• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    Pilan Sue Butts Avatar Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    Tina Hiebert Avatar Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    Joe Moynihan Avatar Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    Angele Navares Avatar Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    Elizabeth Tatge Avatar Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    Karen P. Katz Avatar Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    Rick Graves Avatar Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    Jack Broome Avatar Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    Diane Langille-stone Avatar Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    Lorraine Roche Avatar Lorraine Roche
    August 7, 2016

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Who Sells the Best Medigap Insurance Plans | Small or Large Companies?

Who Sells the Best Medigap Insurance Plans?

We buy products from large companies because brand names make us feel good about our purchase. But we also find that some lesser known companies offer a better value for the same exact product. If you’re shopping for Medicare Supplement insurance, you might be surprised at who sells the best Medigap insurance plans.

In the world of Medicare Supplement insurance, big name carriers like BCBS, AARP and Mutual of Omaha are always recognizable. But, there are many more lesser known companies in the market. Medigap companies such as  New Era Life, Equitable, Manhattan Life and Oxford are just some of the many smaller insurance companies.

Large and small companies sell Medigap insurance across the United States. It’s hard to determine if one is better than the other. But you certainly don’t want to rule out a small company because you don’t recognize its name. Here’s why:

All Medigap Policies are Regulated by Federal and State Laws

Medicare Supplement companies sell standardized Medigap plans. CMS (Centers for Medicare and Medicaid Services) standardized all Medigap Plans in 1990. That means that every insurance company who sells Medigap Plans is not allowed to make changes to plan benefits.

For example, Medigap Plan F has a certain outline of benefits assigned to it. Those benefits CANNOT be modified or deleted. It’s the law. So, if you buy Medigap Plan F with AARP or Continental Life, your benefits are the same.

Consistency among plans means your claims will be paid by the insurance carrier regardless of who it is. They’re all required to pay claims according to your Medigap Plan benefit schedule.

The standardization of Medigap benefits is one of the safety nets put in place to protect Medicare Beneficiaries. Regardless of which insurance carrier you choose, this protection should offer you peace of mind.

Medicare decides what claims are paid – Not the insurance companies

Another safety net put in place by CMS is how your claims are paid. It doesn’t matter which insurance carrier you have a policy with, all claims are paid the same.

Insurance carriers don’t have a medical expert who makes decisions about your claims. If Medicare pays the bill, then your Medigap company will pay its portion. It’s that simple.

You may have family members or friends who rave about their brand name company because they always pay the bills. That’s great and all, but it’s not because the company is better than the rest. It’s because they’re required by law to pay their portion of your claim.

Because of CMS regulations, even lesser known insurance companies pay your claims in a timely manner. The process is streamlined. So once Medicare processes the claim, it’s electronically passed to the Medigap company.

Remember, the Medigap company is not making any decisions about whether your claim should be paid. If Medicare pays, the Medigap carrier pays too – regardless of their name and popularity.

Your Doctor Doesn’t Care What Medigap Carrier You Use

Many people worry their provider won’t take a lesser known Medigap plan. Thanks to Medicare billing procedures, you don’t have to check with your doctor to see if they accept your Medigap plan.

Providers don’t file claims with Medigap insurance companies, so the insurance carrier name on your ID card doesn’t mean a whole lot to them.

The provider always sends your claim to Medicare. They’ll never send it to your Medigap company. Even if your doctor’s office has never heard of a Medigap company, your claims will still be paid. 

Medicare’s payment process is simple. Medicare reviews your claim and based on billing codes decides to approve or deny the service. If approved, Medicare will pay its portion and then send the claim to your Medigap company.

The Medigap insurer doesn’t have the authority to make decisions about your claims. If Medicare pays, then your Medigap company will pay according to the benefits outlined in your Medigap plan.

 So, regardless of the insurance company size or popularity, your provider is going to get paid.

Rates Can Be Lower with Lesser Known Medigap Companies

Medicare Supplement rates vary from state to state. Large brand name Medigap companies can offer competitive rates in some areas, but so can the smaller Medicare Supplement companies.

Every insurer has a team of actuaries who crunch numbers and make premium recommendations based on risk, inflation, marketing, and more.

You might think that larger companies always have better rates. But often we find the lesser known Medigap companies offer better rates than the larger companies.

How can small Medigap companies offer better and more competitive rates?

Think about why those brand names are so popular. It’s all about marketing. And, marketing isn’t cheap. Medicare Supplement insurance carriers have to staff a marketing department and ultimately pay for advertising.

Big brand Medigap companies spend an enormous amount of money on advertising. They pay for television commercials, online ads, radio commercials and mail. Those high advertising costs are typically passed on to you. Policy holders may be paying higher premiums for brand name advertising – not for better Medicare Supplement insurance benefits.

There’s less name recognition with smaller brands, but they also don’t spend as much money on advertising costs. Remember, the lesser name companies have the same Medigap benefits as the big name brands. 

Still wondering who sells the best Medigap insurance? Hopefully it’s clear that name recognition shouldn’t be your only deciding factor.

Large and Small Medigap Carriers have Financial Stability

An unknown name can make you feel uncertain about a company. That shouldn’t be the case with Medigap. In the world of Medicare Supplement insurance, there are hundreds of insurance companies.

Out of the hundreds of Medigap companies, you may only be familiar with four or five of the large national brands. Rating companies like A.M. Best provide reliable financial information on all companies.

When A.M Best gives a company an A or B rating and indicates a stable financial outlook, you can feel certain that the insurance carrier is financially strong and capable of providing coverage outlined in your policy.

It goes without saying that well known brands probably have strong financial ratings based on their size. But don’t count out the lesser known companies. Their financial strength is often just as strong.

Final Thoughts

With all that said, there are consumers who are not willing to trust the lesser known Medigap insurance carriers. Big name brands mean a lot to some people.

That’s okay as long as you don’t mind possibly paying hundreds of dollars more a year for a brand name company. Which can add up to thousands of dollars over time.  

To be fair, lesser known carriers are also vulnerable to rate increases. But, most of the time when we talk to someone who has had a Medigap plan for a few years, their high priced premium is with a name brand. Not always…but most of the time.

If you are serious about researching who sells the best Medigap insurance plans, then don’t pass an opportunity to compare rates from lesser known companies.


By working directly with us at REMEDIGAP you will have a personal agent dedicated to help you throughout the entire Medicare process – from education, applying, and ongoing service. Perhaps you have many questions or none at all. Either way, we’ll customize our approach based on your needs. Our ongoing service makes sure you’re getting the best value with your Medigap plan from year to year.

So what are you waiting for?  Just give us a call at 888-411-1329 or simply fill out our quote form for free Medigap quotes.  It’s an easy way to see just what we can do for you!

Thank you for reading our article Who Sells the Best Medigap Insurance Plans? Please chat with us online or leave a comment below.

Additional Resources:

Is Buying Medigap Plan F a Good Idea?

Reviewing Medigap Plan N Premiums and Benefits

Insurance Companies Like Plan G and You Should Too

Call (888) 411-1329 for your free consultation today!

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