Company




BCBS of Massachusetts




BCBS of Florida




BCBS of Michigan Mutual Insurance Company




United World Life Insurance Company




Humana Insurance Company




Wellmark Incorporated




American Retirement Life Insurance Company




BCBS of North Carolina Incorporated




Aetna Health & Life Insurance Company




USAA Life Insurance Company




Cigna Health & Life Insurance Company




Anthem Health Plans of Virginia Incorporated




Source: NAIC 2018 Medicare Supplement Loss Ratios Report (Issued 2019)

Find the best Medicare Supplement company for your needs

Learn more about Medigap plans by visiting, and find the best 2021 Medicare Supplement Insurance company and plan for your individual needs. 

Learn about Medigap plans in your area



1 Newsweek. America’s Best Customer Service 2020. (Aug. 2019). Retrieved from

2 Fortune. Fortune 500 List. Retrieved Dec. 2020, from

3 Quarterly Report, 3rd Quarter [Form 10-Q]. CVS Health. Retrieved Dec. 2020 from

4 PRNewswire. WellCare Named to FORTUNE Magazine’s 2020 List of “World’s Most Admired Companies.” (Jan. 21, 2020). Retrieved from