Anthem Medicare Supplement Review (2026): Cost, Pros & Cons

Anthem has a limited range of Medicare Supplement (Medigap) plans, carrying only four of the ten standardized options. They sell the most popular Plans F, G, and N as well as the less common Plan A. Each plan covers specific out-of-pocket expenses that Original Medicare doesn't pay:

• Plan A: Covers basic benefits including Medicare Part A coinsurance, hospital costs and Medicare Part B coinsurance. It's the most affordable option but provides the least coverage.
• Plan F: Pays all Medicare cost-sharing, including Part B deductibles and excess charges. New Medicare beneficiaries can't buy Plan F as of 2020.
• Plan G: Covers the same benefits as Plan F except the Part B deductible. Plan G has lower premiums than Plan F and is available to all Medicare beneficiaries.
• Plan N: Requires copays for doctor visits and emergency room trips. Plan N costs less than Plans F and G but leaves you with some out-of-pocket expenses.

Anthem doesn't offer high-deductible Plans G or F, which many competitors provide. High-deductible plans have lower monthly premiums but require you to pay $2,950 out of pocket before coverage starts in 2026. If you want the lowest possible monthly premium and can afford higher upfront costs, you'll need to shop with another insurer.

Anthem sells Medicare Supplement plans in 12 states with availability and pricing methods varying by location. Residents in most states where Anthem operates have access to Plans A, F, G and N, but Ohio residents only have access to Plans A, F and G. Wisconsin uses a unique Medigap Basic Plan structure instead of the standard lettered plans.

In most states, Anthem bases its Medicare Supplement premiums on attained-age pricing, so your monthly cost rises as you grow older. In Georgia, Missouri, and New Hampshire, however, the company uses issue-age pricing, which sets your rate according to your age at the time you purchase the policy. Connecticut and Maine are the only states where Anthem applies community rating, meaning all enrollees pay the same premium regardless of age.

Anthem’s Medicare Supplement pricing depends on the plan you choose, your age and where you live, but the provider’s rates are fairly competitive compared to national averages. For example, Plan G averages $218 per month at age 65, $29 below the norm, making it one of Anthem’s stronger value options. Plan N and Plan F are nearly flat with the national average, but Plan A is the most expensive option at $360 per month, which is well above the national average.

Because Anthem uses attained-age pricing in most states, premiums increase as you grow older. On average, a 75-year-old pays 25% more for Plan G at $273 per month and 28% more for Plan N at $254 per month compared to rates at age 65.

Anthem Medicare Supplement members get wellness programs and discounts beyond basic coverage. These perks help lower your healthcare costs and support healthy living.

• SilverSneakers Fitness Program: Get free gym access at participating locations, plus online workout videos and fitness classes. SilverSneakers includes pools, exercise equipment and group classes at no extra cost.
• ScriptSave/WellRx Prescription Savings: This discount card saves you money on prescription drugs at participating pharmacies. You can use the card for medications that fall outside of your Medicare Part D coverage.
• Discount Program: You’ll get discounts on health-related products including vitamins, weight loss programs, hearing aids through NationsHearing and vision services through providers like Glasses.com.
• 24/7 NurseLine: Talk with registered nurses who’ll answer your health questions any time of day or night. The NurseLine helps members assess symptoms and determine the right level of care without a doctor visit.
• Innovative Plans (Select States): California, Nevada and Kentucky offer Innovative Plans F, G and N with added preventive vision and hearing benefits. These plans include a $750 annual hearing aid allowance, routine eye exams and eyewear coverage at no additional premium.

Anthem offers multiple Medicare Supplement plans with different coverage levels and premiums. Compare their plans below to find the coverage that fits your healthcare needs and budget.

MoneyGeek collected data for all Medicare plans nationwide for ages 65 and 75, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: community pricing, issue-age pricing and attained age pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: community pricing 1.0, issue-age pricing 0.8, attained-age pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan and state availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular Plan G, Plan F and Plan N. Providers that have broader nationwide availability across more states also score higher.