Best Medigap Plans for Low-Income Seniors

Humana offers several budget-friendly options for low-income beneficiaries, including Medigap plans K, L, and N, along with High-Deductible Plan G. For those needing an affordable Medicare Part D prescription drug plan, Humana’s value plan also delivers. While Humana’s premiums can’t quite compete with Cigna’s, they still offer great combinations of affordable Medigap and Part D plans.

We were impressed with Humana’s competitive rates and wide range of wallet-friendly health coverage options. In addition to Medigap and Medicare Part D prescription drug plans, Humana offers dental and vision plans, making it a one-stop shop for your health care needs. The website was easy to navigate, and comparing plans and pricing was straightforward.

» Our Take: Humana Medigap Plan Reviews

Humana Medigap Plans*

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

*Plan C, Plan F, and High-Deductible Plan F also have low premiums. However, they are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.

Humana Prescription Drug Plan

Humana offers two lower-cost prescription drug plans:

• Humana Value Rx: Affordable monthly premiums that can cost as little as $25 (on average). Copays can be as low as $0 depending on the region, and there is a $0 deductible on Tier 1 and Tier 2 drugs. This Part D plan is best for those who want more robust coverage for generic drugs, but don’t require as many Tier 3 through Tier 5 medications.
• Humana Basic Rx: This plan is designed for limited-income individuals who are eligible for Medicare’s Extra Help program. It’s also suitable for those seeking basic prescription drug plan (PDP) coverage ($35 per month on average) with access to a preferred cost-sharing network.

We researched plans available to 65-year-old men and women living in Atlanta, Georgia. We found lower premiums with zero-deductible plans from Anthem, but Humana offers more plan options than both Anthem and Cigna — including the Plan G High Deductible, which offers the lowest monthly premiums. Here’s what we found from Humana:

*Plan availability and monthly premiums will vary based on your age, gender, and location.

While the plans above are somewhat limited in the additional coverage they offer (based on the location), depending on where you live, you could gain access to some or all of the following perks:

• SilverSneakers fitness club service
• Rx discount
• Vision discount
• 24-hour nurse advice line
• Hearing discount

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Part of the Blue Cross Blue Shield Association, Anthem’s Medigap plan offerings include Plan N, which may be ideal for those with limited financial resources. In addition to Anthem’s Medigap plans, policy discounts, and add-on benefits, we found this carrier’s member support to go above and beyond. Like AARP, Anthem takes care of their members and offers a variety of senior discounts and resources for Medicare beneficiaries. However, they don’t offer nearly as many plan options as Humana or Mutual of Omaha.

Anthem’s Medigap plans and optional prescription, dental, and vision coverage help optimize member health and wellness. Anthem’s app, available for both iOS and Android, makes finding care, managing prescriptions, checking benefits, and tracking claims a breeze. For individuals with dual Medicare and Medicaid enrollment, Anthem serves state-sponsored programs across seven states.

» Our Take: Anthem Medicare Advantage Plans Review

Anthem Medigap Plans*

• Plan A
• Plan G
• Plan N

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

Anthem Prescription Drug Plan

Anthem offers one lower-cost prescription drug plan:

• Anthem Blue Cross MediBlue Rx Standard offers copays as low as $1 at preferred in-network pharmacies. Anthem’s Part D plan premiums tend to be higher than other carriers, with the lowest available premium just below $50 per month. Your monthly costs may be reduced if you’re eligible for Medicare’s Extra Help program. Anthem’s user-friendly website makes it easy to confirm if a prescription drug is covered by the plan and if preapproval is needed for new medications.

Despite only being available in 14 states (and select ZIP codes), we researched several Medigap plans available to 65-year-old men and women in Atlanta, Georgia. While Anthem doesn’t offer High-Deductible Plan G, which typically has the lowest premiums, they do have some of the lowest premiums of any carrier on this list for Plan A. Here’s what we found with Anthem:

*Plan availability and monthly premiums will vary based on your location.

We really like that Anthem provides a full and digestible breakdown of each plan. We could easily scan through the general benefits, see monthly costs, and understand what would be covered without having to click through to an overwhelming document detailing every last benefit (which you can also do).

All of the plans offer optional dental and vision benefits at no additional cost, depending on your location. While Plan A is the most affordable, it may be worth it for some Medicare beneficiaries to pay more for Plan G and get coverage for things like skilled nursing coinsurance, Part B copayments, and even foreign travel emergency care. It all depends on your budget, health, and lifestyle.

Many Anthem Medigap policyholders can also access benefits like:

• SilverSneakers fitness memberships
• WellRx savings programs
• Household discounts

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As a leader in the health insurance industry, Cigna has been in business for more than 225 years. With over 182 million customers, Cigna’s vast coverage area reaches across the United States. With Cigna, individuals in 48 states and Washington, D.C., have access to Medicare supplement insurance. Eligible enrollees may receive deep discounts on premiums.

With an expansive coverage area and low-cost Medigap and Part D plans, Cigna is an outstanding carrier to explore. Eligible individuals can take advantage of Cigna’s generous enrollment and household discounts. Though they don’t offer as many plans as Humana or Mutual of Omaha, they have some of the best discounts to help keep monthly premiums affordable.

» Our Take: Cigna Medicare Supplement Plans

Cigna Medigap Plans*

• Plan A
• Plan G
• Plan N

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

Cigna Prescription Drug Plan

Cigna offers two lower-cost prescription drug plans:

• Cigna Saver Rx offers valuable coverage on generic drugs, a low monthly premium ($15 to $20 on average), and moderate Part D coverage. Cigna contracts with about 62,000 network pharmacies.
• Cigna Assurance Rx offers basic coverage, low premiums ($40 to $60 on average), and low copays. This plan may be a solid choice if you receive financial assistance through Medicare Part D Extra Help. Cigna’s Part D plans are offered in all 50 states and Washington, D.C.

We love that Cigna offers a variety of ways for seniors and other Medicare beneficiaries to increase their coverage on out-of-pocket expenses. With availability in 48 states and even more ZIP codes than Humana, Cigna is available to a large percentage of low-income Americans.

To get an idea of what their Medigap costs look like, here are the plans available to 65-year-old men and women in Atlanta, Georgia.

*Plan availability and monthly premiums will vary based on your age, gender, and location. These premiums include the 25 percent premium and online enrollment discounts.

In addition to their affordable Part D plans, Cigna really stands out for their premium discounts. By enrolling in a plan at age 65, you’re eligible for a 20 percent discount (eligibility varies by age and ZIP code).

This discount decreases each year and is completely eliminated by the age of 90. Additionally, if you enroll online, you can get an extra 5 percent off your premium — meaning you could get a 25 percent discount in total.

Even without the discounts, Cigna’s premiums are relatively competitive, but if you’re eligible for discounts, Cigna Medigap is one of the most affordable ways to get coverage for out-of-pocket medical expenses.

As an extra bonus, they’re available in 48 states and more ZIP codes than any other carrier on this list, so there’s a good chance that if you’re eligible for Medicare, you could be eligible for a cost-friendly Medigap plan from Cigna.

» Also Check Out: Cigna and Senior Care Coverage

Mutual of Omaha was founded in 1909 as the Mutual Benefit Health & Accident Association. The carrier has been providing Medigap insurance since Medicare started in 1966. Offering Plan N and High-Deductible Plan G makes this Medicare insurance company popular with low-income older adults.

Mutual of Omaha provides an impressive number of educational resources for Medigap enrollees, though AARP still offers the most resources for seniors and other Medicare beneficiaries. Mutual of Omaha’s user-friendly website, transparent pricing and plan details, and uncomplicated online application process stood out. We loved that all Mutual of Omaha Medigap plans, including the lower premium options, promote nutrition, fitness, and well-being.

» Our Take: Mutual of Omaha Medigap Plans Review

Mutual of Omaha Medigap Plans*

• Plan A
• Plan B
• 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.

Mutual of Omaha’s Medigap premiums aren’t as low as Cigna’s, but they still beat out Anthem and compete well with larger carriers like Humana. We love that Mutual of Omaha offers High Deductible Plan G, as this is one of the best plans for those who want coverage but still want to keep their monthly costs low and predictable.

Here are estimated costs for 65-year-old men and women living in Atlanta, Georgia.

*Plan availability and monthly premiums will vary based on your age, gender, and location. These premiums include the 12 percent household discount.

It’s important to consider that, similar to Cigna, Mutual of Omaha offers substantial discounts on premiums. The quotes above include 12 percent for those who have an additional Mutual of Omaha Medigap policyholder in the same household. The online enrollment discount is pretty easy to qualify for, but if you don’t have someone else in your home who wants a Mutual of Omaha Medigap plan, you can expect higher premiums.

Additionally, Mutual of Omaha no longer offers prescription drug plans as of 2025, which is a significant drawback if you need coverage for medications. If you can find an adequate plan with a low premium, and you don’t need many medications, you may be able to keep your costs low with a prescription discount card. However, if you need a prescription drug plan, you may want to consider other insurance carriers.

Like Anthem and AARP, Mutual of Omaha offers emergency travel coverage with some plans, including the low-premium, High Deductible Plan G. This makes it a great solution for seniors on a tight budget who still want protection if and when they leave their network.

» Also Check Out: Senior Travel and Vacations

Two decades ago, AARP joined forces with UnitedHealthcare. UnitedHealthcare is one of the largest health care insurance companies in the world. AARP’s partnership with UnitedHealthcare delivers an impressive range of benefits, including lower-cost plan options.

Since 1958, AARP has been dedicated to empowering people to choose how they live as they age. In addition to offering lower premiums, their top-notch discounts, rewards, and dedication to health and wellness make AARP Medigap plans from UnitedHealthcare a strong contender for lower-income individuals.

» Our Take: UnitedHealthcare Medicare Supplement 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.

AARP Part D Prescription Drug Plans Offered through UnitedHealthcare

AARP offers two lower-cost prescription drug plans:

• AARP MedicareRx Preferred has a relatively low monthly plan premium ($72 on average). It’s an excellent option for customers who prefer to get their medications by mail, especially if they’re generic.
• AARP MedicareRx Saver has lower monthly premiums ($67 on average) and a wide range of pharmacy network options. It is geared toward older adults who don’t currently take many prescriptions.

Like Humana, AARP and UnitedHealthcare have a lot of plans available, many of which are good fits for seniors and other Medicare beneficiaries on a budget. However, you do have to be an AARP member to be eligible, which adds $20 per year to the cost. This isn’t a huge amount, but when you’re trying to save as much as possible on out-of-pocket expenses, every cent counts.

Here are the AARP Medigap plans and prices we found for 65-year-old men and women in Atlanta, Georgia.

*Plan availability and monthly premiums will vary based on your age, gender, and location.

It’s important to point out that the quotes above do not include the enrollment discount, which can be as high as 39 percent. While the lack of a High-Deductible Plan G option is disappointing, Plan K is a highly affordable alternative (for those who are eligible), and major discounts will apply for most applicants. Just remember that you’ll also need to add the AARP membership fee to the total.

In addition to the plethora of AARP resources you’ll get with that membership, most of AARP’s Medigap plans come with additional benefits, similar to those offered by Humana and Anthem:

• Dental, vision, and hearing discounts
• Free gym membership
• 24/7 nurse advice line