2026年最佳Medicare 补充保险：5款对比
对比5款，依据官方公布规格、原厂文件与第三方评测。
This comparison is desk research. We compared publicly available specifications, manufacturer documentation, and independent reviews and lab tests. We did not test these products ourselves.
Mutual of Omaha Medicare Supplement
🏆 Best mutual carrier: Mutual of Omaha Medicare Supplement is the right pick for stability-focused buyers. Mutual company (policyholders share dividends), A+ AM Best rating, Plan G $150-200/mo.
推荐榜单 ↓推荐榜单
Mutual of Omaha Medicare Supplement
Quote through Mutual of Omaha advisors. Long history of dividend-paying.
Mutual of Omaha Medicare Supplement is the right pick for stability-focused buyers. Mutual company (policyholders share dividends), A+ AM Best rating, Plan G $150-200/mo. Rate-increase history is moderate. Strong long-term carrier.
推荐亮点
- ✓Mutual company (dividends)
- ✓A+ AM Best rating
- ✓Solid long-term stability
不足之处
- ✗Not always cheapest in your state
- ✗Customer service is mid-tier
Aetna Medicare Supplement (CVS Health)
Quote at aetnamedicare.com — CVS Health-owned.
Aetna Medicare Supplement (CVS Health) is the right pick if you value bundled extras. SilverSneakers gym membership included, hearing aid discounts, vision discounts. Cheapest ($140-190/mo across states). Owned by CVS Health.
推荐亮点
- ✓SilverSneakers included
- ✓Cheapest
- ✓CVS Health backing
不足之处
- ✗Rate-increase history average
- ✗A AM Best (not A+)
Humana Medicare Supplement
Quote at humana.com — solid mid-tier option.
Humana Medicare Supplement is a solid mid-tier option. Plan G $145-200/mo, strong Medicare Advantage cross-sell if you ever want to switch. Available in most states. Less aggressive on bundled extras but reliable.
推荐亮点
- ✓Reliable mid-tier carrier
- ✓Cross-sell to MA if needed
- ✓Wide state availability
不足之处
- ✗Less bundled extras than Aetna
- ✗Mid-tier rate-increase history
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Blue Cross Blue Shield Medicare Supplement
Quote at bcbs.com — pricing varies dramatically by state BCBS.
Blue Cross Blue Shield Medicare Supplement is the right pick if you want the largest network in your state. State-specific BCBS plans vary in pricing — some states have very competitive BCBS pricing, others are highest in test. Check your state.
推荐亮点
- ✓Largest provider network in most states
- ✓Strong state-level brand recognition
- ✓Trusted by hospitals
不足之处
- ✗Highly state-variable pricing
- ✗AM Best rating varies by state BCBS
UnitedHealthcare AARP Medicare Supplement
Quote at aarpmedicaresupplement.com — AARP endorsement required (AARP membership $16/year).
UnitedHealthcare AARP Medicare Supplement is the largest single Medicare Supplement insurer in the US. AARP-endorsed, A+ AM Best rating, includes Renew Active (gym + brain games). Plan G $150-210/mo. Strong stability and brand recognition.
推荐亮点
- ✓Largest US Medicare Supplement insurer
- ✓AARP endorsement
- ✓Renew Active gym/brain games
不足之处
- ✗Not always cheapest
- ✗Brand premium may not be worth the extra cost
适合哪类人？
Retirees who prioritize long-term premium stability
Mutual of Omaha Medicare Supplement
Mutual of Omaha's A+ AM Best rating and mutual company structure make it the safest long-term bet for buyers who plan to hold their policy for decades.
Active seniors who exercise and use hearing or vision care
Aetna Medicare Supplement (CVS Health)
Aetna bundles SilverSneakers gym membership plus hearing aid and vision discounts — extras that offset its premium cost for health-conscious seniors.
Snowbirds and seniors who travel between multiple states
Blue Cross Blue Shield Medicare Supplement
BCBS holds the largest provider network in most states, so you'll find in-network doctors whether you're wintering in Florida or spending summers up north.
Budget-conscious new Medicare enrollees on fixed income
Humana Medicare Supplement
Humana's mid-tier pricing ($145-200/mo) and wide state availability make it a reliable entry point without overpaying for bundled extras you may not use.
AARP members who want the most recognized national brand
UnitedHealthcare AARP Medicare Supplement
UnitedHealthcare's AARP endorsement, A+ AM Best rating, and Renew Active program appeal to seniors who want a household name with built-in wellness perks.
What Plan G covers
Plan G covers everything Original Medicare doesn't, EXCEPT the Part B deductible ($240/year in 2026). Plan F (which covered Part B deductible) was discontinued for new enrollees in 2020.
Plan G is the most popular for new enrollees post-2020 because it covers the same expensive gaps (Part A deductible, Part B coinsurance, etc.) at lower premium than Plan F historical cost.
Plan G alternatives: Plan N (lower premium, $20 copay per office visit + $50 ER copay) for healthy seniors who don't visit doctors often. Plan G is the safe default.
Premium by carrier and state
65-year-old Plan G monthly premium by state and carrier: Florida averages $180-220 (highest), Texas $130-170, California $150-200. Florida's high premiums are due to retirement demographics and hurricane risk.
Cheapest carrier: Aetna $140-190/mo across states. Most expensive: Blue Cross Blue Shield $160-220/mo (varies by state BCBS).
Rate-increase history (5 years): UnitedHealthcare AARP averaged 4-6% annual increases, Mutual of Omaha 5-7%, Aetna 5-8%, Humana 4-7%, BCBS varies widely by state. Rate stability matters more than initial premium for long-term holders.
Bundled benefits and customer service
Bundled extras: Aetna includes SilverSneakers gym membership (worth $25-50/mo equivalent), free hearing aid discounts, vision discounts. UnitedHealthcare AARP includes Renew Active (gym + brain games). Mutual of Omaha includes basic discount programs. Humana and BCBS more limited extras.
Customer service ratings (BBB + AM Best): UnitedHealthcare A+ AM Best, Mutual of Omaha A+ AM Best, Aetna A AM Best, Humana A AM Best, BCBS varies by state.
Pre-existing condition treatment: Medicare Supplement is guaranteed issue ONLY during Open Enrollment (first 6 months after Part B starts). Outside that window, carriers can underwrite — and decline.
