Best Medicare Supplement Plans for Diabetes

Offering Medigap plans in 49 states, as well as D.C. and Puerto Rico, Humana boasts one of the largest coverage ranges of any provider. No matter which Medigap plan you choose, you can expect stellar customer service, as well as some extra benefits that go beyond the coverage of your policy.

Every Humana Medigap policy comes with discounts on prescription medications, hearing health, vision health, and fitness club memberships. Humana also provides policyholders with a 24-hour nurse hotline, wherein a registered nurse can answer healthcare queries.

In terms of cost, Humana tends to be slightly pricier than some of the other providers on this list. A 70-year-old nonsmoking woman in Arizona could expect to pay about $165 in monthly premiums for Plan C and $174 per month for Plan F.

To learn more about this provider, read our full rundown of Humana Medicare Supplement plans.

UnitedHealthcare is the largest health-care provider in the country, with more than 50 years of experience. They have a large network and offer transparent pricing and solid Medigap plans. Adults may sign up for UnitedHealthcare if they are 65 or older and enrolled in Medicare Parts A and B. Pricing and plans will vary depending on where you live. Luckily, it’s easy to find a quote and apply for a plan online by entering your zip code, date of birth, and other information.

A 70-year-old nonsmoking woman would pay $155.52 for Plan C Medigap insurance in Phoenix, Arizona. For this same woman, a Medigap Plan F would cost $169.17 per month.

Aetna is one of the oldest and most reputable insurance companies in the country, and they provide a comprehensive range of Medigap plans. One thing I really like about Aetna is there are no network restrictions, so you can see any doctor you’d like. Additionally, coverage stays the same if you end up moving.

What’s more, with Aetna’s Diabetes Management Plus, policyholders can receive test strips delivered right to their homes. Additionally, users can track their glucometer readings directly from their proprietary smartphone app.

Depending on where you live, you can see quotes on their website. A 70-year-old nonsmoking woman in Phoenix would pay $151.36 for Plan F coverage, while a Plan C would cost $139.10. However, online pricing with Aetna is not available for every state, so you might want to call to get a quote as well.

Anthem is a part of Blue Cross Blue Shield. One thing I love about Anthem is that some of their plans offer vision and dental, so it covers more gaps than just Medicare. They also have wellness-specific benefits like discounts on gym memberships. Unfortunately, Anthem is only available in certain states, and their range of plans is somewhat limited when compared to the other providers on this list.

Where Anthem really shines is with their smartphone app. Using this program, you can easily keep track of your policy, view your benefits, and manage your coverage overall. I was particularly impressed by the ease with which I was able to file claims right from my smartphone.

With Anthem, the average cost for a 70-year-old woman in Nevada for Plan F is $290.68 per month.

Cigna started in the 1970s and now serves over 30 countries around the world. They offer a higher deductible plan for those looking for lower premiums, and they offer discounts if customers sign up online or if more than one person in a household enrolls in a plan. Cigna also offers diabetes-specific plans to save on diabetes supplies, equipment, and doctors’ appointments.

Additionally, while they’re technically not part of Cigna’s Medigap coverage, Cigna also offers Diabetes Care Plans,which is an innovative way to help people with diabetes stay on track of their health. These plans come with $0 in out-of-pocket costs for supplies like insulin pumps, blood glucose monitors, and infusion devices.

To find a Medigap plan from Cigna, you’ll want to start by looking at their website. Here, you’ll be able to view their range of plans and even obtain a free quote.

A 66-year-old woman in Texas would pay $150 per month for Medigap Plan F.

Mutual of Omaha has been in business for over 100 years. You can choose any doctor or hospital you would like, and if you’re a globetrotter, your coverage follows you around the world. Mutual of Omaha also pays 98 percent of Medicare claims within 12 hours.

Since they’ve been offering Medicare supplemental insurance for over 50 years, this experience shows in their customer service. Give them a call to obtain a free quote on a Medigap policy, and you’ll see how polite and knowledgeable their staff is.

A 70-year-old woman in Arizona would pay $147 per month for Plan F coverage.