The original form of Medicare is certainly excellent, yet it has its forms of coverage gaps, including deductibles, copays, and coinsurance. This is where Medicare Supplement plans (such as Medigap plans) come in to save the day. Medigap plans help you avoid any and all surprises with out-of-pocket costs and offer an improved peace of mind knowing you’re covered.
Here at The Lambert Agency, we assist in helping our valued clients compare options and choose the best plans for their specific healthcare needs and overall budgets. Let’s explore the top five Medicare Supplement plans for 2025 and what makes each of them stand out as top contenders
1. AARP/UnitedHealthcare: Best Choice as an Overall Provider
This Medicare Supplement plan has been rated best overall by NerdWallet. AARP/UnitedHealthcare offers a wide range of Medigap plans, from A through N, with generally low levels of customer complaints paired with a competent customer service team. These plans are widely available and will often include wellness extras such as dedicated fitness programs.
Why AARP/UnitedHealthcare stands out:
- Fully comprehensive coverage options
- Overall excellent customer satisfaction
- Nationwide availability within all 50 states
2. Mutual of Omaha: Best Choice for Premium Discounts
Mutual of Omaha is known for their competitive pricing and generous member perks. Additionally, Mutual of Omaha is often recognized for offering premium discounts and an overall great value for what you pay for.
Why Mutual of Omaha stands out:
- Frequent discounts (e.g., for households, auto-pay, etc…)
- Very strong reputation for manageable pricing
3. State Farm: Best Choice for Member Satisfaction
State Farm offers quality customer service and care. If this matters to you first and foremost, State Farm has ranked highest for overall member satisfaction in 2025 and is likely the ideal choice for your Medigap coverage needs. State Farm’s plans cover popular choices such as A, C, F, G, and N, providing you with the right level of flexibility and customer care to live your best life yet this year.
Why State Farm stands out:
- Personalized, local support
- Strong customer satisfaction ratings
4. Anthem: Best Choice for Extra Benefits
Anthem truly stands out in 2025 for adding a bevy of extra benefits to their Medigap plans, including various wellness programs and a variety of online healthcare services. This is especially true with their Plan G and Plan N options.
Why it stands out:
- Additional perks such as telehealth, fitness, and discounted services
- Enhanced value beyond their typical coverage levels
5. Wellabe: Best Choice for Lowest Premiums
If finding the most affordable costs is your primary focus, Wellabe generally offers Medigap policies with very low premiums, while still maintaining solid coverage for 2025.
Why Wellabe stands out:
- Affordable pricing
- Options for budget-conscious beneficiaries
Understanding the Most Popular Medigap Plans
While insurers may vary, the most commonly chosen Medigap plans for 2025 remain Plan F (where available), Plan G, and Plan N.
- Plan F: Offers full coverage, including the Part B deductible, yet only available if you’re eligible before 2020
- Plan G: Best alternative for new enrollees post-2020, and it covers nearly everything aside from the Part B deductible
- Plan N: Offers lower premiums with modest copays for doctor and ER visits, typically around $20 and $50 respectively
How to Choose the Right Plan with The Lambert Agency
When selecting a Medicare Supplement plan, you’ll want to consider the following:
- Your overall healthcare needs & budget mapped out
- Specific plan availability in your surrounding area
- General provider satisfaction ratings & customer service record
- How many optional wellness perks or premium discounts they offer
Here at The Lambert Agency, we’re able to help you navigate these various factors, compare and contrast various quotes from the top insurers mentioned in this post, and help you enroll during the optimal enrollment window which is typically your six-month Medigap open enrollment period, where underwriting cannot be denied based on health.
To Summarize…
For year 2025, based on overall value, support, and affordability, the top Medicare Supplement providers include the following:
- AARP / UnitedHealthcare: Best overall plan to choose
- Mutual of Omaha: Best premium discounts offered
- State Farm: Best for overall customer service
- Anthem: Best extra benefits available
- Wellabe: Best for low-cost, budget-minded individuals
Among these specific plan types, Plan G and Plan N are the most widely and highly recommended choices, especially for those who became Medicare-eligible after 2020
Need Help Finding the Best Medigap Plan?
When you choose to work with The Lambert Agency, you’re choosing an agency to be your guide when searching for the best Medigap plans available in 2025. We’ll help you truly understand the various options presented, gather personalized quotes catered to your specific wants and needs, and ensure your Medigap plan aligns with your overall coverage goals and underlying budget. We look forward to working with you soon!