Shopping for a Medicare Supplement means picking a company you may stay with for 20 years or more. Online star ratings rarely tell you what matters, because every company’s Plan G pays exactly the same benefits.
Here’s how the top Medigap carriers compare for 2027 on the things that actually separate them, and how to check any company’s track record yourself.
Medigap benefits are standardized by federal law, so coverage is never the difference between companies. These four things are:
Reading reviews for one plan? See Medicare Plan N reviews for 2027 and the most common complaints.
| Carrier | Known for |
|---|---|
| Mutual of Omaha | One of the largest Medigap carriers, with a household discount of up to 12% in many states |
| HealthSpring | The former Cigna Medicare business, now owned by HCSC |
| Wellabe (Medico) | A wide plan lineup, with a dental rider in some states |
| Physicians Mutual | In business since 1902, with a one-time plan change option in many states |
| ACE / INA (Chubb) | Backed by Chubb and rated A++ (Superior) by A.M. Best |
| United American | A Globe Life company selling Medigap since 1966, rated A (Excellent) by A.M. Best |
| Aflac | Sold in about 42 states, with a household discount that roommates can qualify for |
| Anthem | The Blue Cross Blue Shield company in 14 states |
Discounts, features and availability vary by state. Ratings can change; check A.M. Best for the latest.
You can also read our guides to UnitedHealthcare, Aetna, Humana and Blue Cross Blue Shield.
Good to know: Medigap claims are largely automatic. Once Medicare approves a claim, your Medigap plan pays its share. So most one-star reviews are about billing, phone wait times or rate increases, not about claims being denied.
That’s why a carrier’s rate history and financial strength tell you far more than its average star rating. A company that keeps premiums steady will save you more over 10 years than one with great reviews and steep increases.
Then compare prices for the same plan letter. See typical prices in Medicare Supplement Plans Cost 2027, and walk through the full process in How to Choose a Medigap Policy 2027.
Related: Transamerica Medicare Supplement plans for 2027 Its rating, plan letters, discounts and how it compares.
There’s no single best company for everyone. Because benefits are standardized by plan letter, the best carrier for you is the one with strong financial ratings, a steady rate history and the lowest price for your plan letter in your ZIP code.
Focus on financial strength ratings, rate increase history, NAIC complaint data and discounts. Online star reviews often reflect billing or customer service issues and say little about how claims are paid, since Medigap claims are largely automatic once Medicare approves them.
No. Benefits for each plan letter are the same from every company. A Plan G pays the same benefits whether it comes from Mutual of Omaha, ACE or any other carrier. Price and service are what differ.
A.M. Best rates insurers on their financial strength and ability to pay claims. A++ and A+ are Superior, and A and A- are Excellent. For a policy you may keep for 20 years or more, a strong rating matters.
The National Association of Insurance Commissioners (NAIC) publishes complaint data by company, and your state insurance department can also share complaint information and rate filings.
A low first-year premium can climb fast if a carrier raises rates sharply each year. Over a decade, a steadier carrier can cost much less even if it starts a little higher.
Many do, including Mutual of Omaha, Physicians Mutual, Aflac and ACE, often around 7% to 12% depending on the carrier and state. Some carriers, like Aflac, let roommates qualify, not just spouses.
You can apply any time, but outside your Medigap Open Enrollment Period or a guaranteed issue right, most carriers can ask health questions. Some states have birthday or anniversary rules that make switching easier.
If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.
Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.