Medicare Carriers Directory
Independent reviews of 20 top Medicare insurance carriers.
Aetna Medicare
AM Best A · 50 states · MEDIGAP, MA, PART_D
A CVS Health company since 2018. One of the top three Medicare Advantage carriers by enrollment.
Humana
AM Best A- · 50 states · MA, PART_D, MEDIGAP
The #2 Medicare Advantage carrier by enrollment. Stronger in MA than Medigap.
UnitedHealthcare
AM Best A · 50 states · MA, MEDIGAP, PART_D
The largest Medicare Advantage carrier. AARP-branded Medigap is administered by UHC.
Cigna Healthcare
AM Best A · 50 states · MEDIGAP, PART_D, MA
Strong Medigap presence via Loyal American, American Retirement Life, and Cigna Health and Life.
Mutual of Omaha
AM Best A+ · 49 states · MEDIGAP, PART_D
A top Medigap carrier with strong financial ratings and stable rate history.
Anthem / Elevance Health
AM Best A · 14 states · MEDIGAP, MA, PART_D
Blue Cross/Blue Shield licensee in 14 states; operates as Elevance Health at the parent level.
Blue Cross Blue Shield (multi-plan)
AM Best A · 50 states · MEDIGAP, MA, PART_D
Federation of independent licensees. Quality varies significantly by state plan.
Kaiser Permanente Medicare
AM Best A · 8 states · MA
Integrated HMO available in 8 states plus DC. Consistently top-rated on CMS Star Ratings.
Wellcare (Centene)
AM Best A- · 50 states · MA, PART_D
A Centene company. Large Part D presence and growing MA footprint.
Molina Healthcare
AM Best A- · 15 states · MA
Focused on dual-eligible Special Needs Plans (D-SNPs).
AARP Medicare (UnitedHealthcare)
AM Best A · 50 states · MEDIGAP, PART_D
AARP-branded Medigap and Part D administered by UnitedHealthcare.
Devoted Health
AM Best NR · 15 states · MA
Tech-forward MA startup focused on member experience and digital tools.
Clover Health
AM Best NR · 8 states · MA
PPO-focused MA plans in select markets.
SilverScript (Aetna/CVS)
AM Best A · 50 states · PART_D
One of the largest Part D plans in the country.
Wellmark BCBS
AM Best A · 2 states · MEDIGAP, MA
BCBS licensee in Iowa and South Dakota.
Highmark
AM Best A · 4 states · MEDIGAP, MA, PART_D
BCBS licensee in Pennsylvania, Delaware, West Virginia, and New York.
State Farm Medicare
AM Best A++ · 40 states · MEDIGAP
Auto insurer’s Medigap line with strong financial ratings.
USAA Medigap (Humana)
AM Best A · 50 states · MEDIGAP
USAA-branded Medigap underwritten by Humana.
Guarantee Trust Life (GTL)
AM Best A- · 45 states · MEDIGAP
Mid-size Medigap carrier known for dental/vision riders.
Accendo (CVS/Aetna)
AM Best A · 43 states · MEDIGAP
CVS/Aetna’s value-priced Medigap brand.