The Best Medigap Plans for Cancer Patients

Humana began in the nursing home industry in 1959, and it has transformed over the past 60 years into a health-care powerhouse. Humana offers nine out of the 10 Medigap plans, including plans G and N, along with an impressive Medicare Part D prescription drug plan.

Humana Medigap Plans*

• Plan A
• Plan B
• Plan D
• Plan G
• High-Deductible Plan G
• Plan K
• Plan L
• Plan N

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

Plans, Pricing, and Benefits

Depending on the state where you live, you may have to contact a Humana agent to discuss Medigap plans available in your area. Humana’s online search tool is pretty easy to use, but you need to be ready with your Medicare ID information, including your parts A and B coverage start dates. We researched plans and quotes for 65-year-old applicants located in Los Angeles. Here’s what we found for the seven plans available in that location:

We were impressed with Humana’s health coverage options, especially since you could snag a 6 percent discount just for signing up online. From Medigap and Medicare Part D prescription drug plans to dental and vision insurance, Humana offers it all. We found Humana’s website easy to navigate, and comparing plans and pricing was simple. Humana’s Medigap premiums are pretty high, however, especially compared to carriers like AARP.

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Ready to learn more about Humana Medicare supplement plans and coverage? Read our in-depth review of Humana Medigap plans.

Founded over 75 years ago, Anthem has a long history in the health and wellness sector. The industry leader is part of the Blue Cross Blue Shield Association and serves over 40 million subscribers. Anthem offers many ways to combine insurance options to provide cancer patients with whole-body health care. In addition to offering benefit-rich Medigap plans G and N, Anthem members have the opportunity to add on prescription drug coverage, vision, and dental plans.

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Anthem Medigap Plans*

• Plan A
• Plan B
• Plan G
• Plan N

*For individuals first eligible for Medicare before 2020, Plan F is also available.

Plans, Pricing, and Coverage

Anthem doesn’t have nearly as many Medigap options as Humana, but it still offers two plans that may be great options for cancer patients (plans G and N). We looked for plans available to 65-year-old applicants in Los Angeles, and here’s what we found:

The biggest drawback to Anthem’s Medigap plans is that they aren’t as widely available as plans from Humana or Cigna. If their plans are available in your area, you could benefit from pretty affordable coverage and many of the same essential benefits as Medicare Supplement plans from other carriers. Plus, some Medigap plans from Anthem offer foreign travel emergency coverage, which offers up to $250 of coverage per year, plus 20 percent of any remaining costs.

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Anthem has Medicare recipients covered with Medigap, Medicare Part D, vision, and dental plans. If you’re weighing Medigap vs. Medicare Advantage plans, Anthem also offers Part C coverage (explore our Anthem Medicare Advantage review for comparison). Anthem’s Part D prescription search tool makes researching cancer medication coverage and costs stress-free. If you live in an area where Anthem is offered, the carrier is a solid contender for your health-care needs.

In business for over 225 years, Cigna is one of the nation’s oldest insurance carriers. Over 165 million customers rely on Cigna for their health insurance needs. Cigna takes service to the next level, offering 24/7 year-round support. In addition to real-time assistance for Medicare supplement plans, Cigna’s Health Information Line provides valuable phone access to health advocates. Cigna’s Part D plans are offered in all 50 states, giving cancer patients access to over 63,000 pharmacies and a drug formulary that covers over 3,000 medications.

Cigna Medigap Plans*

• Plan A
• Plan G
• High-Deductible Plan G
• Plan N

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

Plans, Pricing, and Coverage

Cigna offers three primary Medigap plans for beneficiaries who became eligible in 2020 or later, as well as the High-Deductible Plan G option. That gives it a slight leg up over Anthem, but it still offers far fewer plans than Humana. We researched Cigna Medigap quotes for 65-year-old applicants in Los Angeles. Here are the results:

*The premiums shown above include the online-enrollment discounts. Your actual premiums may vary based on your location and enrollment method.

The enrollment discounts give Cigna a competitive edge, especially compared to higher-premium carriers such as Humana and Mutual of Omaha. Like Anthem, Cigna offers a $250 foreign travel emergency benefit (plus 20 percent of remaining care), which can be used up to a lifetime maximum of $50,000. It’s a great option for Medicare beneficiaries who are being treated for cancer but still want the opportunity to travel without the fear of unexpected medical costs.

With over two centuries in the industry, Cigna is a health-care trailblazer. In addition to their Medigap plans with extensive coverage, Cigna provides outstanding customer and health advocate support. Cancer patients have access to Cigna’s Wellness Library, filled with information on cancer diagnosis and treatments. Visit our review of Cigna’s Medigap plans for an in-depth look at plan offerings, cost, and how to enroll.

For more than a century, Mutual of Omaha has delivered health and financial solutions to customers across the United States. Since Medicare’s launch in 1966, Mutual of Omaha has also provided Medigap insurance to older adults. The well-known carrier offers comprehensive options for individuals with cancer, including Medigap plans G and N, along with Medicare Part D prescription drug plans.

Mutual of Omaha Medigap Plans*

• Plan A
• Plan D
• Plan G
• High-Deductible Plan G
• Plan N

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

Plans, Pricing, and Coverage

Mutual of Omaha’s online plan comparison tool makes it easy to see which Medigap plan is right for you. It’s also one of the few carriers that offers a big household discount for applicants with partners, spouses, or other relatives who are 60 or older and intend to enroll in a Medigap plan. We researched quotes for 65-year-old applicants in Los Angeles (without the household discount), and here’s what we found:

We really like that Mutual of Omaha provides a breakdown of each plan, including who it’s ideal for and what it covers. Mutual of Omaha’s Plan G, for instance, is best for seniors and other Medicare beneficiaries who prefer to pay up front, don’t mind a higher monthly premium, want to avoid out-of-pocket surprises, and need strong protection. That makes it easier to narrow down your options and find the plan that works best for your budget and your health.

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Mutual of Omaha is a trusted Medigap carrier that consistently earns high marks. We were impressed with their dedication to client care and swift payment of Medicare claims. As a mutual company, Mutual of Omaha is owned by its policyholders, not Wall Street. Their premiums are higher than those we found from Cigna and AARP, however, so the plans are generally better if you can take advantage of the household discount. For a closer look at Mutual of Omaha’s Medigap plans, head to our Mutual of Omaha review.

Since 1958, AARP has been committed to ensuring older adults have control over how they live as they age. Two decades ago, they formed a partnership with UnitedHealthcare, one of the largest health insurance companies in the United States, to deliver an impressive range of benefits. Like Humana, AARP from UnitedHealthcare offers comprehensive options for individuals with cancer, including Medigap plans G and N, along with Medicare Part D prescription drug plans.

AARP Medigap Plans from UnitedHealthcare*

• Plan A
• Plan B
• Plan D
• Plan G
• Plan K
• Plan L
• Plan N

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

Plans, Pricing, and Coverage

Just like Humana, AARP offers nine of the 10 Medicare Supplement plans, two of which are limited based on the applicant’s date of Medicare eligibility. Like every carrier on this list, however, pricing and availability is dependent on the beneficiary’s location. We researched quotes for 65-year-old applicants in Los Angeles, and here’s what we discovered:

Premiums vary a lot by location, but AARP offers some of the lowest premiums of any carrier on this list. We would have liked to see a High-Deductible Plan G, like the plans offered through Humana, Cigna, and Mutual of Omaha, but AARP’s Plan K still provides a solid option for budget-conscious Medicare beneficiaries. As an added bonus, AARP stands out for its wellness extras, which include a variety of discounts on dental, vision, and hearing care, as well as free gym memberships.

With nearly 38 million members, older adults trust AARP for good reason. Their wide range of plans, discounts, and experience serving adults make AARP Medigap plans from UnitedHealthcare a strong contender. We were pleased with the transparency of prescription pricing. With their prescription cost estimator, pricing common cancer drugs was straightforward. Visit our UnitedHealthcare Medigap review to learn more about the carrier.