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

Anthem carries only four of the 10 standardized Medigap options. It sells Plans F, G and N, plus the less common Plan A. Each plan covers out-of-pocket costs that Original Medicare doesn't pay:

• Plan A: The entry-level option. It pays Medicare Part A co-insurance, hospital costs and Part B co-insurance, and nothing beyond that. Premiums are the lowest of the four plans, and the gaps in coverage are the widest.
• Plan F: Closes every Medicare cost-sharing gap, including Part B deductibles and excess charges. Only beneficiaries who became eligible for Medicare before 2020 can enroll.
• Plan G: Identical to Plan F except it doesn't pay the Part B deductible. Plan G premiums are lower than Plan F, and any Medicare beneficiary can enroll regardless of when they became eligible.
• Plan N: Cuts the premium further by shifting some costs to the member, at $20 copays for office visits and $50 for emergency room trips. Plan N costs less than Plan G and F, so compare if you're healthy and rarely see specialists.

Plan G is the best fit 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. Plan F is available only to beneficiaries who became eligible for Medicare before January 1, 2020.

Anthem doesn't sell high-deductible Plans G or F. High-deductible versions are common at other insurers. They have lower monthly premiums but require $2,950 out of pocket before coverage starts in 2026. Buyers who want that trade-off will need to shop elsewhere.

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.

Anthem operates in only two of the 10 most-populated U.S. states: California and Georgia. Regardless of its Plan G pricing advantage, most beneficiaries shopping nationally won't see it as an option. Of the 12 states where it does operate, seven use Attained Age Pricing, so your rate at 65 is not your rate at 75.

Georgia, Missouri and New Hampshire use Issue Age Pricing and lock in your rate at purchase, though premiums can still rise with inflation. Connecticut and Maine use community rating: all enrollees pay the same premium regardless of age. In Attained Age states like California and Indiana, your premium risk grows as you move through your 70s.

Anthem's Plan G costs $218 per month for a 65-year-old, $27 below the national average and the only plan in its catalog priced below the market average. Plan N and Plan F are near the national average, Plan A is the weakest value at $360 per month, it runs $131 above what most insurers charge for the same basic benefit set. In MoneyGeek's 2026 Medigap rate analysis, Plan A's high price relative to coverage is the clearest reason to consider another insurer if Plan A is your target.

Because Anthem uses Attained Age Pricing in most states, premiums rise 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. That compounding cost increase is the main reason to weigh Issue Age or community-rated states if you have the option to choose your location. 

Plan A's $131 gap above the national average is the clearest pricing signal in Anthem's lineup. Plan G is where Anthem competes. At $27 below the national average, it's the only plan in the lineup where the insurer's pricing works in your favor. For good-credit enrollees in Anthem's 12 states buying at 65, Plan G's $218 rate is the reason Anthem belongs on the comparison list. Enrollees in states outside Anthem's service area have no access to these rates.

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. 

SilverSneakers and the NurseLine are useful for most enrollees. The $750 hearing aid allowance through the Innovative Plan version of G or N gives you hearing and vision benefits at no higher premium than standard plans from other carriers. If you live in one of those three states and have any hearing loss concern, the Innovative Plan version of G or N is worth the comparison against standard plans from other carriers. Outside those states, the benefits are solid but not unusual relative to competitors.

Anthem's four Medigap plans range from $198 to $360 per month at age 65, depending on coverage level and state. Compare Anthem's Medigap plans below by state and age to choose the right coverage level and price for your situation

Anthem's Plan G in California is $198 per month at age 65, $20 below its national average of $218. Under Attained Age Pricing, a California enrollee who buys at 65 starts from a lower base than the average, so the cost advantage compounds over time. Plan N in California costs $217 at age 65, $19 more than Plan G's $198 rate. Nationally, Plan N typically runs $20 to $40 below Plan G because it adds copays of up to $20 per doctor visit and up to $50 for emergency room trips. California is an exception: Anthem's Plan N pricing in the state inverts that relationship and makes Plan G the better value here for most enrollees.

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. 
For this review, we collected plan data from Medicare.gov in May 2026, pulling rates for a 65-year-old 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.