How to Choose a Medicare Supplement Carrier

How to Choose a Medicare Supplement Carrier

The first step in selecting a Medicare Supplement carrier is to enroll in Medicare Part A and B. Once you have done this, you need to decide which Medicare Supplements are best for you. If you do not have a Medicare Supplement plan, you have to pay out of pocket when you visit the doctor.

The next step is choosing a carrier. Some of the most popular carriers include:

  • Mutual of Omaha

    • A+ rated carrier, top of the line, competitive rate, gives discounts
  • Cigna Health and Life

    • Nationally known, competitive rates
  • United Health Care

    • Endorsed by AARP (American Association of Retired People). Biggest, most popular carrier, and also the most expensive
  • Blue Cross Blue Shield

    • Popular nation wide
  • Humana

    • Endorsed by Walmart

Cost is the only difference between carriers. Medicare Supplement is standardized, so a Plan F may range in price from carrier to carrier, but not coverage. You should always evaluate multiple carriers.

Contact an insurance agent who specializes in Medicare, to find a carrier that is cost effective and has the best coverage for you. It does not cost you anything to speak with an agent and for them to run quotes for you. The agent gets paid by the carrier once they sell a policy. To find an agent, call Empower Brokerage. Our agents are independent, they can compare different carriers at once using a software Empower Brokerage provides to them. Using this software, our agents can see side by side which carrier will best fit your needs.


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Article Updated: 04/04/2024.

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