Best Medicare Supplement Plans in 2025

Humana offers a large variety of Medicare supplement insurance plans in many areas. Depending on your age and location, you could have as many as 10 Humana Medigap plans to choose from compared to just four with Anthem and three with Cigna. Navigating Humana’s website to get an online quote is simple. Its interactive comparison tool is noteworthy, since you can explore Medigap, Medicare Advantage, and Medicare Part D plans and prices at a glance. It’s useful if you don’t know what plan you’re looking for. The company offers Medicare Part D prescription drug, dental, and vision plans, so you can receive all your coverage in one place. With medical, prescription, dental, and vision plans, Humana earned high marks for its range of health care offerings. If Humana offers the plan you want in your ZIP code, it’s worth serious consideration.

» For Dental Coverage: Best Dental Plans for Seniors in 2025

Pricing

Humana uses attained-age pricing, which means prices will increase as you get older. The company offers competitive rates and makes it easy to compare all your options in one place. You can receive a no-obligation quote on the company’s website in minutes. Humana even offers a 6 percent discount in most areas (not available in California, Connecticut, Ohio, or Pennsylvania) just for enrolling online, which is unique. Cigna also offers a discount for online enrollment, but Humana’s online discount is slightly higher.

With the 6 percent discount, a 65-year-old female living in Delaware can expect to pay somewhere between $72 and $162 per month, depending on the plan. Humana’s rates are similar to what Cigna quoted us, but far lower than Mutual of Omaha’s rates. These are the preferred rates that are accessible only during the initial enrollment period. If the same person were to sign up outside of their enrollment period, they could expect monthly premiums ranging from $117 to $257. Keep in mind that rates can vary substantially from one person to the next based on plan type, age, location, and medical history. The numbers above were quotes we received online, but they will not be the same for everyone.

Customer Service

Humana makes enrolling online very easy, and getting additional help is stress-free. Contact a licensed Humana sales agent Monday through Friday between 8 a.m. and 8 p.m., or request to schedule a call when it’s convenient for you. If you’re already a Humana policyholder, you can reach a customer-service representative during the same hours by phone or via chat through Humana’s website. If you forget the customer-service number, you can find it on the back of your Humana ID card.

» Our Full Review: Humana Medigap Plans Review

Our team was always able to get in touch with a friendly, helpful representative during their hours of operation, but we would have liked a 24/7 chat feature or at least some customer-service representation on weekends, like what we got with Mutual of Omaha.

Anthem lets you compare the rates for Medicare supplement insurance, Medicare Advantage, and prescription drug plans all in one place. We appreciate that the company offers various discounts to help older adults save on their Medigap plans. You can view rates for dental and vision coverage and decide if you want to add either to your plan, which is great for older adults who don’t want to deal with a lot of different insurance carriers. Anthem offers Medigap plans A, G, and N, along with Plan F for people who first became eligible for Medicare before 2020. Since Anthem uses attained-age pricing and increased rates for tobacco users, it is generally a better carrier for younger seniors who are still in relatively good health.

» Save More: Senior Discounts in 2025

Pricing

Like Humana, Anthem recalculates your age each year and adjusts your premium accordingly. It also considers factors such as ZIP code, gender, tobacco use, and whether it is your open-enrollment period. The company offers several discounts, including a household and annual payment discount, so there are multiple ways to save.

Anthem estimates that a 65-year-old female who does not use tobacco can expect to pay between $102 and $226 for Medicare Supplement Plan G. As with any other carrier, actual prices will vary. That said, Anthem’s average prices are lower than other major carriers, such as Humana and Cigna.

Customer Service

If you’re looking for a new plan, Anthem sales representatives are available by phone Monday through Friday between 8 a.m. and 8 p.m. Once you’re a member, you can contact customer service anytime between 8 a.m. and 5 p.m., regardless of your state and time zone. You can find the customer-service phone number on the back of your Anthem ID card, or you can log in to your account and use the live chat feature during operating hours.

» Compare Your Options: Anthem Medicare Advantage Plans Review

We were always able to get in touch with a friendly customer-service agent, but the hours of operation are even more limited than Humana, with no way to contact support on the weekend.

Cigna is a Fortune 500 company that offers competitive Medicare supplement insurance rates. If you would like coverage for prescription drugs, you can also purchase a separate Medicare Part D plan through Cigna and streamline the number of carriers you work with. Cigna offers a decent choice of Medicare supplement insurance plans in a wide range of locations, and you can pair plans with a prescription drug plan if you want. That’s great for Medicare beneficiaries who live in a state or area with few available carriers. You can’t go wrong with this company, although the process for getting specific information online isn’t the best.

» You Might Like: Cigna Medicare Advantage Plans Review

*For individuals first eligible for Medicare before 2020, Plan F and High-Deductible Plan F are also available.

Pricing

Cigna’s rates are competitive. Its pricing approach depends on state law, however, so it can’t always compete with the more consistent value and pricing offered by Anthem. Prices may be determined differently in other areas. In parts of Virginia, for example, Cigna uses attained-age pricing for Plan A. That means the younger you are, the less you pay for your plan.

Based on our research, a 65-year-old male living in Chicago can expect to pay somewhere between $75 and $134 per month for Cigna’s Medigap insurance, depending on the plan. Those rates are certainly competitive, but it’s important to consider that Cigna doesn’t offer nearly as many plan choices as Humana and Mutual of Omaha.

Customer Service

Cigna makes it easy to get help at any time of day or night. Unlike every other carrier on our list, Cigna offers customer service by phone 24 hours a day, 365 days a year. If you prefer live chat through the company’s website, you can reach a support representative Monday through Friday between 9 a.m. and 8 p.m. Whether our team reached out by chat or phone, we were always impressed with the professionalism, knowledge, and friendliness of the person on the other end of the line.

» Our Full Review: Cigna Medicare Supplement Plans

Aetna is another reputable carrier offering Medicare supplement insurance plans, and its process for getting quotes online is a breeze. You just need to fill out a simple form with your state, ZIP code, date of birth, gender, and plan start date. You submit it, and — presto! — the quotes for all available plans are listed. The company’s attained-age pricing may mean that seniors end up paying significantly more as they age, but this practice is comparable with many Medigap carriers like Cigna and Mutual of Omaha. The main advantage is that you can get an idea of what you’ll pay not just for the next year but for the next 10 or even 20 years.

» Also Check Out: Aetna Medicare Advantage Plans Review

Aetna makes things even easier by including both regular rates and household discount rates. You can see what each plan covers at a glance. However, tobacco users should expect to pay more than these quotes, as the fine print states. The quotes also only apply during open enrollment or guaranteed-issue periods. If you’re looking to combine multiple coverage types, check out Aetna’s dental options.

*For individuals first eligible for Medicare before 2020, Plan C, Plan F, and High Deductible Plan F are also available.

Pricing

Aetna typically uses attained-age pricing, which could make the carrier a little too expensive for some older seniors. Using Aetna’s simple online quote tool, we compared rates for women living in Virginia (ZIP code 24016) at different ages to give you an idea of how prices change. If a 65-year-old female enrolled during open enrollment or guaranteed issue times to get the preferred rate, she may pay about $111 per month for Plan G, while a 75-year-old female may pay around $139 per month. Just remember: Prices will vary by age, location, gender, and other factors, such as tobacco use and household discount.

Customer Service

Aetna gives consumers a lot of information online, reducing the time they must spend on the phone. If you need to contact customer service, you can call between 8 a.m. and 8 p.m., Monday through Friday. Aetna also gives you the option to contact the company via email, select social media channels, or live chat on the company’s website.

» Our Full Review: Aetna Medicare Supplement Plans

We never had to wait long to get someone on the phone, and emails sent to Aetna are generally answered within one business day. Our team was also happy with their experience with multiple agents, who offered excellent support at all times.

Mutual of Omaha, like Aetna, has a very easy process for getting quotes online. All you need to do is fill out your information, and you’ll immediately get the rates for available plans. Rates are competitive, and Mutual of Omaha has a good reputation as an insurance carrier. It has offered Medicare supplemental insurance since 1966, when Medicare started. Like Humana, Mutual of Omaha offers all 10 Medicare supplement plans, but plan availability will vary by location.

Pricing

Mutual of Omaha generally uses attained-age pricing, so prices will increase as you age. Mutual of Omaha’s online quote tool makes it simple to compare prices, so you can get an idea of how much your premiums will increase as you get older. The website will automatically detect your ZIP code (you can edit your ZIP code if it makes a mistake), so you just have to put in your birthdate and gender. Within seconds, you can see which plans are available, what they cover, and how much they cost. Overall, the company offers a very intuitive initial quote process and transparent pricing.

A 65-year-old male living in Miami, for example, may have access to four Medigap plans through Mutual of Omaha, ranging in price from $119 to $313 per month. Those aren’t the cheapest premiums we’ve encountered, but the cost can vary substantially for each beneficiary. It is important to note that Mutual of Omaha doesn’t offer a discount for paying annually (like Anthem), but you can access a 12 percent household discount.

Customer Service

Mutual of Omaha has been in the Medicare supplemental business since 1966, and it has made a name for itself as a company that looks out for its customers rather than Wall Street. The company is owned by its policyholders, and it shows in the way sales and support representatives treat customers.

» Our Full Review: Mutual of Omaha Medigap Plans

The automated phone system is available 24/7 and can be used to do simple things such as make payments, check your policy status, and request a new ID card. If you have a question or a more complex problem, you can speak to a human by email or phone, with representatives available between 8 a.m. and 8 p.m., seven days a week. We really appreciate the ability to get help or have our questions answered on weekends — something you can’t get with Humana or Anthem.