What is the best Medicare Supplement plan?

The "best" Medicare supplement plan depends on your personal needs, budget, and when you became eligible for Medicare. Generally, Plan G is considered the most comprehensive option for new enrollees, while Plan F offers the maximum coverage (including the Part B deductible) for those eligible before January 1, 2020.

Which Medicare Supplement insurance is best?

Best Medicare Supplement Insurance Companies in 2026

• UnitedHealthcare / AARP – Best Plan Pairing: Plan G or Plan N.
• Cigna Healthcare – Best Plan Pairing: Plan G.
• Humana – Best Plan Pairing: Plan N.
• Aetna (CVS Health) – Best Plan Pairing: Plan N.

Is Plan G better than Plan F?

Plan G isn't universally "better," but it's often a better value and the only option for most new Medicare beneficiaries, as Plan F (which covers the Part B deductible) isn't available to those new to Medicare since 2020, while Plan G offers nearly identical, comprehensive coverage at a potentially lower premium for many, making it the practical choice for affordability and broad protection. 

Which medicare advantage plan denies the most claims?

Centene (Wellcare) and CVS Health (Aetna) have faced scrutiny for high prior authorization denial rates in Medicare Advantage (MA) plans, with reports showing they had the most denied requests in 2023, though many denials were overturned on appeal, indicating issues with their strict criteria, while UnitedHealthcare also faces lawsuits and uses technology that has led to increased denials, especially for post-acute care, highlighting systemic challenges with MA plan claim approvals. 

Is AARP the best Medicare Supplement?

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data and more. Based on these ratings, AARP Medicare Supplement Insurance tops our list of the best Medicare Supplement Insurance companies.

The Best Medicare Supplement Plans in 2024 and 2025

What is the disadvantage of UnitedHealthcare for seniors?

Disadvantages of UnitedHealthcare (UHC) for seniors often involve its Medicare Advantage plans, including potentially restrictive provider networks, frequent prior authorizations slowing care, high denial rates for claims, and significant geographical variations in plan quality, meaning benefits and costs can differ greatly by location, sometimes leading to surprise out-of-pocket costs or limited access to specific doctors/hospitals. 

What is the average monthly cost for a Medicare Supplement?

Medicare supplemental insurance premiums in 2025 typically range from about $32 to $550 per month, with most beneficiaries paying somewhere in the middle of that range depending on their plan choice, age, location and other factors.

Is Blue Cross or UnitedHealthcare better?

UnitedHealthcare gets slightly higher overall star ratings than BCBS and may offer lower prices, but BCBS might offer a better customer experience.

What company has the best Medicare Advantage plan for seniors?

There's no single "best" Medicare Advantage plan; it depends on your needs, but top providers like Aetna, UnitedHealthcare, Humana, and Kaiser Permanente (in CA) consistently rank high for network size, customer satisfaction, affordability (including $0 premiums), and extra benefits (dental, vision, wellness). The best plan for you will match your doctors, preferred hospitals, prescription drugs, budget, and desire for extra perks, so compare options using the official Medicare Plan Finder. 

What insurance company has the most complaints?

There isn't one single company with the "most" complaints universally, as it varies by insurance type (auto, home, health) and reporting agency, but Allstate frequently appears at the top of "worst" lists for auto/property due to aggressive claims tactics (lowballing, delays). For home insurance, companies like American Bankers and Spinnaker show high complaint ratios, while some reports point to high denial rates for health insurers like AvMed and UnitedHealthcare. 

Who offers the best plan G?

UnitedHealthcare is the best Plan G Medicare Supplement (Medigap) provider of 2026, according to Investopedia research. Anthem and State Farm are two more excellent options. Plan G is the most popular Medigap plan, and it's the most comprehensive for people who turned 65 on or after Jan. 1, 2020.

What is not covered under Plan G?

Medicare Plan G doesn't cover prescription drugs (requiring a separate Part D plan), routine dental, vision (like glasses/contacts), hearing aids, long-term care, private-duty nursing, or the annual Medicare Part B deductible, but it covers nearly everything else Original Medicare doesn't pay after you meet that deductible, making it very comprehensive.
 

Should I switch from Plan F to G?

Key Takeaways. Plan G offers nearly identical coverage to Plan F, except it doesn't pay the Medicare Part B deductible. Plan F is only available to people who became eligible for Medicare before January 1, 2020. Plan G may save you money overall, especially if you don't mind paying a small deductible each year.

What is the best prescription drug plan for seniors on Medicare?

There's no single "best" Medicare Part D plan; it depends on your medications and budget, but top-rated providers for low costs/premiums often include Humana, Wellcare, UnitedHealthcare (AARP), and Cigna, with Humana Value Rx and UHC's AARP plans frequently highlighted for low deductibles or $0 options for generics, while the official Medicare Plan Finder (Medicare.gov) is the essential tool for comparing plans in your specific area. Always check the plan's formulary (drug list) and pharmacy network against your needs. 

What are the biggest mistakes people make with Medicare?

The biggest Medicare mistakes involve missing enrollment deadlines, failing to review plans annually, underestimating total costs (premiums, deductibles, copays), not enrolling in a Part D drug plan with Original Medicare, and assuming one-size-fits-all coverage or that Medicare covers everything like long-term care. People often delay enrollment, get locked into old plans without checking for better options, or overlook financial assistance programs, leading to higher out-of-pocket expenses and penalties. 

Why does AARP recommend UnitedHealthcare?

AARP does not necessarily argue that UnitedHealthcare is the right choice for every Medicare beneficiary, but it does proclaim it as a trusted healthcare partner and resource. Of course, there may be an additional reason other than UHCs good name. UnitedHealthcare pays AARP for the use of its name.

What is the highest rated Medicare Supplement plan?

There isn't a single "highest rated" plan, but Plan G is the most popular and comprehensive for new enrollees, covering nearly everything except the Part B deductible, while Plan F (only for those eligible before 2020) is the most comprehensive overall; the best company for Plan G is often AARP/UnitedHealthcare, with others like Humana and BCBS also highly rated for different strengths. Your "best" plan depends on your budget, location, and need for coverage like excess charges.
 

Is Humana or UnitedHealthcare better for seniors?

UnitedHealthcare: Medicare Advantage Comparison. UHC has higher star ratings and a large network, but Humana's Part B Giveback benefits and lower average premiums might make coverage more affordable.

What are the top three Medicare plans?

• Best for size of network: UnitedHealthcare Medicare Advantage.
• Best for ratings: Aetna Medicare Advantage.
• Best for low-cost plan availability: HealthSpring (formerly Cigna) Medicare Advantage.
• Best for Part B Giveback: Humana Medicare Advantage.
• Best startup: Devoted Health Medicare Advantage.

What is the disadvantage of UnitedHealthcare?

UnitedHealthcare's disadvantages often center on high claim denial rates, extensive prior authorization requirements leading to treatment delays, potential network restrictions (especially with HMOs), and variations in plan quality/benefits by location, with some users experiencing difficulty getting necessary care approved despite paying premiums. Other concerns include under-reimbursement of independent doctors, potentially impacting access, and lower coverage for specific needs like hearing aids in some Advantage plans. 

What is the best health insurance for seniors on Medicare?

There's no single "best" health plan, as it depends on your needs, but top providers for Medicare Advantage (Part C) include Humana, UnitedHealthcare, Aetna, and BCBS, offering diverse benefits like $0 premiums, extra perks, and strong networks, while Medigap (Medicare Supplement) complements Original Medicare by filling gaps, with popular carriers like AARP/UHC, Anthem, and Cigna providing standardized policies (Plans G, F, N), with personalized choices best found via your State SHIP counselor or broker. 

What is the #1 insurance in America?

The #1 insurance company in the U.S. depends on the category, but UnitedHealth Group leads in overall health insurance revenue/market share, while State Farm is the largest in property & casualty (P&C) and auto insurance by market share. Other top contenders include Elevance Health (health) and Progressive/Geico (auto/P&C). 

Does everyone have to pay $170 a month for Medicare?

If you don't get premium-free Part A, you pay up to $565 each month. If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty. Most people pay the standard Part B monthly premium amount ($202.90 in 2026).

What drugs are not covered by Part D?

Medicare Part D generally excludes drugs for weight loss/gain, fertility, hair growth, and sexual dysfunction (unless for other conditions), plus over-the-counter (OTC) meds, cough/cold relief, most vitamins, and those covered by Part A/B (like hospital drugs). While plans must cover certain classes (like antidepressants, cancer meds), specifics vary by plan's "formulary," and exceptions can sometimes be requested.