Written by Gary Hu
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Key Takeaways
- Medigap Plan G remains one of the most comprehensive Medicare Supplement options.
- Top providers for 2026 include Mutual of Omaha, UnitedHealthcare, Cigna, BCBS, Aflac, and Aetna.
- Significant differences exist in pricing, complaint levels, and perks.
- Plan G benefits are standardized—your choice comes down to cost and service.
- Comparing rates by ZIP code is essential for getting the best value.
Overview: Why Plan G Still Dominates in 2026
If you’re looking for predictable out-of-pocket Medicare costs, Medicare Supplement Insurance Plan G, often referred to as Medigap Plan G, remains one of the most popular and robust choices. Standardized by Medicare.gov, Plan G offers the same medical benefits across all insurers. That means your decision comes down to price, complaint performance, rate stability, and member perks rather than coverage differences.
What Plan G covers: the Medicare Part A deductible; Part A coinsurance and up to 365 additional hospital days; Part B coinsurance or copayments; Part B excess charges; the first three pints of blood; Part A hospice cost-sharing; skilled nursing facility (SNF) coinsurance; and 80% of approved foreign travel emergency care (up to plan limits).
The Best Medigap Plan G Companies in 2026
| Carrier | Strengths | Pricing Tier | Perks |
|---|---|---|---|
| Mutual of Omaha | Best overall value | Mid | Wellness, vision/hearing |
| UnitedHealthcare | Best member experience | Mid | Digital tools, fitness |
| Cigna | Best discounts | Low–Mid | Wellness savings |
| BCBS | Trusted local presence | Mid | State-specific perks |
| Aflac | Lowest premiums | Low | Simple claims |
| Aetna | Best added benefits | High | Dental, Vision, Hearing + fitness |
Compare options HERE & start your health plan journey.
Mutual of Omaha – Best Overall Value
Mutual of Omaha consistently balances competitive pricing, strong financial strength, and low complaint levels.
Why It Stands Out
- Competitive mid-range premiums
- Household discounts in many states
- Low NAIC complaint levels
- Mutually Well® fitness and wellness benefits
- Vision and hearing discount programs
- Offers standard and high-deductible Plan G options
Ideal For:
People who want a dependable, well-established Medigap Plan G provider with competitive pricing and helpful wellness benefits.
Learn more in the Mutual of Omaha Medicare Supplement review.
UnitedHealthcare (AARP-branded) – Best for Member Experience
UnitedHealthcare is the largest Medigap insurer in the U.S. and is known for low complaint levels and top-tier digital tools.
Why It Stands Out
- Mid-range pricing
- Very low NAIC complaint levels
- Strong digital tools and online resources
- Fitness, hearing, and vision benefits in many states
- Robust member support and nurse-line access
Ideal For:
Beneficiaries seeking a stable, easy-to-use Medigap plan backed by strong digital tools and customer support.
See full details in the UnitedHealthcare Medicare Supplement review.
Cigna Healthcare – Best for Discounts
Cigna offers some of the strongest discount programs in the Medigap market.
Why It Stands Out
- Often among the lowest-cost Plan G carriers
- Household and auto-pay discounts (state-dependent)
- Average to below-average NAIC complaint levels
- Optional dental, vision, and hearing bundles
- Wellness savings programs
Ideal For:
Beneficiaries who want meaningful discounts and competitive premiums without sacrificing coverage quality.
Blue Cross Blue Shield (Local BCBS Plans) – Best for Local Trust
BCBS companies operate independently, and many report extremely low complaint levels and strong member satisfaction.
Why It Stands Out
- Trusted state-based presence
- Frequently mid-range pricing
- Low NAIC complaint levels in many BCBS plans
- State-specific wellness and chronic-care programs
- Rate-stability features available in certain states
Ideal For:
Medicare beneficiaries who prefer a trusted local insurer with strong Medigap satisfaction and service reputation.
Read your plan’s details in our BCBS Medicare Supplement review.
Aflac – Best Low-Cost Plan G Option
Aflac appeals to beneficiaries looking for the lowest possible monthly premium.
Why It Stands Out
- Frequently among the lowest Plan G rates
- Household discounts in select markets
- Simple digital experience and claims tools
- Complaint levels vary—check NAIC data for your state
Ideal For:
Shoppers who prioritize the lowest premium and don’t need a long list of added perks.
Aetna – Best for Added Benefits
Aetna offers wellness-focused features and optional bundles that appeal to beneficiaries seeking more than just medical coverage.
Why It Stands Out
- Fitness benefits in many states (e.g., SilverSneakers®)
- Optional dental, vision, and hearing bundles
- Higher NAIC complaint levels in some years
- Often priced higher than comparable carriers
Ideal For:
Beneficiaries who value extra wellness and DVH add-ons and are comfortable paying more for added benefits.
Read more in the Aetna Medicare Supplement review.
Compare options HERE & start your health plan journey.
How to Choose the Best Medigap Plan G Company
Even though Medicare Supplement Plan G benefits are identical across insurers, rates and experience vary.
Key Factors to Compare
- Local pricing
- NAIC complaint index
- Discount availability
- Rate-change history
- Extra benefits and wellness perks
Several states now offer a Medigap birthday rule with 30–63 day windows. These consumer protections allow Medicare beneficiaries to switch Medigap plans without underwriting, typically once a year around their birthday.
Frequently Asked Questions
Is Medigap Plan G the same across all companies?
Yes. CMS standardizes Medigap benefits. Only pricing, extras, and service quality differ.
Does Plan G cover prescription drugs?
No. You’ll need Medicare Part D for drug coverage.
Is Plan G better than Plan N?
Plan G offers fewer out-of-pocket costs, while Plan N may have lower premiums but includes copays.
MethodologyÂ
This analysis evaluates major national Medigap carriers that offer standardized Medicare Supplement Plan G. The evaluation incorporates:
A. Premium Structures (Typical Market Patterns)
- Based on publicly available Medigap rate filings, carrier rate guides, and common pricing patterns.
- Important: Actual premiums vary by state, ZIP code, age, gender, tobacco status, rating method, and underwriting rules.
B. Complaint & Performance Data
- Complaint levels rely on the National Association of Insurance Commissioners Complaint Index, where:
- 1.0 = industry average
- Below 1.0 = fewer complaints than expected
- Above 1.0 = more complaints than expected
C. Carrier-Provided Benefits & Added Value
- Information from official carrier websites is used to determine perks such as wellness programs, fitness benefits, household discounts, and optional add-ons.
D. Plan Availability
- Medigap benefits are standardized by CMS.gov, but actual plan availability varies by state and carrier.
Bottom Line: Choose the Plan G Carrier That Fits Your Needs
Medicare Supplement Plan G continues to offer excellent protection for those seeking predictable, comprehensive coverage. Whether you value low premiums, wellness perks, or excellent customer satisfaction, there’s a Plan G carrier that meets your needs.
Many beneficiaries begin by reviewing broad market rankings like the best medicare supplement insurance companies list, then explore which carriers offer the best overall value for Plan G specifically.
Use our parent company, Healthcare.com, to compare plans online or consult a licensed Medicare agent to review Plan G options in your ZIP code and choose the best Medigap provider for your budget and healthcare needs.
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