Top 3 Leading Providers of Medicare Supplement Plans

Explore the top three Medicare Supplement providers—AARP, Humana, and Cigna—each offering unique benefits and nationwide coverage options. Learn about plan availability, perks, and how to choose the best Medicare supplement plan tailored to your needs. This guide helps seniors make informed healthcare decisions with detailed comparisons and assistance options to ensure optimal coverage and savings.

Leading Medicare Supplement Plan Providers

Medicare coverage helps mitigate healthcare costs by paying for various medical services and treatments. However, original Medicare often offers limited coverage, leaving gaps that can be costly. To bridge this, many choose Medicare Supplement or Medigap plans, which are sold privately to cover expenses not paid by standard Medicare. Choosing the right supplement plan requires careful comparison and thorough research of available options.

Top Companies Offering Medicare Supplements

AARP

The American Association of Retired Persons, established in 1958, focuses on supporting seniors through various services, including healthcare programs. While not an insurer itself, AARP partners with insurance providers like United Healthcare to offer affordable Medicare supplement plans tailored for seniors.

Subscribers must be AARP members, which costs around $12 annually, to access the plans. These plans include options like A, B, C, F, G, L, K, and N, though availability varies by state. Customers can input their ZIP code on the website to receive a personalized quote, typically assuming non-tobacco use and being age 65. For more detailed assistance, contacting an insurance agent is recommended.

Members enjoy additional perks such as discounts on rentals, hotels, and entertainment, with rates increasing with age. Multi-member households might also qualify for additional discounts, though these vary geographically.

Humana

Founded in 1961, Humana has established itself as a trusted leader in health insurance. Recognized by organizations such as the American Heart Association and BBB (which gives an A+ rating), Humana offers comprehensive Medicare supplement and Part D plans. Members benefit from perks like discounts on glasses, dental, and vision care, included at no extra cost.

Humana’s coverage spans nationwide, offering plans like A, B, G, K, L, N, C, F, and High Deductible F. Their online tools enable users to compare plans based on location, and prospective buyers can get quotes by entering basic info like date of birth, gender, and coverage start date without sharing personal details. Assistance is also available via phone or online chat for plan selection and comparison.

Cigna

With a client base exceeding 95 million, Cigna is a major player in the Medicare market. Known for competitive rates and high service quality, Cigna is popular among those with preexisting conditions or outside the Open Enrollment period. Their plans include A, F, HD-F, G, and N, with availability depending on the state.

Cigna’s policies do not restrict beneficiaries to in-network providers, offering greater flexibility in healthcare choices. Additional benefits include wellness programs, massage therapy, and Cigna Healthy Rewards®, enhancing overall healthcare experience.

Important Notice:

This article offers general insights into Medicare supplement providers based on research. While aiming to provide accurate and useful information, it should not be considered definitive. Readers should verify details independently, as plan options and offers may vary by location and over time. The website cannot guarantee the accuracy or completeness of external data or promotional offers.