Supplemental medical insurance is a must have for seniors facing the inevitable medical costs that come with age. Supplemental medical insurance is necessary to cover the costs of medical care that Original Medicare will not cover. While Original Medical Care which is made up of Medicare Part A and B that covers hospital care, outpatient care and medical supplies, there is still much that is not covered. The best supplemental plans cover costs such as copayments, deductibles, medical costs while traveling abroad, hospice care, and much more. However, there are still a few things that it will not cover including vision and dental, nor will it cover hearing aids. If you have Original Medicare and are looking for a supplemental medical insurance plan, the top supplemental medical insurance companies may be able to help. Read on to learn more about the top 4 supplemental medical insurance for seniors.

Top 4 Medicare Supplemental Insurance Plans

  • AARP Medicare Supplement Plans
  • State Farm
  • Humana
  • Cigna

AARP Medicare Supplement Plans

AARP Medicare Supplement Plans from the UnitedHealthcare Insurance Company provide comprehensive supplemental insurance for AARP members. Already millions of AARP members benefit from AARP Medicare Supplemental Plans with a great deal of satisfaction. Thanks to these plans AARP members can choose their own doctors and keep their existing doctors. Best of all, AARP Medicare Supplemental Plans will cover expenses that are not covered by Original Medicare. It also allows you top see a specialist without the need for a referral, which can save AARP members a lot of valuable time, and get them necessary treatment a lot faster. The costs of these plans may vary by zip code, but many of them will cost less than $200 per month.


  • For AARP members
  • Choose your own doctors
  • Less than $200 per plan

State Farm

State Farm Medicare Supplemental insurance Plans offer another quality option for seniors. Like AARP Medicare Supplemental Plans, State Farm Medicare Supplemental insurance will also pay the medical care expenses that are not covered by Original Medicare. Plans are available for those age 65 or older who have Original Medicare. It is important to note however, that supplemental insurance only covers the individual paying for it, not even their spouse. State Farm plans are available across the country. You can get a free quote online that will vary by your location.


  • Pays expenses not covered by Medicare
  • Does not cover spouse
  • Available across the country


Humana also offers Medicare supplemental insurance for seniors. Humana Medicare Supplemental Insurance plans will help seniors reduce out of pocket costs with moderate premiums from Original Medicare as well as parts C, F, and G.  With supplemental insurance plans K, L, and N you’ll have lower premiums and may even be subject to limits when it comes to out of pocket costs. All in all, Humana prides itself in not just being an insurance company but a partner in health.


  • Moderate premiums
  • Lower out of pocket costs
  • Offers a variety of plans


Cigna Medicare Supplemental Insurance Plans offer some of the most competitive rates on the market, ensuring you’ll get the best possible price. With Cigna’s insurance you’ll get to choose any doctor that accepts Medicare and will be guaranteed renewal, no matter your health situation. Cigna’s insurance will pay the 20% that Medicare will not pay for outpatient visits to the doctor. It will also provide coverage when traveling outside the US and will cover unexpected out of pocket costs. Online interested customers can get a free quote online or by calling.


  • Get a free quote
  • Guaranteed renewal
  • Pays 20% 0f Medicare Part B costs


While Medicare covers quite a bit, it doesn’t cover everything. Medicare supplemental insurance will cover the costs that Medicare will not including most out of pocket costs. Don’t allow yourself to get stuck with a hefty, unexpected medical bill just because Medicare won’t pay it all. Allow Medicare supplemental insurance to help you deal with the medical costs you can’t afford.