Best Overall Medicare Insurance Company (2026)
To find the best overall Medicare insurance company, you must consider your budget and how much you are willing to pay for deductibles and co-pays. Some of the best Medicare insurance companies include Aetna, Cigna, and Anthem Blue Cross. Researching and shopping around is a must as some companies only offer Medicare Supplement plans.
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Adam Lubenow
Medicare Broker
Adam Lubenow is a partner in his family business, Senior Advisor, which specializes in bringing clarity to the Medicare enrollment process and coverage options to ensure that clients are making informed decisions. Senior Advisors is licensed to help clients in over 40 states and has offices in Arizona and New Jersey. Prior to joining the family business, Adam spent his career with Verizon Busin...
Medicare Broker
UPDATED: Jan 28, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jan 28, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Shopping for Medicare coverage can be complicated. Whether you are seeking Medicare Advantage, need to get Part D prescription coverage, or want a supplemental policy to fill the gaps, there is an incredible number of options to choose from.
Finding the best Medicare company means looking for those that understand the needs of seniors and provide options that are both comprehensive and easy to understand. The best insurance companies also offer a great reputation and affordable Medicare rates.
If you are looking to buy Medicare insurance, whether it’s an Advantage plan or you are looking to buy Medicare Supplement, comparing rates is vital. Enter your ZIP code now to compare Medicare quotes from the top companies.
The Basics of Medicare: Original, Advantage, and Supplement
While Medicare coverage is technically provided by the government, private companies assist with administering plans, and also offer their own plans. Additionally, some companies offer Medicare Supplement or Medigap coverage.
Original Medicare is the plan offered by the government. Private companies may add more coverage to the basics.
Plans that provide the coverage of Medicare Parts A & B in one, with Part D sometimes included as well, are called Medicare Advantage. These plans are referred to as Part C and provide an array of added benefits on top of the standard Medicare coverage, such as fitness memberships.
Some plans have no additional premium on top of the Medicare premium you already pay, while others do have an extra premium in return for more coverage options.
Parts A & B provide your medical, hospital, and hospice coverage. Part D is your prescription drug coverage – some Advantage plans include this, while it’s an optional add-on with other plans, it can also be purchased separately. Part D is an important coverage to have if you have to purchase some of the most expensive Medicare drugs.
Original Medicare does pay for COVID-19 testing and treatment.
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What is Medicare Supplement? It is an optional policy that you can purchase to fill in some of the gaps left by your overall policy. These include paying coinsurance and deductible amounts and providing coverage for emergency care abroad. Supplement plans are standardized, with most states following a letter-coded system; while many companies may offer the plans, the actual coverage does not vary.
In Massachusetts, Minnesota, and Wisconsin, the lettered plan system is not used, but plans are still standardized.
Some companies offer just Medicare Advantage or only Supplement, while others offer a full range of products.
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The Parts of Medicare Coverage
Medicare coverage can be complex on the surface – with all the “parts” and optional coverage it can be difficult to figure out what you already have and what you need. First, we will break down the parts.
Part A is the coverage for hospital care, hospice care, skilled nursing, as well as some home care services. This is the coverage that will kick in if you are hospitalized or need ongoing care either in your home or in a facility. (For more information, read our “Best Memory Care Facilities That Will Accept Medicare“)
Part B covers things like doctor’s visits both preventative and for illness or injury, outpatient care, tests including x-rays and lab work, emergency room, and home care not covered by Part A.
Part C is Medicare Advantage. This is a private company plan that provides all of the coverage of Parts A and B along with some additional services. These plans vary by company, and most companies offer more than one plan as well. These plans may include dental and vision as standard or as an add-on as well.
Part D is prescription drug coverage. These plans can be purchased to tack on to your Original Medicare plan, can be added on to a Part C Medicare Advantage plan, or may be included as part of the Advantage package. Deductibles and copays on these plans vary greatly.
Your Medicare premium pays for Part B (Part A has no cost in most cases); this is known as Original Medicare. When you select a Part C plan, you continue to pay that premium. There may or may not be an additional premium for the Part C plan, depending on which option you select.
A PPO plan, for example, that gives you access to a wider network of providers, usually costs more than an HMO plan. Even $0 Medicare Advantage plans usually offer some benefits above and beyond the basic Plan A & B coverage.
Creating a Medicare plan that is right for you involves selecting the coverage you want and combining it in a way that works for you. If you choose a Medicare Advantage policy, you will find it is a lot like shopping for individual insurance. Provider networks, copays, deductibles, and out-of-pocket limits will vary – as will the premium.
Our Process for Choosing the Best Medicare Companies
There are a lot of Medicare companies out there, but they are not all created equal. In order to choose the best Medicare options overall, we started by removing any company that does not offer all three of the Medicare coverage choices; Advantage, Part D, and Supplement. To be in our top three overall the company has to be a one-stop-shop.
We also looked for companies that offer good plan choices without becoming overly complicated. Having several plans to choose from is great; getting lost in a sea of options can make shopping even more difficult.
As always, our top picks have a good reputation for customer service and reasonable rates that offer good value to their customers. We took into consideration the government’s Medicare plan ratings, the National Committee for Quality Assurance (NCQA) ratings, and our own research to determine value.
Medicare plans vary from state to state. We tried to choose companies that offer coverage in as wide an area as possible, but these picks may not be available everywhere.
Our Top Medicare Company Recommendations
These three companies provide every option under one roof and do it with great service and great plans.
Aetna Medicare
The third-largest health insurance provider in the nation, Aetna is expanded its reach with the recent merger with CVS pharmacies. They have a full range of Medicare products, including both PPO and HMO Medicare Advantage options. The plans are easy to understand and easy to select.
Aetna is rated very well by the NCQA, and although they do have room for improvement in their government rating they perform well overall. With a large network and solid plans, they’re a good choice for all your Medicare needs. (For more information, read our “Aetna Insurance Review & Complaints: Medicare“).
Cigna Medicare
Covering most of the country through state branches and partnerships with local networks, Cigna has a plan for most people. They offer two options for a $0 additional premium Advantage plan in our sample state, as well as a host of other options. They also have a very comprehensive list of Supplement plan offerings.
Our rate tests show that Cigna has a range of prices on their products, which means that regardless of your budget, they can likely help. They also have a good reputation for a company of this size.
Read more: Cigna Medicare Insurance Review & Complaints: Health Insurance
Anthem Blue Cross Medicare
Doing business in a large number of states under varying Blue Cross Blue Shield names, Anthem is a large insurance company with a lot of plan options. Their Medicare Advantage plans offer solid value for the dollar, and they make it simple to get a quote.
Both HMO and PPO plans are available, and there is a good selection of supplement options as well — Anthem is a good pick for those who want more to choose from without getting overly complex.
Are you looking for free insurance quotes?
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Shopping for Medicare Advantage
Before you start shopping for Medicare coverage, it is important to decide what coverage is most important to you and what your budget is for monthly premiums. If you have decided you would like to go with an Advantage plan rather than Original Medicare, you can start the next step. You may also have to consider special health needs, such as finding the best Medicare diabetic supply company.
The next thing to decide in order to narrow things down is what sort of network you prefer. If you want access to the most providers, you should shop PPO plans, but if you are ok with a limited network in return for lower premiums, HMOs are the way to go. Your budget will have a bearing on that decision as well.
Most insurance companies allow access to a provider search where you can determine if your current doctors are in-network for the plans you are considering. You should also do a search on any regular medications you take to find out what coverage is offered on a Part D plan you are considering, whether part of your Advantage plan or separately.
Once you have the basics down, be sure to compare Part C plans on what extras they offer for the added premium. Is dental included? Vision? What about hearing coverage? Look for added coverage and benefits as well as comparing copays, deductibles, and premiums.
Shopping for Medicare Supplement
Medicare Supplement insurance may be a little easier to shop for since the plans are standard. Take a look at the chart below that outlines all of the plans, what they cover, and what they do not.
Medicare Supplement Plan Comparison
| Coverage | Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Part B coinsurance or copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Blood (first 3 pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A hospice care coinsurance or copayment | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled nursing facility care coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Part B deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Part B excess charge | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign travel exchange (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
| Out-of-pocket limit in 2020 | N/A | N/A | N/A | N/A | N/A | N/A | $5,880 | $2,940 | N/A | N/A |
These plans are available in most states, although Massachusetts, Minnesota, and Wisconsin use a different set of standard plans. Both Plan F and G have high deductible options as well.
Bear in mind, if you are looking for the best Medicare Plan F company, that new rules mean you may not qualify for Plan F. It is not available to those that were newly eligible for Medicare as of January 2020.
The most important things to consider with Medicare Supplement are the company’s reputation and how much out-of-pocket cost you are willing to take on versus monthly payments for coverage. If you aren’t worried about co-pays and deductibles, you may not need a Supplement plan at all.
What is the best insurance company for Medicare?
Choosing your Medicare coverage can be confusing; there are a lot of options out there. Break it down into its pieces and choose what you really want out of your coverage before you start shopping – from there you can find the policy that provides the best value for your money while giving you the coverage you need most. Our list of the best Medicare companies is a great place to start.
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Before you choose a Medicare company, compare your options. Enter your ZIP code now to compare Medicare rates from the best companies.
Frequently Asked Questions
What is Medicare insurance?
Medicare insurance is a federal program that provides health insurance for people aged 65 and older, people with certain disabilities, and people with end-stage renal disease. Medicare insurance is divided into several parts, including Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage).
How can I choose the best overall Medicare insurance company?
To choose the best overall Medicare insurance company, you should consider factors such as the company’s reputation, customer service, coverage options, costs, and provider networks. You can compare different Medicare insurance companies and plans using the Medicare Plan Finder tool on the Medicare website.
What are some of the top Medicare insurance companies?
Some of the top Medicare insurance companies include UnitedHealthcare, Humana, Blue Cross Blue Shield, Aetna, and Cigna. However, the best Medicare insurance company for you will depend on your individual needs and preferences.
What is Medicare Advantage?
Medicare Advantage is a type of Medicare insurance that is offered by private insurance companies. Medicare Advantage plans must cover all the services that Original Medicare covers (Part A and Part B), but many also offer additional benefits, such as prescription drug coverage, dental and vision care, and fitness programs.
How do I enroll in Medicare?
You can enroll in Medicare during the initial enrollment period, which is a seven-month period that begins three months before your 65th birthday and ends three months after your 65th birthday. You can also enroll in Medicare during the annual open enrollment period, which is from October 15 to December 7 each year.
Can I switch Medicare insurance companies?
Yes, you can switch Medicare insurance companies during the annual open enrollment period, which is from October 15 to December 7 each year. You can also switch Medicare Advantage plans or switch from a Medicare Advantage plan to Original Medicare during the annual open enrollment period.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Adam Lubenow
Medicare Broker
Adam Lubenow is a partner in his family business, Senior Advisor, which specializes in bringing clarity to the Medicare enrollment process and coverage options to ensure that clients are making informed decisions. Senior Advisors is licensed to help clients in over 40 states and has offices in Arizona and New Jersey. Prior to joining the family business, Adam spent his career with Verizon Busin...
Medicare Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.