How to choose the best health insurance supplement plan for you – Forbes Health


Many health insurance companies offer various Medigap plans, but not all providers issue policies in all 50 states or boast high ratings by rating agencies like AM Best. (AM Best rates companies on their ability to meet their financial obligations, so a high rating indicates that the insurance company will be able to pay the claims.) While prices vary by person and location, here are three major insurance providers to consider when you begin your search for the best plan for you. Each of them offers nationwide coverage and holds an AM Best rating of A- or higher.

AARP by UnitedHealthcare

AM Best 2021 ranking: A-
Medigap plans offered: A, B, C, F, G, K, L and N
Also offers Medicare Part D for prescription drug coverage

Since 1958, the AARP (Association des Retraités) has remained faithful to its founding principles to improve the quality of life while promoting the autonomy, dignity and purpose of the elderly. AARP is not an insurance company, but has partnered with UnitedHealthcare, the nation’s largest insurer that covers more than 43 million people in all 50 states and most US territories, to provide Medigap coverage. . Together, they provide Medicare supplement plans to over 4 million American adults today. They have a highly rated customer service and support team equipped with experts to answer questions and help you find the best plan for you.


AM Best 2021 Ranking: A
Medigap plans offered: A, B, C, D, F, HD-F, G and N
Also offers Medicare Part D for prescription drug coverage

For over 200 years, Cigna has remained a global presence in the insurance world. Their network of more than 1.5 million relationships with healthcare providers, clinics and institutions enables them to provide services to more than 180 million clients in more than 30 countries. This level of performance is why they are ranked thirteenth on the Fortune 500 2020 list. Cigna is known for its competitive pricing, reliable service and the free additional programs it offers to its customers. You can also get free online quotes for any of the Medigap plans they offer.

Mutual of Omaha

AM Best 2021 ranking: A +
Medigap plans offered: A, F, HD-F, G and N
Also offers Medicare Part D for prescription drug coverage

In business for over 100 years, Mutual of Omaha provides coast-to-coast coverage for American adults exploring their Medicare Supplement plan options, among other types of insurance. Their website highlights everything you need to know about Medigap plans in a clear and easy-to-understand way, taking the guesswork out and frustration out of signing up. You can connect with an agent in your area, get a free quote, and request a Medigap plan through the Mutual of Omaha website. Reviews regularly comment on the quality of customer service and overall coverage satisfaction.

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