Medicare insurance policies help cover the cost of healthcare procedures and treatments and save individuals from spending a lot of money out of pocket. Unfortunately, the policies provide limited coverage. To bridge this gap, people can sign up for Medicare Supplement nsurance or Medigap plans. Supplemental Medicare insurances help cover the costs not covered by the original insurance. These plans are often sold by private companies, and selecting the right one requires thorough research.

Top Medicare Supplement insurance companies

AARP

The American Association for Retired Persons is a group that strives to serve the senior citizens of the country. Founded in 1958, the AARP offers numerous services and programs that cater to seniors and their healthcare needs. Although not an insurance company, the organization frequently teams up with insurance providers to make insurance and Medicare supplements affordable for the elderly. To avail supplement Medicare insurance, AARP has teamed up with United Healthcare, a renowned insurance company.

The AARP and United Healthcare plans include A, B, C, F, G, L, K, L, and N. However, customers might not have all the options since the availability of plans varies depending on the state. Customers need to enter their ZIP codes on the website to know an estimate for their desired Medicare supplement insurance. Note that the estimates on the website are based on the assumption that the individual does not use tobacco and is turning 65. For a better overview, customers can get in touch with an insurance agent via the phone and have a detailed analysis explained to them.

Additionally, people opting for the AARP Medicare Supplement insurance need to be members of the organization to qualify for coverage. The membership comes at an annual cost of about $12. Its benefits will include discounted car rentals, hotels, movie tickets, and more.

Customers can expect to receive additional sign-up discounts along with the company’s community-based pricing model. The discounts are higher for members as their age increases. If there is more than one person enrolled with AARP, the other members might also be offered a household discount. Again, the discount rates and availability might differ based on the state of residence.

Humana

One of the most trusted insurance providers in the country, Humana was established in 1961. The insurance company has received numerous recognitions from institutes such as The American Heart Association, The National Business Group on Health, and the Military Times. It is among the largest insurance provider companies in the country and is known for its customer service and quality products. The Better Business Bureau has accredited Humana with an A+ rating. Aside from medicare plans, the company also offers medicare supplemental insurance and Medicare Part D coverage. Customers that choose Humana to buy their Medicare Supplement insurance plans are also privy to the company’s member perks without spending any extra money. Benefits could include discounts on glasses, eye checkups, dental issues and more.

Humana provides coverage all across the nation where Medicare Supplement plans are available and offers supplement Medicare insurance plans A,B,G,K,L, and N as well as Plans C, F, and High Deductible F. Their online tool lets customers review the availability of plans in the states that they live in, and allow them to compare these plans. Seniors that are looking forward to buying their plans from Humana can either get in touch with an agent on call or go online to do so. The company’s website is easy to navigate for people across age groups, and most importantly, it does not ask for any personal details to check quotes. If there is any confusion between supplement Medicare insurance plans and Medicare Advantage, Humana has a wonderful tool that allows the comparison of plans. Customers can also check the pricing of their desired plans. All that is needed is their date of birth, gender, and an estimated date for the start of their coverage.

Cigna

Cigna’s customer database has crossed over 95 million people. If you are looking for an industry leader to get your Medicare Supplement insurance, this might just be the right choice for you. One of the key features of this company is its competitive rates that do not compromise on the service quality. Cigna is also one of the top choices for people with preexisting conditions and those applying for a Medicare Supplement plan outside of the Medigap Open Enrollment Period.

The plans offered include A, F, HD-F, G, and N. However, the availability of plans differs according to the state the customers are based in. Depending on the location, customers can avail of the plan and its benefits from any of Cigna’s subsidiary companies. To compare, know about the plans, and understand the benefits of each, customers can either call an agent or go on to the company’s website for details.

Additionally, Cigna’s Medicare and Medicare Supplement insurance policies do not restrict customers to in-network doctors. This leaves insured individuals, especially seniors, with a wide range of healthcare practitioners they can consult. Customers also get access to benefits like massage therapy, wellness products, and Cigna Healthy Rewards®.