Best Medicare Supplement Plan G Providers of 2023

Mutual of Omaha’s pricing for both high-deductible Plan G and standard Plan G is better than average for the industry. What’s more, the company offers Part D prescription drug coverage and dental insurance that you can add to your Plan G policy, along with other benefits. For example, the Mutually Well discount program offers discounts on healthy living products and services as well as a $25 gym membership with access to over 10,000 locations. You can also save on hearing and vision care.

Mutual of Omaha holds an A+ (Superior) financial strength rating from AM Best, which indicates superior reliability when it comes to paying claims. And while Mutual of Omaha isn’t rated by the National Committee for Quality Assurance (NCQA), the company had about an average number of complaints with the National Association of Insurance Commissioners (NAIC) over the last three years relative to its size, which indicates no serious issues with customer satisfaction. However, unlike some other Medigap providers, Mutual of Omaha only offers phone support during regular business hours. You should ensure that it will be convenient for you to contact the company if you have issues with your plan. 

For a little more than $15 per month, you can add dental, vision, and hearing coverage to your Blue Cross Medicare Supplement Plan G policy. As long as you use an in-network provider, you’ll get preventive dental care at no additional cost, plus an annual pair of standard lenses, an annual hearing exam, and discounts on hearing aids. You’ll also get access to the Blue365 discount program, free webinars, free nurse advice available 24/7, and more.

Blue Cross Blue Shield is a well-rated insurer, with a 3.5 star member experience rating from the NCQA and an average financial strength grade of A+ (Excellent) from AM Best. The company also offers better than average pricing, beating Mutual of Omaha in some states. There’s even a 5% multi-policy discount if you and someone you live with both enroll. But available plans vary by state—for example, Blue Cross Blue Shield of Illinois offers high-deductible and standard Plan G Plus, which include vision and dental benefits, while in other states, only standard Plan G is offered. You can visit your state’s BCBS page to view your options and get a quote.

While a standard Plan G from Humana may not be your cheapest option, Humana’s high-deductible Plan G had the lowest premiums, on average, based on our review of quotes across two of the most popular ZIP codes for Medicare plans. And if you enroll online, you’ll also get a 6% discount on your premium (except in CA, CT, and OH). Beyond price, Humana is a well-rated provider, with an average 3.6-star NCQA rating and an A- (Excellent) financial strength grade from AM Best. That said, over the last three years, Humana received more than triple the number of complaints expected for a company of its size with the NAIC. This indicates there may be issues with the company’s customer satisfaction.

Humana offers live chat support and extended customer service hours with weekend availability, making it convenient to reach the company with questions or concerns. What’s more, the company’s Part D plans are very highly-rated by the Centers for Medicare and Medicaid Services (CMS), earning an average of 4 out of 5 stars. Humana offers a dental, hearing, and vision package as well, but premiums are higher than BCBS’ package.

UnitedHealthcare is the highest-rated Medicare supplement provider by the NCQA, with a 3.9 out of 5 star average plan rating, which reflects positive member experiences. The company also has an A+ (Superior) financial strength rating from AM Best. UnitedHealthcare Medigap plans come with perks, like a free gym membership, access to a 24/7 nurse line, and discounts on vision, dental and hearing. You can even get a free driver safety course that could help you save money on car insurance premiums. 

While you must be an AARP member to enroll in a UnitedHealthcare Medicare supplement plan, membership only costs $16 per year, and you may save more than that on your premiums when compared to other providers.UnitedHealthcare offers the lowest average premium for standard Plan G, although the company doesn’t offer the high-deductible option. In addition, UnitedHealthcare has a new enrollment discount that varies by state and your age when you enroll. As an example, you can save up to 36% on your first year premiums in California. Some states offer even deeper discounts.