UnitedHealthcare is the best Plan G Medicare Supplement (Medigap) provider of 2025, according to Investopedia research. Anthem and State Farm are two more excellent options. Plan G is the most popular Medigap plan, and the most comprehensive for people who turned 65 on or after Jan. 1, 2020 (which means they’re not eligible for the even more comprehensive Plan F). It covers most out-of-pocket costs associated with 澳洲幸运5官方开奖结果体彩网:Original Medicare, except the Part B deductible.
To choose the best Plan G providers,🐠 Investopedia researched nine insurers, comparing their premiums, customer satisfaction records, an♏d the number of plan types they sell, including Plan G, high-deductible Plan G, and high-deductible Plan F.
Best Plan G Medicare Supplement Providers for 2025
- Best Overall: 澳洲幸运5官方开奖结果体彩网: AARP from UnitedHealthcare
- Lowest Cost Plan G: Anthem
- Best High-Deductible Plan G: Aetna
- Best for Customer Satisfaction: 澳洲幸运5官方开奖结果体彩网: State Farm
Best Overall : AARP from UnitedHealthcare
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UnitedHealthcare
- Average Plan G Premium: $268 per month
- Complaint Record: Much better than expected for company size
- Financial Strength Rating: A+
UnitedHealthcare has a lot to like for Plan G shoppers. The company charges competitive premiums, receives relatively few customer complaints, is financially strong, and sells Medigap plans in every state, a combination that made it our top pick. You'll need to be an AARP member, but that costs as little as $15.
Charges competitive Plan G premiums
Very good customer complaint record
A+ financial strength rating
Sells Medigap plans nationwide
Expensive high-deductible Plan G premiums
Must be an AARP member
No high deductible Plan F
AARP-branded Plan G policies from UnitedHealthcare have among the lowest premiums Investopedia found in our study of nine insurers. And the policies are issued by a financially strong company that you can count on to be in business for many years, which is important for Medigap enrollees because it’s often impossible to 澳洲幸运5官方开奖结果体彩网:change Medigap plans outside of the first 🐓six months of 𓆏your open enrollment.
UnitedHealthcare also has a good track record with customer satisfaction. Over a three-year peri🗹od, state regulators received far fewer complaints about the company on average than expected for a company of its size. Also, UnitedHealthcare sells Medigap policies in every state and the𝄹 District of Columbia, though it may not have Plan G policies in every location.
There are only a few drawbacks. While UnitedHealthcare does sell a high-deductible Plan G, its premiums for those plans are the highest Investopedia found out of all the providers we researched. And if you want a high-deductible Plan F instead, you will need to look elsewhere, since the company does not offer those plans. Finally, to buy a Medicare Supplement plan from UnitedHealthcare, you will need to be a member of AARP. The nonprofi𒉰t organization advocates for issues related to peopl💮e who are 50 and older, and membership can be as low as $15 the first year and $20 a year after that with automatic renewal.
UnitedHealthcare was founded 🅘in 1977 and is owned b🌄y UnitedHealth Group, a global health care and well-being company based in Eden Prairie, Minnesota.
Lowest Cost Plan G : Anthem
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- Average Plan G Premium: $242 a month
- Complaint Record: As expected for company size
- Financial Strength Rating: A
Anthem Plan G premiums are the lowest Investopedia found amo😼ng all the providers we researched. You could save even more t🐎hrough its household discount.
Lowest average premiums for Plan G policies
Household multipolicy discount
Short customer service phone response time
Only sells Medigap plans in 13 states
No high-deductible Plan G
Only sells 5 Medigap plans in all
If you’re on a tight budget, Anthem might be𒆙 ideal for you. The quotes we pulled for Plan G premiums were the lowest on average out of all the insurers we researched. They were about $100 less per month than the most exp𒊎ensive options. You could trim your premium by another 10% if someone else in your household also enrolls in a Medicare Supplement plan from Anthem. On top of that, our researchers found that calls to customer service were answered quickly—hold times were only about 30 seconds.
It's disappointing that this affordable Plan G policy isn’t more widely available. Anthem only sells it in 13 states. Another thing to keep in mind is that Anthem only offers 澳洲幸运5官方开奖结果体彩网:Plans A, B, F, G, and N, and does not sell a high-deductible Plan G. If yo𓃲u’re not sure exactly which type of Medicare Supplem✃ent plan you want, you may want to consider another provider (at least until you decide).
Anthem is aꦚn independent licensee of Blue Cross Blue Shield and is owned by Elevance Health. Anthem is based in Indianapolis.
Best High-Deductible Plan G : Aetna
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Aetna
- Average Plan G Premium: $344 per month
- Complaint Record: Much worse than expected for company size
- Financial Strength Rating: A
Aetnꩵa charges the lowest premiums for high-deductible Plan G policies, and it sells🌟 Medicare Supplement policies throughout more than half the country.
Sells a high-deductible Plan G and Plan F
Lowest high-d♉eductible Plan G premiums in our survey
Household discount available in many states
Medigap policies available in 28 states
Costly premiums for regular Plan G
Terrible customer complaint record
Aetna’s average high-deductible Plan G premium is only $63 a month, which beats its competitors by $30-$76. It’s ideal for healthier applicants who want to save on premiums. In some states the company offers discounts for people who are spouses, domestic partners, or who have lived together ꦚfor at least 12 months. Aetna also sells high-deductible Plan F policies for those who are eligible.
A high-deductible Plan G policy charges a much lower monthly premium than regular Plan G, but you must pay the first $2,870 of medical bills before the coverage kicks in. Standard Plan G policyholders only must pay the Plan B 澳洲幸运5官方开奖结果体彩网:deductible of $257, but they pay higher premiums.
Ironically, Aetna’s Plan G premiums are the worst we found in our sur﷽vey, so if you decide to go with a standard Plan G, consider Anthem or UnitedHealthcare instead.
Before enrolling with Aetna, be warned that its customer satisfaction record is poor. The company received far more customer complaints than e♛xpected for an insurer its size.
Aetnat was founded in 1853 and ha🅘s its headquarters in Hartford, Connecticut.
Best for Customer Satisfaction : State Farm
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State Farm
- Average Plan G Premium: $265 per month
- Complaint Record: Much better than expected for company size
- Financial Strength Rating: A++
State Farm has the best complaint record of all the companies we surveyed, receiving far fewer complaints than expected for an insurer i꧑ts size. That’s a go🐭od indicator that customers are largely satisfied.
Excellent customer complaint record
Best financial strength rating available
Competitive Plan G premiums
No high-deductible Plan G
Long hold times for customer service
Besides having an outstanding customer complaint record, State Farm also has an A++ financial stability rating from credit rating agency AM Best. It was the only insurer in our stu꧟dy with this top score, which means it has a superior ability to meet its future claims obligations. Importantly, State Farm has affordable Plan G premiums. Its average quote of $265 a month is among the best three we found.
Since State Farm is primarily a property and casualty insurer, it sells fewer Medigap plans than some competitors that specialize in health insurance. State Farm only sells six types of Medigap p💟lans (A, C, D, F, G, N) and does not sell a high-deductible Plan G. State Farm also does not offer a household discount for Plan G policies.
State Farm was founded in 1922 and is based in B🌟loomington, Illinois🎉.
Why Trust Us
Investopedia works for the consumer, not the insurance companies. Every product review we do starts with a rigorous research project led by staff editors and researchers. For this list of the best Plan G Medicare Supplement providers, we collected data points related to 20 criteria from nine companies. We used this data to𝔉 review each compan⛄y for financial stability, customer satisfaction, coverage options, cost, and other features.
Investopedia has been a trustworthy source of financial information since 1999, and has years of expꦆerience bringing reaꦇders objective, data-driven reviews of financial products and services.
How ✤We Choꦐse the Best Plan G Medicare Supplement (Medigap) Companies
To identify which Medicare insurance companies to consider for this list, we reviewed research conducted by market intelligence and consulting firms, such as Kaiser Family Foundation (KFF), Chartis Group, and McKinsey. These reports provided insight into individual🐻 market share, enrollment growth,༺ and nationwide availability for major Medicare providers in the United States.
We🧸 used this information to narrow our focus to nine Medigap companies that met our൲ baseline standards for availability, financial strength, and customer satisfaction.
For each of these companies, we collected data from organizations such as the credit rating agency AM Best and the National Association of In꧃surance Commissioners (NAIC). The NAIC collects customer complaints made to state regulators about insurance companies and presents the information in a 澳洲幸运5官方开奖结果体彩网:complaint index, which reflects the number of complaints m💮ade relative to the companܫy’s size.
We also mined data from government databases provided by the 澳洲幸运5官方开奖结果体彩网:Center🥀s for Medicare and Medicaid Services (CMS), as well as from insurer websites, media representatives,✱ and Investopedia business partners. Data collection occurred between Au🅰g. 27 and Oct. 10, 2024.
We then fed that data into a quantitative model we developed ✃that scored each Medigap company based on𒁃 criteria our experts deemed most important when choosing an insurance provider. The criteria were weighted as follows, in broad terms:
- Costs: 43%
- Financials: 20%
- Plan Types: 17%
- Customer Satisfaction: 15%
- Nationwide Availability: 5%
Read our 澳洲幸运5官方开奖结果体彩网:full methodology for reviewing Medicare insurance providers.
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Terry Vine / Getty Images
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