First American Medicare

Medicare Supplement Insurance (Medigap)

Keep any doctor who takes Medicare and know your costs up front. We compare supplement prices from the companies we represent in your state, and it costs you nothing to work with us.

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Not connected with or endorsed by the U.S. government or the federal Medicare program.

Not sure which is right for you?

Most people choose between two paths: Original Medicare with a supplement, or a Medicare Advantage plan. They can't be combined, so it's worth picking the one that fits how you live and use care.

Take the 3-question quizRead: Medicare Advantage vs. Medigap

Or call us at (888) 840-5814 and we'll walk you through it.

What a Medicare Supplement does

  • Works alongside Original Medicare (Parts A and B) to help pay costs Medicare doesn't, like deductibles, coinsurance and copays.
  • Use any doctor or hospital in the U.S. that accepts Medicare. No networks and no referrals.
  • Plans are standardized by federal law, so a Plan G from one company has the same benefits as a Plan G from another. What differs is the price, the company, and how its rates have changed over time.
  • Supplements don't include prescription drug coverage, so most people pair one with a stand-alone Part D plan.
  • A supplement can't be used together with a Medicare Advantage plan.
  • Supplements generally don't cover routine dental, vision, hearing aids, or long-term care.

Popular plans

Plan G

Covers your share of Medicare-approved costs except the yearly Part B deductible. The most popular choice for people new to Medicare.

Plan N

A lower premium in exchange for some cost sharing: you pay the Part B deductible, copays of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to an admission, and any Part B excess charges.

High-deductible Plan G

The same benefits as Plan G after you meet a yearly deductible, in exchange for a lower premium.

Plans C and F are only available to people who were eligible for Medicare before January 1, 2020. Massachusetts, Minnesota and Wisconsin use their own standardized plans.

When to buy: timing matters

Your Medigap Open Enrollment Period lasts 6 months and starts the first month you have Part B and are 65 or older. During this window, companies can't turn you down or charge you more because of your health.

After that, most companies can ask health questions and may decline you or charge more, unless you have a guaranteed issue right. Examples include losing employer or retiree coverage, your Medicare Advantage plan leaving your area, or trying Medicare Advantage for the first time and switching back within 12 months.

Some states give extra chances to change plans. We'll tell you what applies where you live.

How supplement prices are set

  • Community-rated: Everyone pays the same price regardless of age.
  • Issue-age-rated: Based on your age when you buy, so it doesn't go up because you get older.
  • Attained-age-rated: Based on your current age, so it goes up as you get older.

Any of these can also rise because of inflation and claims. We look at each company's history of rate increases, not just today's price.

How it works with us

  1. 1Request your quotes. It takes about two minutes.
  2. 2We compare the companies we represent in your ZIP code, including their rate history.
  3. 3Review your options with a licensed agent and apply. You pay the same premium you'd pay buying directly.

Look up a Medicare Supplement company

Type a company name to see its background, financial strength rating and where it sells plans. A Plan G from one company has the same benefits as a Plan G from any other, so what you're really comparing is the company: its price, its rate history and its service.

  • AARP / UnitedHealthcare

    AM Best A

    AARP Medicare Supplement plans are insured by UnitedHealthcare, part of UnitedHealth Group, the largest health insurer in the U.S. AARP endorses the plans but is not the insurance company. You need an AARP membership to enroll, and the plans are sold in every state.

  • Aetna

    AM Best A

    Founded in 1853, Aetna is one of the oldest insurers in the country and is now part of CVS Health. Its supplement policies are issued by several Aetna companies, including Continental Life and American Continental, and in some states by its Accendo subsidiary, so the name on your policy may not say “Aetna.”

  • Allstate Health Solutions

    Not selling new policies

    Withdrawing from Medicare Supplement insurance. New sales are ending state by state; existing policies continue as long as premiums are paid.

    Allstate entered the supplement market when it bought National General in 2021 and later renamed that business Allstate Health Solutions. Allstate has since announced it is leaving the Medicare Supplement market. If you have one of these policies, your coverage continues, and we can help you review your options.

  • Anthem Blue Cross Blue Shield

    AM Best A

    Anthem is the largest company in the Blue Cross Blue Shield system and runs the Blue plan in 14 states. Its parent company changed its name from Anthem, Inc. to Elevance Health in 2022.

  • Bankers Fidelity

    AM Best A-

    An Atlanta-based company focused on insurance for older adults. Depending on the state, policies are issued by Bankers Fidelity Life, Bankers Fidelity Assurance or Atlantic Capital Life Assurance.

  • Bankers Life

    AM Best A

    Bankers Life is part of CNO Financial Group, which focuses on middle-income Americans who are retired or near retirement. Its sister company, Washington National, also issues supplement policies in some states.

  • Blue Cross Blue Shield

    Blue Cross Blue Shield is not one company. Each state or region has its own independent Blue plan, and that local company sets its own supplement prices, discounts and rules. Anthem, listed separately, runs the Blue plan in 14 states.

  • Gerber Life

    AM Best A+

    Best known for children's life insurance, Gerber Life also sells Medicare Supplement plans. It has been part of Cincinnati-based Western & Southern Financial Group since 2019.

  • HealthSpring (formerly Cigna)

    AM Best A

    HealthSpring is the new name for the Medicare business HCSC bought from Cigna in March 2025; its supplement plans moved to the HealthSpring name in 2026. HCSC, which also runs the Blue Cross Blue Shield plans in Illinois, Texas, New Mexico, Oklahoma and Montana, says it is the second-largest supplement company in the country by number of policyholders. Older Cigna supplement policies are now handled by HealthSpring.

  • Humana

    AM Best A

    Humana is one of the largest Medicare companies in the U.S. and is best known for its Medicare Advantage and drug plans. It also sells supplement plans in most states through several Humana insurance companies.

  • ManhattanLife

    Not selling new policies

    Stopped selling new Medicare Supplement policies in all states on April 30, 2025. Existing policies continue as long as premiums are paid.

    Founded in 1850, ManhattanLife is one of the oldest insurance companies in the U.S. It no longer sells new supplement policies, but existing policyholders keep their coverage. If you have one of these policies, we can help you compare your options.

  • Medico (Wellabe)

    AM Best A

    Wellabe, an Iowa company that was called American Enterprise Group until 2023, sells its supplement plans under the Medico name and has been in business since 1929. It offers Plans A, F, high-deductible F, G, high-deductible G and N.

  • Mutual of Omaha

    AM Best A+

    A Fortune 500 company owned by its policyholders, Mutual of Omaha is one of the best-known names in Medicare Supplement insurance. Depending on your state, your policy may be issued by Mutual of Omaha Insurance Company or an affiliate such as Omaha Insurance Company or United World Life.

  • Oxford Life

    AM Best A

    Phoenix-based Oxford Life has been in business since 1965 and is part of U-Haul Holding Company (formerly AMERCO). Its supplement plans are issued by its subsidiaries, North American Insurance Company and Christian Fidelity Life Insurance Company.

  • Physicians Mutual

    AM Best A+

    Founded in 1902 and based in Omaha, Physicians Mutual sells Medicare Supplement, dental and life insurance. Depending on the state, policies may be issued by Physicians Mutual Insurance Company, Physicians Life Insurance Company or Physicians Select Insurance Company.

  • State Farm

    AM Best A+

    Best known for auto and home insurance, State Farm also sells Medicare Supplement plans, issued by State Farm Mutual Automobile Insurance Company. These plans are sold only through State Farm's own agents.

  • Transamerica

    AM Best A

    Transamerica is a large life insurance and retirement company owned by Aegon. Its supplement plans are issued by Transamerica Life Insurance Company in a number of states.

  • United American

    AM Best A

    United American is part of Globe Life Inc., a Texas-based life and supplemental health insurer. It has sold Medicare Supplement coverage for decades and offers a wide range of plan letters in many states.

  • USAA

    AM Best A++

    Founded in 1922 to serve military members, USAA sells Medicare Supplement plans through USAA Life Insurance Company. The plans are sold directly by USAA, mainly by phone and online.

Want prices from the companies available in your ZIP code?

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This list is for general education. We don't represent every company listed, not every company sells in every state, and being listed here isn't a recommendation. Ratings are AM Best Financial Strength Ratings for the companies that issue the policies, current as of October 2026. Ratings can change, so check ambest.com for the latest.

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Medicare Supplement plans are offered by private insurance companies. First American Medicare is a licensed insurance agency, not connected with or endorsed by the U.S. government or the federal Medicare program.