Best Medicare Supplement Plan G Providers

Compare Medicare Supplement Plan G providers to find what works for you

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Medicare Supplement Plan G is a Medigap plan that covers most of the out-of-pocket costs that Original Medicare does not pay for with one exception: your Medicare Plan B deductible. For the 2024 coverage year, this is $240.

Many seniors choose Medicare Supplement Plan G insurance because of its cost-effectiveness and overall coverage, but the process of finding a provider can be confusing and overwhelming, so we’re here to help. We’ve gathered the best Medicare Plan G companies and compared them to give you the most comprehensive idea of your possible coverage as you move through the Medicare journey. All plans cover the same gaps in Medicare, no matter who the carrier is. So we differentiate based on pricing, availability, high-deductible Plan G offerings (which can save you money on premiums), and customer service and satisfaction.

We determined that Mutual of Omaha and Blue Cross Blue Shield are the best Medicare Supplement (Medigap) Plan G providers of 2024. Mutual of Omaha has some of the lowest Plan G costs and a widely available high-deductible Plan G offering, but Blue Cross Blue Shield provides a variety of member perks, like access to a 24/7 nurse line and extensive discounts.

Best Medicare Supplement Plan G Providers

Best Medicare Supplement Plan G Providers
Best Medicare Supplement Plan G Providers

Best Overall (Tie) : Mutual of Omaha

Investopedia's Rating



Pros & Cons
  • Competitive rates for Plan G

  • Affordable high-deductible Plan G available in nearly all states

  • Part D and dental coverage available to add on

  • Excellent financial strength rating

  • Discounts on wellness, hearing, and vision products and services

  • Few options for customer service

Why We Chose It

Mutual of Omaha is tied with Blue Cross Blue Shield for the best overall Medicare Supplement Plan G provider. Mutual of Omaha has some of the most affordable premiums for Medicare Supplement Plan G policies. 

Additionally, Mutual of Omaha is one of the only providers that offers a widely available high-deductible Plan G. A high-deductible plan may be right for you if you’re on a limited budget and don’t need much medical care.

All of its Medicare Supplement plans come with free perks like fitness benefits, and discounts on products related to healthy living, hearing, and vision care. You can also purchase other plans from Mutual of Omaha, including Medicare Supplement Part D and dental insurance.

Mutual of Omaha has an A+ financial strength rating from AM Best, which is one of the highest ratings possible. It indicates that the company has a superior ability to meet its financial obligations and pay claims. 

While Mutual of Omaha is a strong provider overall, its customer service options are lacking. You can only speak to a representative during business hours, whereas some other companies we reviewed offer weekend hours or 24/7 customer support.

Best Overall (Tie) : Blue Cross Blue Shield

Investopedia's Rating

Blue Cross/Blue Shield

 Blue Cross/Blue Shield

Pros & Cons
  • Low average costs for Plan G

  • Every plan includes access to a 24/7 nurse line

  • Dental, hearing, and vision insurance package available to add on

  • Discounts for members of select BCBS organizations through Blue365

  • High-deductible Plan G is only available in 18 states

Why We Chose It

Along with Mutual of Omaha and AARP/UnitedHealthcare, Blue Cross Blue Shield has some of the lowest pricing on Medicare supplement plans in general, and it edges out Mutual of Omaha in our cost analysis. However, Blue Cross Blue Shield’s high-deductible Plan G is not sold in nearly as many states. 

BCBS has a presence in 41 states, and the company has an average rating of 3.5 stars out of five from the National Committee for Quality Assurance (NCQA), an independent organization that measures plan quality and member satisfaction. That puts it about in the middle of the pack of the companies that offer Plan G.

Depending on your BCBS organization, you may have the option of adding an affordable package to your Plan G coverage that includes dental, vision, and in some cases, hearing coverage. Plus, you may be eligible for a discount of up to 60% on hearing aids through the Blue365 program.

The company’s Medicare supplement plans typically include free access to a 24/7 nurse line, a variety of discounts through the Blue365 program, and online resources, like webinars and medical procedure estimate guides.

To see which Blue Cross Blue Shield plans are available where you live, you can visit your state’s Blue Cross Blue Shield website or go to

Best Detailed Plan Descriptions : Cigna

Investopedia's Rating



Pros & Cons
  • Excellent plan descriptions on the website

  • Plans include free access to a 24/7 nurse line

  • Good online resources for Plan G and Medicare

  • Offers a 5% household discount in most states

  • High-deductible Plan G only available in a few states

  • Higher premiums on Plan G than competitors

  • Must provide your contact information to get a quote

Why We Chose It

Cigna’s website has in-depth plan descriptions to help you compare plans and choose the right one for your coverage needs. You can also find some helpful online educational resources about Plan G and Medicare. If you want to compare plans, you’ll need to provide your contact information first, as well as some personal details, like your age and current insurance plan.

If you’re strongly considering getting Plan G through Cigna, speaking with a representative could be helpful. But if you’re still getting quotes and researching providers, it can be frustrating to field unwanted calls from the company.  

Although Cigna does have a high-deductible plan, it’s only available in a handful of states. It’s also worth noting that Cigna’s premiums are higher than other competitors on this list.

The company does offer a 5% discount when members of the same household enroll. However, it isn’t available to plan members in Hawaii, Idaho, Minnesota, or Vermont, and it’s only offered to spouses of members who live in the state of Washington.

Household discounts are not available in Hawaii, Idaho, Minnesota, and Vermont.

Lowest Cost Plan G : AARP / UnitedHealthcare

Investopedia's Rating

Pros & Cons
  • Best prices for Plan G

  • Best NCQA rating among Medicare Supplement companies we researched

  • Offers customer support via live chat

  • Discount for new members

  • Plans are only available to AARP members

  • No high-deductible Plan G policy offered

Why We Chose It

Out of all the Medicare Supplement Plan G providers we reviewed, UnitedHealthcare has the lowest average Plan G premiums. For even more savings, the company offers several new enrollment discounts. 

For instance, some plan members between the ages of 65 and 68 can save up to 39% on their premiums (the discount decreases with age). There’s also a 7% multi-insured discount and a discount of nearly $24  per year for paying electronically or paying in full. Keep in mind that the discounts available and plan costs will depend on factors like your location and age.

To purchase Plan G from UnitedHealthcare, you must be an AARP member (a membership costs $16 per year). Medigap plan members can get perks like a package of vision, dental, and hearing discounts, a gym membership, and access to a 24/7 nurse help line. UnitedHealthcare is also one of the only providers we reviewed that offers live chat support.

In addition to its affordable prices and excellent discounts, UnitedHealthcare also has great ratings, including a 3.9 out of 5 star NCQA rating, the highest rating across Medicare Supplement providers. It also has an A+ (Superior) financial strength rating from AM Best.

Bottom Line

If you are looking for the best Medicare Supplement Plan G provider, our top recommendations are Mutual of Omaha and Blue Cross Blue Shield. Blue Cross Blue Shield has some of the best member benefits and discounts, whereas Mutual of Omaha has superior financial strength and widely-available high-deductible Plan G. Both companies have competitive rates for standard Plan G. But if you want the lowest rates, go with UnitedHealthcare. 

Before choosing a Plan G provider, it’s a good idea to compare several companies and prices for the plan you want, as costs and benefits can vary by state. For instance, Blue Cross Blue Shield offers a special Plan G Plus in Illinois that has vision and dental benefits, and it’s not available in other states.

How to Shop for and Compare Medicare Supplement Plan G 

Step 1: Determine If You Are Eligible to Enroll in Medicare

Medicare enrollment eligibility begins three months before you turn 65 and extends for the three months after unless you're eligible earlier due to disability. Otherwise, you can enroll during Open Enrollment, which runs from Oct. 15 through Dec. 7 each year. After that, there's no ability to enroll, only the option to adjust coverage you already are enrolled in. Changes in coverage begin in January. Every provider we look at has an eligibility check when providing you estimates, which will tell you if you're eligible to enroll or not.

Step 2: Decide If You Want to Enroll in Medicare Parts A and B, or a Medicare Advantage Plan

You must be enrolled in both Medicare Part A and Part B before you are eligible to enroll in any Medicare Supplement Plan. If you choose to enroll in a Medicare Advantage Plan, you cannot enroll in a Supplement Plan. 

Step 3: Find Out What Medicare Supplement Plan G Plans Are Available in Your Area

Not every provider offers every Supplement plan, and not every provider has plans available in every location. Most Medicare Supplemental insurance providers will ask for your ZIP code when you're preparing your personalized estimate, which will let you know immediately if the provider covers your area.

Just because a plan covers your state doesn’t mean it covers your area, so make sure you enter your ZIP code correctly to see the plans available in your county.

Step 4: Determine If You Would Like a Regular or a High-Deductible Plan G

As you might have guessed, a high-deductible Plan G comes with a higher out-of-pocket payment than regular Plan G, but with lower monthly premiums. It’s important to do your homework; the trade-off is that with a high-deductible Plan G, you have to pay a higher amount ($2,800 in 2024) before receiving the benefits. In comparison, you only need to meet your Plan B deductible ($240 in 2024) if you have regular Plan G.

You’ll need to determine the best choice for your budget, and if paying a higher monthly premium is worth it to you, to not have to pay out-of-pocket costs throughout the year.

Step 5: Check Plan Pricing and Coverage

Cost is often a determining factor in many purchases. Medicare Supplement insurance providers may have different costs for the same care, while some may go above and beyond the basic level of care required by law.

The federal government mandates all Medicare Supplement Plan G coverage. All plans will cover the same basics: nursing home care, extended hospital care, blood transfusions, etc. Some providers may offer more, but the cost may be higher with those plans.

Step 6: Get An Expert Opinion

An insurance broker or consultant can be a valuable asset. They have more access and knowledge than the average person might, and they sometimes can negotiate better prices for Medigap plans, or at the very least, provide additional guidance throughout the insurance-buying process. Plus, using a broker or consultant does not increase your costs, since they receive commissions from the insurance companies. Furthermore, an insurance broker has stringent rules set by the government to ensure the process is handled easily and fairly for you, the customer.

Step 7: Sign Up for Coverage

Once you have decided which Supplement Plan G is right for you, you can register directly with the insurance provider, usually online or by telephone. Remember: during Medicare Open Enrollment, anyone eligible may enroll in Medicare and pick any supplemental insurance they may need.

What Is Included in Medicare Supplemental Plan G?

Medicare Plan G covers almost everything Original Medicare does not. It doesn’t extend the scope of care, just the amount of coverage included. Plan G coverage includes excess charges leftover from the 80% that Original Medicare does not cover, including Part A and Part B copays and Part A’s deductible. The other big difference: Plan G does not cover the Part B deductible, which needs to be met. However, that payment does count toward the Plan G deductible as well.

What Is the Difference Between Plan F and Plan G for Medicare Supplement Plans?

There are some differences between Plan F and Plan G. Plan F covers the Plan B deductible, and Plan G does not, but Plan F was phased out as of Jan. 1, 2020. Plan F is now available only to those who were eligible for Medicare before that date. Plan G is a popular replacement because both offer identical benefits aside from the Plan B deductible coverage.

You can switch Medicare Supplement plans at any time by submitting a new application. In most states, you will have to answer medical questions to be approved. Call your provider to find out whether you need to fill out a medical health questionnaire to switch.

Is Medicare Plan G Going Away?

Not any time in the foreseeable future. Plan F was phased out as of Jan. 1, 2020, but Medicare Supplement Plan G is intended to replace it.

Is Plan G the Best Medicare Supplement Plan?

It really depends on what you want. Suppose you’re looking for a comprehensive basic Medicare Supplement plan. In that case, for coverage that fills in gaps not provided by Original Medicare, Plan G is a good option, especially if you recently became eligible for Medicare and can’t sign up for Plan F.

However, if you want more bundled coverage, dental or vision coverage, or don’t think you’ll need the benefits Plan G offers (such as an extended hospital or hospice care), another Medicare Plan might be better for you.

What Is the Average Cost for Medicare Plan G?

The cost of any Medicare Supplement plan depends on your situation, location, health history, and the carrier you choose. Compare Medigap Plan G providers to find the best rate for you.

Does Plan G Cover Dental?

No. Some providers may offer dental discounts, but there is no dental coverage included in Plan G. You can choose a Medicare Advantage plan if you want extra perks like dental.

Can I Keep My Plan G If I Move to Another State or Country?

If you move to another state and your plan's Supplement Plan G is available in your new location, you can keep your plan. If it's not available in your new location, you may need to switch plans or providers if other companies offer Plan G coverage in your new area.

What Is the Difference Between Plan G and Plan G With a High Deductible?

The difference between a regular Plan G plan and a High Deductible Plan G plan is the deductible amount and coverage timing. With a standard Supplement Plan G, you’re covered immediately and are responsible only for the $240 Part B deductible, plus your monthly premium. With a high-deductible Plan G, your coverage begins once you pay your $2,700 deductible, which then covers all future out-of-pocket costs. 

Determining which one is best for you depends on your situation and if you need the coverage Plan G provides immediately or if it makes more sense to pay the lower premiums until that higher deductible is met.


We identified top companies by market share within the industry offering Medicare Advantage plans from various business and market insight databases including Statistia, Plunkett, and Gale. We also considered user-generated data from Google to determine public interest and trends in Medicare plans.

Our data was collected from third-party rating agencies like the credit rating agency AM Best and the National Committee for Quality Assurance (NCQA), an independent organization that rates health care plans on quality and customer satisfaction. We also gathered data from government websites and databases provided by the Centers for Medicare and Medicaid Services (CMS) such as and, and directly from companies via websites, media contacts, and existing partnerships. The data collection process spanned Sept. 15-29, 2023.

We then developed a quantitative model that scores each Medicare plan based on five major categories and 22 criteria that are crucial in evaluating the plan’s offerings and benefits.

Data was verified to ensure data integrity and accuracy by cross-referencing the records and adding citations that correspond to each data point with our primary sources.

Read our full methodology for reviewing Medicare insurance providers.

Best Medicare Supplement Plan G Providers

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Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
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  2. U.S. Centers for Medicare and Medicaid Services. "Joining a Health or Drug Plan."

  3. Centers for Medicare and Medicaid Services.  "Learn How Medigap Works.”

  4. "F, G & J Deductible Announcements."

  5. Centers for Medicare and Medicaid Services. "Agent and Broker (Health Insurance)."

  6. Centers for Medicare and Medicaid Services. "Switching Medigap Policies."

  7. "2024 Medicare Parts A and B Premiums and Deductibles.”