Medicare Supplement Carrier
Comparison 2025
We compared the top 8 Medicare Supplement carriers on price, rate stability, financial strength, and customer service. Here's what we found - and our honest verdict on each one.
Quick Comparison: Top 8 Carriers
Sample rates shown are for a 65-year-old female non-smoker. Your actual rate depends on your age, gender, location, and health history.
| Carrier | AM Best | Plan G Rate | Plan N Rate | Rating | Best For |
|---|---|---|---|---|---|
Mutual of Omaha Top Pick | A+ | $142-$178/mo | $118-$148/mo | 4.8 | Best overall value |
Aetna | A | $138-$172/mo | $112-$142/mo | 4.7 | Lowest initial rates |
Cigna | A | $145-$182/mo | $119-$152/mo | 4.6 | Long-term rate stability |
United American | A | $139-$168/mo | $113-$139/mo | 4.5 | Rural areas |
Transamerica | A | $141-$175/mo | $115-$145/mo | 4.4 | Value seekers |
Humana | A- | $148-$188/mo | $122-$158/mo | 4.3 | Medicare Advantage alternative |
AARP/UnitedHealthcare | A | $155-$198/mo | $128-$165/mo | 4.2 | Community-rated states |
Physicians Mutual | A+ | $144-$179/mo | $118-$149/mo | 4.5 | Dental coverage bundlers |
Rates are sample ranges for illustrative purposes. Call (877) PATRIOT for your exact rate.
Detailed Carrier Reviews
Mutual of Omaha
Pros
- Competitive Plan G rates
- Household discount (7% for two)
- A+ AM Best rating
- Online enrollment available
Cons
- Attained-age rating in most states
- Rates vary significantly by state
Our Verdict
Mutual of Omaha is consistently one of the most competitive carriers for Plan G. Their household discount makes them especially attractive for couples. Highly recommended.
Aetna
Pros
- Frequently the lowest Plan G rate
- A AM Best rating
- Nationwide availability
- Simple enrollment process
Cons
- Rate increases can be aggressive
- No household discount in most states
Our Verdict
Aetna frequently offers the lowest initial Plan G rates. Watch their rate increase history in your state before committing - they can be aggressive in some markets.
Cigna
Pros
- Historically stable rate increases
- Excellent customer service ratings
- Optional dental/vision bundles
- A AM Best rating
Cons
- Not always the lowest initial rate
- Limited in some rural areas
Our Verdict
Cigna's rate increase history is one of the most stable in the industry. If you're looking for predictability over the lowest initial rate, Cigna is a strong choice.
United American
Pros
- Strong rural market presence
- Competitive rates
- A AM Best rating
- Agent-focused service model
Cons
- Less name recognition
- Online tools less developed
Our Verdict
United American is a strong choice in rural markets where larger carriers have limited presence. Competitive rates and solid financial strength.
Transamerica
Pros
- Competitive pricing
- Strong parent company (Aegon)
- Multiple plan letter options
- A AM Best rating
Cons
- Rate increases vary by state
- Customer service can be inconsistent
Our Verdict
Transamerica offers competitive rates and solid financial backing. Their rate increase history is mixed - compare carefully in your state.
Humana
Pros
- Strong brand and customer recognition
- Dental/vision add-ons available
- Large provider network
- A- AM Best rating
Cons
- Not always the most competitive Medigap rates
- Better known for Medicare Advantage
Our Verdict
Humana is better known for Medicare Advantage than Medicare Supplement. Their Medigap rates are competitive but rarely the lowest. Consider them if you want add-on benefits.
AARP/UnitedHealthcare
Pros
- Community-rated pricing in select states
- AARP brand trust
- A AM Best rating
- Nationwide availability
Cons
- Often not the most competitive rates
- AARP membership required ($16/year)
- Rates can be high in attained-age states
Our Verdict
AARP/UnitedHealthcare has strong brand recognition but is rarely the most competitive option on price. Their community-rated states are the exception - check if your state qualifies.
Physicians Mutual
Pros
- A+ AM Best rating
- Dental coverage included with some plans
- Excellent customer service
- Long track record
Cons
- Not available in all states
- Slightly higher rates than some competitors
Our Verdict
Physicians Mutual is a premium carrier with an A+ AM Best rating and excellent customer service. Their dental inclusion makes them unique. Rates are slightly higher but the value is strong.
Frequently Asked Questions
Which Medicare Supplement carrier has the lowest rates?
Aetna and Mutual of Omaha frequently offer the lowest Plan G rates, but rates vary significantly by state, age, and gender. The only way to know the lowest rate in your area is to compare all carriers - which is exactly what Patriot Plans does for free.
Does it matter which carrier I choose if the plans are standardized?
Yes, for two reasons: price and rate increase history. All Plan G policies cover the same benefits, but the premium can vary by $50-$100/month for the same coverage. Rate increase history also varies - some carriers raise rates aggressively, others are more stable.
Can I switch Medicare Supplement carriers?
Yes, but you may be subject to medical underwriting outside of your Open Enrollment Window. If you're in good health, switching is often straightforward. If you have health conditions, you may be denied or charged more. Call us before switching - we'll tell you if it makes sense.
What does AM Best rating mean?
AM Best is the leading insurance company rating agency. An A+ rating means the company has a superior ability to meet its financial obligations. An A rating means excellent. We only recommend carriers with A- or better ratings.
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