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

Plan G is Anthem's best value at $218 monthly for a 65-year-old, $27 below the national average in our analysis. At age 75, Anthem's Plan G costs $273 monthly, still below the national average.

Georgia, Missouri and New Hampshire use Issue Age Pricing. The rate at enrollment stays fixed even as premiums adjust for inflation. Connecticut and Maine charge all members the same premium regardless of age. The other seven states use Attained Age Pricing, where premiums increase annually with age.

In MoneyGeek's 2026 Medigap rate analysis, Plan A is Anthem's least competitive plan, at $360 monthly for a 65-year-old.

Anthem sells four of the 10 standardized Medigap plan types: Plans A, F, G and N. Federal law standardizes every plan letter, so Plan G from Anthem covers the same medical costs as Plan G from any other insurer. The monthly premium and the rate at which it increases over time vary between carriers.

• Plan A: The entry-level option is Plan A. It covers Medicare Part A coinsurance, hospital costs and Part B coinsurance. It doesn't cover either deductible, excess charges or foreign travel costs. At $360 monthly for a 65-year-old, it is $131 above the national average for the same coverage. For most buyers who can qualify for Plan G, Plan A offers less value at a higher price.
• Plan F: At $294 monthly for a 65-year-old, Plan F covers every Medicare cost-sharing item: both deductibles, co-insurance, copays, Part B excess charges (the amount a doctor bills above what Medicare approves), and 80% of foreign travel emergency costs. Only beneficiaries eligible for Medicare before January 1, 2020 can buy Plan F from any insurer. Anthem's Plan F averages $294 monthly at 65, $9 above the national average.
• Plan G: It's Identical to Plan F except it doesn't pay the Part B deductible ($283 in 2026). Pay that once per year and Plan G covers everything else. Premiums are lower than Plan F, so most eligible buyers save more with Plan G. Any Medicare beneficiary can enroll, regardless of when they became eligible. Anthem's Plan G averages $218 monthly at 65.
• Plan N: Plan N costs less than Plan G each month. But plan G is the better choice for most new Medicare enrollees who want full coverage without copays. Plan N costs less and works for enrollees who are healthy and rarely see specialists because copays in low-usage years may fall below the premium difference.

No high-deductible versions of Plan G or Plan F are available from Anthem.

Anthem Medicare Supplement members get wellness programs and discounts beyond basic coverage.

• SilverSneakers Fitness Program: Members 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.

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

Anthem sells in only two of the 10 most-populated U.S. states: California and Georgia. For most people shopping nationally, Anthem won't appear as an option. Of the 12 states where it does sell, seven use Attained Age Pricing.   

In states where Anthem uses Attained Age Pricing, the premium increases each year as you get older, separate from any general rate increases the company files. In California, Colorado, Indiana, Kentucky, Nevada and Ohio, the Plan G price at 65 is lower than the price at 75.   

Georgia, Missouri and New Hampshire lock in the premium rate at the age you first enroll. Connecticut and Maine use community rating, where all enrollees pay the same premium regardless of age. In those five states, Anthem's Plan G price advantage holds more durably over time.

Compare Anthem's Medigap plans below by state and age to choose the right coverage level and price for your situation

Blue Cross Blue Shield affiliates, Aetna and Humana all sell Medigap in more states than Anthem and offer high-deductible plan options. For Plan N specifically, HealthSpring (formerly Cigna) prices it below the market average. UnitedHealthcare and Transamerica both use community rating in some markets, which can produce a lower long-term cost even with a higher starting premium.

Anthem's Medicare Supplement plans are underwritten by Anthem Blue Cross and Blue Shield affiliates, independent licensees of the Blue Cross Blue Shield Association. First-time enrollees should confirm their state's current availability at anthem.com before applying. Anthem's service area and plan offerings change year to year.

MoneyGeek collected data for all Medicare plans nationwide. We used the plan browsing tool at Medicare.gov to collect Medigap plan data nationwide for ages 65 and 75. Unless otherwise noted, the data in this article uses quotes pulled for 65-year-olds in each state where Anthem operates.
For this review, we collected plan data from Medicare.gov in May 2026, and sourced rates for a 65-year-old nonsmoker and a 75-year-old nonsmoker across all 12 states where Anthem Medicare Supplement operates. We compared Anthem's rates against the national average for each plan type to identify where the insurer prices above and below the market. Our sample profile didn't adjust for health status because Medigap pricing during the Open Enrollment Period isn't medically underwritten in most states.

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

• Affordability (50%): The lowest monthly cost earns the highest score. Rate comparisons use a 65-year-old nonsmoker profile pulled from Medicare.gov.
• Pricing style (20%): Community pricing scores 1.0, issue-age pricing scores 0.8 and attained-age pricing scores 0.6. A slightly higher-cost community-rated plan can outscore a cheaper attained-age plan under this weighting.
• Plan and state availability (30%): Plan G, Plan F and Plan N carry the most weight in availability scoring. Insurers serving more states score higher.