Which Medicare Supplement Company Is Best?
Compare Medigap companies using the factors that matter for your situation, not a one-size-fits-all ranking.
Your Independent Medicare Broker
William Gray
Founder of The Medicare Dude · Licensed Since 1998 · Independent Medicare Broker
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
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There Is No Single Best Medicare Supplement Company
Medicare Supplement policies are standardized in most states, so the same plan letter generally provides the same core benefits regardless of the insurance company. The company you choose can still affect premium, pricing method, discounts, underwriting, service, and availability.
The best fit depends on your location, age, health situation, budget, preferred coverage approach, and the plans available when you apply.
This page is educational and does not rank one insurer as the best choice for every person.
Standardized Benefits Make Comparison More Focused
Medigap plans are standardized in most states. That means a Plan G from one insurer generally covers the same Medicare-approved benefits as a Plan G from another insurer.
Because benefits are standardized, comparing companies means looking beyond the plan letter to the premium, pricing approach, underwriting, discounts, and carrier-specific details.
Learn more about standardized Medigap plans:
Medicare Supplement (Medigap) Plans OverviewWhat Makes Medicare Supplement Companies Different?
A thoughtful comparison considers more than the first premium you see.
Current premium
Compare the current premium for the same plan and applicant profile.
Pricing method
Understand whether the policy is attained-age-rated, issue-age-rated, or community-rated.
Rate history
Ask about past rate changes while recognizing that past changes do not predict future increases.
Household discounts
Verify whether a discount is available and the conditions that apply.
Underwriting
Review health questions and eligibility rules outside protected enrollment periods.
Availability
Confirm that the policy is offered for your address and situation.
Medicare Supplement Companies Compared
The following carriers are Medicare Supplement companies William Gray works with as an independent broker. Plan benefits are standardized — the comparison below reflects carrier-level differences. Carrier-specific details such as pricing method, household discount percentages, and AM Best ratings should be verified at the time of application.
Aetna
Aetna Life Insurance Company
Primary FL Medigap issuer. American Continental Insurance Company (also CVS/Aetna) issues some Aetna-branded products in select markets.
Humana
Varies by state/product
FL Medigap: Humana Insurance Company of Florida, Inc. Other states use different Humana-affiliated entities. A single national issuer cannot be stated accurately.
Mutual of Omaha
Mutual of Omaha Insurance Company
Primary issuer. United of Omaha Life Insurance Company also issues some Mutual of Omaha products.
HealthSpring
Varies by state/product among HCSC operating subsidiaries
Including HealthSpring National Health Insurance Company and other listed issuers. FL policy forms beginning HNHIC-... (Plans A, F, HDG, G, N) are issued by HealthSpring National Health Insurance Company. Source: healthspring.com state disclosures (Sep 2026).
UnitedHealthcare
Varies by product
Medigap (AARP-branded): United HealthCare Insurance Company. Medicare Advantage: varies by state entity. A single national issuer cannot be stated accurately across all products.
United American
United American Insurance Company
Manhattan Life
Manhattan Life Insurance Company
Primary issuer. ManhattanLife Assurance Company of America also issues some Manhattan Life products.
GPM Health and Life
GPM Health and Life Insurance Company
Medico
Medico Insurance Company
LifeShield
LifeShield National Insurance Company
Coverage may be issued by LifeShield National Insurance Co. or affiliated companies, depending on state and product. Source: lifeshieldnational.com (Sep 2026).
Lumos Insurance
Plateau Insurance Company
Lumos Insurance is the assumed name of The Plateau Group, Inc. Medicare Supplement plans are issued by Plateau Insurance Company, subject to applicable state and product availability.
| Company | Legal Issuer | Plans Offered | Pricing Method | Household Discount | Last Verified | Details |
|---|---|---|---|---|---|---|
Aetna CVS Health | Aetna Life Insurance Company Primary FL Medigap issuer. American Continental Insurance Company (also CVS/Aetna) issues some Aetna-branded products in select markets. | Plan G · Plan N · Plan A | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
Humana Humana Inc. | Varies by state/product FL Medigap: Humana Insurance Company of Florida, Inc. Other states use different Humana-affiliated entities. A single national issuer cannot be stated accurately. | Plan G · Plan N · Plan A | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
Mutual of Omaha Mutual of Omaha | Mutual of Omaha Insurance Company Primary issuer. United of Omaha Life Insurance Company also issues some Mutual of Omaha products. | Plan G · Plan N · Plan A · Plan F (see note) Plan F may be available to beneficiaries who first became eligible for Medicare before January 1, 2020, subject to carrier, state, and product availability. The controlling concept is when the beneficiary first became eligible for Medicare, which can include disability eligibility. Beneficiaries first eligible on or after January 1, 2020 generally cannot purchase Plan F. | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
HealthSpring Health Care Service Corporation (HCSC) | Varies by state/product among HCSC operating subsidiaries Including HealthSpring National Health Insurance Company and other listed issuers. FL policy forms beginning HNHIC-... (Plans A, F, HDG, G, N) are issued by HealthSpring National Health Insurance Company. Source: healthspring.com state disclosures (Sep 2026). | Plan A · Plan G · High-Deductible Plan G · Plan N · Plan F (see note) · High-Deductible Plan F (see note) Plan F and High-Deductible Plan F are available only to eligible applicants who first became eligible for Medicare before January 1, 2020, where the product is offered. The controlling concept is when the beneficiary first became eligible for Medicare, which can include disability eligibility. | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
UnitedHealthcare UnitedHealth Group | Varies by product Medigap (AARP-branded): United HealthCare Insurance Company. Medicare Advantage: varies by state entity. A single national issuer cannot be stated accurately across all products. | Plan G · Plan N · Plan A (AARP-branded Medigap) | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
United American Globe Life Inc. | United American Insurance Company | Plan G · Plan F (see note) Plan F may be available to beneficiaries who first became eligible for Medicare before January 1, 2020, subject to carrier, state, and product availability. The controlling concept is when the beneficiary first became eligible for Medicare, which can include disability eligibility. Beneficiaries first eligible on or after January 1, 2020 generally cannot purchase Plan F. | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
Manhattan Life Manhattan Life Group | Manhattan Life Insurance Company Primary issuer. ManhattanLife Assurance Company of America also issues some Manhattan Life products. | Plan G · other plans: verify current | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
GPM Health and Life Government Personnel Mutual Life Insurance Company (GPM Life) | GPM Health and Life Insurance Company | Plan G (FL confirmed) · other plans: verify current | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
Medico Security Benefit Group | Medico Insurance Company | Plan G (FL confirmed) · other plans: verify current | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
LifeShield LifeShield family of insurance companies | LifeShield National Insurance Company Coverage may be issued by LifeShield National Insurance Co. or affiliated companies, depending on state and product. Source: lifeshieldnational.com (Sep 2026). | Plan G · other plans: verify current | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
Lumos Insurance The Plateau Group, Inc. | Plateau Insurance Company Lumos Insurance is the assumed name of The Plateau Group, Inc. Medicare Supplement plans are issued by Plateau Insurance Company, subject to applicable state and product availability. | Plan A · Plan G · High-Deductible Plan G · Plan N · Plan F (see note) Plan F may be available to beneficiaries who first became eligible for Medicare before January 1, 2020, subject to carrier, state, and product availability. Beneficiaries first eligible on or after January 1, 2020 generally cannot purchase Plan F. | Varies by state/product — verify current | Verify current availability | 2026-09-15 | View |
Carrier information, plan availability, pricing methods, household discount availability, and other details can change. This table is a general reference only. Current information should be verified at the time of application. AM Best ratings are not displayed here — verify current ratings directly at ambest.com. Legal issuer information reflects the primary issuing entity; some carriers use multiple issuing entities by state or product. "Varies by state/product" indicates a single national issuer cannot be accurately stated.
Are the Lowest Medicare Supplement Rates Always Best?
A low current premium can be important, but it is only one part of a Medicare Supplement comparison. Pricing method, discount eligibility, underwriting, and future rate changes can also matter.
A broker can help you compare available options using your own priorities instead of relying on a generic company ranking.
The right comparison starts with your needs, your address, and the plans available to you.
Best Medicare Supplement Company for Plan G
Plan G benefits are standardized in most states, so the company comparison usually centers on price, pricing method, underwriting, discounts, and availability.
The best Plan G company for one applicant may not be the best fit for another applicant in a different location or health situation.
Best Medicare Supplement Company for Plan N
Plan N is also standardized in most states. Comparing Plan N companies means reviewing current premiums and the carrier details that can affect your experience and eligibility.
Plan N has cost-sharing features that differ from Plan G, so it is useful to compare the plan design as well as the insurer offering it.
Best Company for High-Deductible Plan G
High-Deductible Plan G can have a lower premium than standard Plan G, but you must meet the annual deductible before the plan begins paying benefits.
Availability and premiums vary by location and insurer, so confirm current options before making a decision.
Is the Cheapest Medicare Supplement Policy the Best Choice?
Not necessarily. The lowest premium today may be a good fit for some people, but it should be considered alongside pricing method, discounts, underwriting, carrier details, and your coverage priorities.
Comparing the complete picture can help you make a more informed decision.
Why Rate History Matters
Rate history can be a useful discussion point, but it is not a guarantee of future premiums.
Insurance premiums can change for many reasons, including claims experience, medical costs, inflation, and the characteristics of a policy block.
Ask for current information and use rate history as one factor in a broader comparison rather than as a prediction.
Past rate changes do not guarantee future premiums or rate increases.
How Are Medicare Supplement Premiums Priced?
Medicare identifies three primary ways insurance companies can price Medigap policies. Understanding which method applies is an important part of comparing companies.
Attained-Age-Rated
Premium is based on your current age and increases as you get older, in addition to any general rate adjustments.
Issue-Age-Rated
Premium is based on your age when you purchase the policy. It does not increase simply because you get older, though it can increase for other reasons.
Community-Rated
Generally the same premium is charged regardless of age. Premiums can still increase because of inflation and other factors.
Household Discounts
Some insurers may offer household discounts when eligible people live together. Availability, eligibility rules, and discount amounts vary by insurer and state.
Verify the current discount and its requirements before applying.
Medical Underwriting and Enrollment Timing
Outside protected enrollment periods, insurers may use medical underwriting when you apply for a Medicare Supplement policy. Eligibility and health questions can vary by carrier.
Your federal Medigap Open Enrollment Period and certain guaranteed-issue situations may provide important protections. Review your timing before changing coverage.
Open vs. Closed Medicare Supplement Blocks
One subject consumers rarely hear discussed is whether a Medicare Supplement policy series or "block of business" remains open to new applicants. An insurance company can have more than one policy series and may eventually stop selling a particular series to new customers while continuing to insure existing policyholders. Understanding block status is a useful part of comparing companies.
Currently accepting new Medicare Supplement applicants.
Existing policyholders remain in the policy series, but new applicants are no longer being added.
Verify directly with the insurer or applicable state insurance department.
Financial Strength and Medicare Supplement Companies
A Medicare Supplement policy is a long-term insurance decision. Financial-strength information from independent rating agencies can be a useful reference when comparing companies.
AM Best Financial Strength Ratings
AM Best specializes in evaluating the insurance industry. Consumers can use AM Best's company search to research the financial-strength rating of the insurance company actually issuing the policy — not just the brand name on the marketing materials.
Important: A financial-strength rating evaluates an insurer's ability to meet its insurance obligations. It does not tell you whether that company's Medicare Supplement premium will increase or whether that company is the best choice for you.
Compare Medicare Supplement Companies in Your State
Medicare Supplement availability, premiums, and underwriting can vary by state and address. A comparison should be based on the options available where you live.
William Gray can explain and compare the carriers and products he is appropriately licensed, authorized, and appointed to represent.
A Complete Comparison Beats a Generic “Best” List
There is no single Medicare Supplement company that is best for everyone. A useful comparison considers the details that apply to you.
We look at the complete picture:
The goal is to identify an option that fits your needs and circumstances, not to chase a universal ranking.
Authoritative Sources for Medicare Supplement Research
Rather than asking consumers to simply trust our analysis, we encourage independent verification using authoritative sources.
Independent Medicare Supplement Guidance
William Gray is an independent Medicare insurance broker. He can help explain and compare options from the carriers and products he is appropriately licensed, authorized, and appointed to represent.
Plan availability, benefits, premiums, provider participation, formularies, and enrollment outcomes are not guaranteed and should be verified before enrollment.
This information is educational and is not a guarantee of coverage, savings, or enrollment.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
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