Best Medigap Plan G Companies 2025
From my 20+ years of experience as a Medicare broker, I can confidently say that Allstate, ACE, and Aflac are my top-pick providers for Medigap Plan G in 2025.
Cigna, UnitedHealthcare, and Mutual of Omaha might not have the cheapest premiums, but I also consider them to be trustworthy providers for Plan G.
I want to share several Medicare Supplement (Medigap) Plan G companies that I value based on key factors like:
- Monthly premiums
- Discount offerings
- Financial stability
- Member reviews
- History in the Medicare market
It’s not enough to just look at benefits because, thanks to regulations by CMS and state insurance departments, all Medigap companies offer the same benefits for each plan level.
For example, Cigna’s Plan G benefits are exactly the same as Aflac’s Plan G.
So, let’s look at how these companies stack up against each other.
Medigap Plan G Premium Comparison
One of the biggest questions that a Medicare beneficiary will ask when choosing a Medigap Plan G provider is:
How much is the monthly premium?
To help give you an idea – I created a couple of charts that compare the Plan G premiums offered by various companies.
Sample Rates for a Male (65 years)
| Medigap Company | Plan G |
|---|---|
| Allstate | $124.09 |
| ACE | $136.75 |
| Aflac | $150.93 |
| Cigna | $154.87 |
| Blue Cross Blue Shield | $157.18 |
| Mutual of Omaha | $158.70 |
| Wellpoint Insurance Company | $163.09 |
| UnitedHealthcare | $176.12 |
| Aetna | $186.68 |
| Quotes are the average monthly rate for a 65 year-old male nonsmoker living in Dallas, TX (zip code 75002). | |
Sample Rates for a Female (65 years)
| Medigap Company | Plan G |
|---|---|
| ACE | $116.58 |
| Aflac | $121.34 |
| Allstate | $132.44 |
| UnitedHealthcare | $139.82 |
| Cigna | $144.51 |
| Aetna | $149.61 |
| Mutual of Omaha | $175.72 |
| Quotes are the average monthly rate for a 65 year-old female nonsmoker living in Mobile, AL (zip code 36525). | |
Premium analysis:
Allstate, ACE, and Aflac offer:
- 19% – 32% lower premiums in Dallas, Texas.
- 24% -34% lower premiums in Mobile, Alabama.
-
Remember:
While lower premiums are great, I encourage you to also consider financial stability, member reviews, and additional perks that suit your specific needs.
Best Plan G Companies
From my research and experience, I’ve found these to be the best Medicare Supplement Plan G providers:
#1. Allstate
Allstate isn’t just about auto and home insurance anymore; it’s quickly becoming a big player in the Medicare Supplement market. It offers all ten standardized Medigap plans, including Plan G.
- Our research shows some great perks with Allstate: on average, their premiums are 14% more affordable, members can receive up to 25% off in stackable discounts, and they have solid financial ratings. Their website is also very user-friendly.
- Allstate offers other benefits, such as access to the Active&Fit fitness program, guaranteed lifetime policy renewal, nationwide coverage with Medicare-accepting providers, a 30-day trial period, and no specialist referral requirement.
- Enrolling in Plan G with Allstate makes you eligible for a 10% bundle discount on a dental insurance policy.
Allstate’s Plan G is available nationwide, except in Connecticut, Hawaii, Massachusetts, Maine, New Hampshire, New York, Rhode Island, Vermont, and Washington.
#2. ACE
ACE is a relatively new provider in the Medicare Supplement market, so historical reviews might be hard to find. However, our analysis shows that ACE’s Medicare Supplement Plan G prices are very competitive compared to other companies.
- ACE offers guaranteed renewable Plan G policies in 36 states. Eligible household members receive a 7% discount, and there are no network restrictions.
- ACE has also been assigned an A.M. Best rating of A++, the highest possible rating, indicating a solid financial foundation.
ACE offers Plan G in these states: AL, AR, AZ, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MO, MS, MT, NE, NJ, NM, NV, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, VA, WV, WI, and WY.
#3. Aflac
Aflac is gearing up to take a leading role in the Medicare Supplement insurance world.
- They offer some great perks when you enroll in Plan G, like a household discount of up to 7% for those who qualify and an extra $2 off per month if you’re making EBT payments. They also have 24/7 customer service and claims support.
- All their Medicare Supplement plans are guaranteed renewable, so as long as you pay your premiums on time, your policy can’t be canceled.
- There are no network restrictions, so you can choose any doctor or healthcare provider that accepts Medicare patients. Claims processing is speedy, too, with most claims paid within a day.
- Aflac has an A+ (Superior) Financial Strength Rating from A.M. Best, showing they’re reliable for meeting insurance obligations. Aflac also holds an A+ rating from the Better Business Bureau (BBB), which means they’re great at handling customer concerns.
Aflac also offers dental, accident, critical illness, life, hospital, and short-term disability insurance.
#4. Cigna
We reviewed Cigna and found that while their pricing for Medigap Plan G isn’t always the most competitive, they remain a trusted healthcare provider and rank as the fourth largest in the market.
- With Cigna’s Plan G, you can qualify for up to 20% premium discounts, plus an extra 5% if you apply online. Including your spouse in the policy offers them the same discount throughout the policy duration.
- Cigna members can access a user-friendly online portal and a Healthy Rewards program, providing up to 25% discounts on health and wellness products and services. Additionally, Cigna offers dental, vision, or hearing coverage bundles starting as low as $32 monthly.
- Some customers have noted dissatisfaction with Cigna’s customer service, finding representatives unresponsive or difficult. However, Cigna has an “A” (Excellent) financial rating from A.M. Best.
Cigna offers Plan G in most states, and premiums typically range from $140 to $250 monthly.
#5. Florida Blue
Florida Blue offers a range of Medicare plans, including Medigap Plan G, specifically to Florida residents.
- Florida Blue has a solid reputation, and one of the standout features is that many plans come with valuable benefits, such as free annual wellness visits and discounts on fitness programs.
- Plus, Florida Blue’s extensive provider network allows you to choose from a wide range of doctors and specialists, giving you great flexibility.
- Members are generally satisfied, thanks to their comprehensive coverage and great customer support.
#6. UnitedHealthcare
UnitedHealthcare offers 9 of the 10 standardized Medigap plans, including Plan G, in all 50 states.
- Some perks include: virtual doctor visits, gym memberships, plus discounts on vision and hearing care.
- UHC partners with well-known pharmacies like Walgreens and offers mail-order prescriptions through OptumRx for thier Medicare Part D plans.
- Policy management is convenient and accessible via the website, phone, and mobile app.
- However, premiums can be significantly higher in certain regions.
UnitedHealthcare also provides standalone dental plans, starting at $20 per month.
#7. Mutual of Omaha
Mutual of Omaha provides Medicare Supplement insurance in most states, including Medigap Plan G.
- Forbes ranked Mutual of Omaha among the top 5 Medicare Supplement companies for 2024, and AM Best rated its financial strength as superior, highlighting its stability and strong market position.
- Key benefits include discounts on vision (EyeMed), hearing (Amplifon), and wellness (Mutually Well program).
- Company reviews are overall positive, but some members are unhappy with the annual rate increases.
Premiums for Plan G with Mutual of Omaha range from $150 – $200 monthly.
How to Enroll in Medigap Plan G
The best time to enroll in Medigap Plan G is when you first become eligible for Medicare.
Your Medigap Open Enrollment Period lasts for six months once you meet these conditions:
- You are 65 years old
- You enroll in Medicare Part B
Your Open Enrollment Period only happens once, so if you miss it, you aren’t guaranteed coverage; enrolling outside of this time frame means the insurance company may deny your application or charge higher premiums due to pre-existing health conditions.
Worst Medigap Plan G Companies
Based on my experience, I want to caution you about certain Medigap Plan G companies that I find unreliable and untrustworthy – I suggest avoiding them.
Banker’s Life
Banker’s Life’s door-to-door sales can feel like high-pressure tactics with agents pushing expensive options. Policyholders say they pay almost 50% more in premiums than with trusted providers and they have a very low Better Business Bureau rating.
Plus, you can’t even get an online quote—you have to fill out a form and wait for an agent to reach out.
United American Insurance Company
Many members enrolled with United American Insurance Company face unexpected premium increases, overpaying by nearly 40% compared to leading companies. Beneficiaries are frustrated because policies do not cover conditions as expected.
Policyholders also complain about struggling to reach support, making sense of policy details, and dealing with claims.
Medico
We’ve received many calls from Medico policyholders noticing they pay about 30% more than top companies. The BBB has also received complaints about Medico for unclear coverage details, a high rate of denied claims, and terrible customer service (if they can even be reached).
Bottom Line
When it comes to Medigap Plan G, Allstate, ACE, and Aflac are top picks if you’re considering monthly premiums, stability, and their track record in the Medicare market.
Although they might not have the lowest premiums, Cigna, UnitedHealthcare, and Mutual of Omaha are also trustworthy and stable Plan G providers.
I’d steer clear of companies like Banker’s Life, United American Insurance Company, and Medico.
It’s a good idea to work with a seasoned Medicare broker who can offer a range of options from different Plan G providers. We’re here to help if you need it!
Sources: Allstate | Aflac | Cigna | UnitedHealthcare | Mutual of Omaha
FAQs
- Who has the best Plan G Medicare Supplement?
- What is the average price of a Medicare Supplement Plan G?
- Is Medicare Plan G being discontinued?
