Consumer Reports Best Medicare Supplemental Insurance for 2022
Welcome to our comprehensive guide on the best Medicare supplemental insurance plans for 2022, as recommended by Consumer Reports. Medicare supplemental insurance, also known as Medigap, helps cover additional healthcare costs that are not covered by Original Medicare. Choosing the right plan can be overwhelming, but Consumer Reports has done the research to bring you the top options for the upcoming year. Let’s dive in!
Highly Rated Plan with Extensive Coverage
UnitedHealthcare offers several Medicare supplemental insurance plans that cater to different needs and budgets. Their plans provide extensive coverage for healthcare costs such as copayments, deductibles, and coinsurance. Additionally, UnitedHealthcare offers a wide network of healthcare providers, ensuring you have access to quality care wherever you are.
Competitive Pricing and Added Perks
Humana is another top-rated insurer offering a range of Medicare supplemental insurance plans. What sets Humana apart is their competitive pricing and added perks. Some plans may include benefits like vision and dental coverage, gym memberships, and even access to wellness programs. With Humana, you can enhance your healthcare coverage while enjoying extra perks to support your overall well-being.
Flexible Plan Options and 24/7 Customer Support
Cigna is known for its flexible plan options, allowing you to tailor your coverage to fit your specific healthcare needs. They offer a variety of Medigap plans, each providing different levels of coverage to suit your preferences and budget. Cigna also has a dedicated customer support team available 24/7 to address any concerns or questions you may have, ensuring you receive the assistance you need at any time.
Value for Money and Cost-Saving Opportunities
Aetna offers competitive Medicare supplemental insurance plans that deliver value for money. Their plans are designed to provide comprehensive coverage while also offering cost-saving opportunities. Aetna has preferred provider networks, allowing you to save on out-of-pocket expenses when you receive care from in-network providers. They also offer tools and resources to help you make informed decisions about your healthcare.
5. Blue Cross Blue Shield
Wide Plan Selection and Trusted Reputation
Blue Cross Blue Shield (BCBS) is a trusted name in the healthcare industry, and their Medicare supplemental insurance plans uphold the same level of excellence. BCBS offers a wide selection of plans, giving you the flexibility to choose one that aligns with your needs and budget. With BCBS, you can rest assured knowing that you are backed by a reputable insurer with a long history of providing quality coverage.
6. Mutual of Omaha
Stability and Long-Standing Industry Expertise
Mutual of Omaha is well-known for its stability and long-standing expertise in the insurance industry. They offer Medicare supplemental insurance plans that provide reliable coverage and peace of mind. With Mutual of Omaha, you can benefit from their financial strength and extensive knowledge, ensuring you receive the support and coverage you need for your healthcare expenses.
Member Exclusive Plans and Advocacy
AARP, in partnership with UnitedHealthcare, offers Medicare supplemental insurance plans exclusively for AARP members. These plans are designed with older adults in mind, providing comprehensive coverage and additional perks. AARP is known for its advocacy efforts on behalf of seniors, so you can trust that they have your best interests at heart when it comes to your healthcare needs.
8. Anthem Blue Cross
Regional Excellence and Customizable Options
Anthem Blue Cross operates in several states and is highly regarded for its regional excellence. Their Medicare supplemental insurance plans offer customizable options, allowing you to personalize your coverage based on your specific needs. Whether you require a higher level of coverage or are looking for a more budget-friendly option, Anthem Blue Cross has a plan that can accommodate your preferences.
Specialized Support and Chronic Condition Management
WellCare focuses on providing specialized support for individuals with chronic conditions. Their Medicare supplemental insurance plans go beyond covering basic healthcare costs and offer services tailored to managing long-term illnesses. WellCare has programs to assist with medication adherence, care coordination, and access to specialized providers, ensuring you receive comprehensive care for your specific condition.
Personalized Advice and Comprehensive Plan Comparison
HealthMarkets is an insurance agency that specializes in helping individuals find the right coverage. They offer personalized advice and support, guiding you through the process of selecting a Medicare supplemental insurance plan. HealthMarkets also provides a comprehensive plan comparison, allowing you to easily compare different options and make an informed decision about your healthcare coverage.
Choosing the best Medicare supplemental insurance plan for 2022 is an essential decision in safeguarding your health and finances. Consumer Reports recommends UnitedHealthcare, Humana, Cigna, Aetna, Blue Cross Blue Shield, Mutual of Omaha, AARP, Anthem Blue Cross, WellCare, and HealthMarkets as the top options for the upcoming year. Each of these insurers offers unique benefits and features, ensuring you can find a plan that suits your needs, budget, and preferences. Remember to carefully evaluate your healthcare requirements and seek professional advice if needed before making a final decision.
- Consumer Reports – www.consumerreports.org/medigap
- UnitedHealthcare – www.uhc.com/medicare
- Humana – www.humana.com/medicare
- Cigna – www.cigna.com/medigap
- Aetna – www.aetnamedicare.com
- Blue Cross Blue Shield – www.bcbs.com/medicare
- Mutual of Omaha – www.mutualofomaha.com
- AARP – www.aarp.org/medicare
- Anthem Blue Cross – www.anthem.com/medicare
- WellCare – www.wellcare.com/medicare
- HealthMarkets – www.healthmarkets.com/medicare
Q: What is Medicare supplemental insurance?
A: Medicare supplemental insurance, also known as Medigap, is additional coverage that helps pay for healthcare costs that are not covered by Original Medicare, such as copayments, deductibles, and coinsurance.
Q: How do I choose the right Medicare supplemental insurance plan?
A: Choosing the right Medigap plan depends on your individual healthcare needs, budget, and preferences. Consider factors such as coverage, cost, network of healthcare providers, and any additional perks or benefits offered by the insurer. Consumer Reports provides valuable insights and recommendations to help you make an informed decision.
Q: Can I change my Medicare supplemental insurance plan?
A: Yes, you can change your Medigap plan during certain enrollment periods. It’s important to review your coverage annually to ensure it still meets your needs and make changes as necessary. Be aware of any enrollment deadlines and consult with a licensed insurance agent for assistance if needed.