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

Anthem is a good Medicare Supplement company for Plan G buyers in the 11 states where it sells Plan G. Its Plan G costs $218 a month at 65 and $273 at 75, which are $29 and $27 below the national average.

Anthem's Plan G holds its price longest in the five states where premiums don't rise with age. In Georgia, Missouri and New Hampshire, Issue Age Pricing locks your rate to the age you enroll, apart from general rate increases. Connecticut and Maine use Community Pricing, so every member pays the same premium regardless of age.

The other six Plan G states use Attained Age Pricing, which raises the premium each year as you age, so a 75-year-old there pays $93 a month more on average than a 65-year-old.

Anthem's Medicare Supplement plans average $198 to $360 a month for a 65-year-old in MoneyGeek's 2026 Medigap rate analysis, and Plan G is the only one of the four priced below the national average at both 65 and 75. Plan F moves from $9 below average at 65 to $9 above at 75.

Plan A has the highest average because Connecticut charges $1,210 a month in the same data, and outside Connecticut and Maine, Anthem's Plan A costs $120 to $187 at 65, so Plan A buyers in those other states should check their own state's quote.

*Averages give Anthem's issue-age, attained-age and community-priced states equal weight, so they won't match a simple average of the state tables. Differences compare each plan with the national average for the same plan, age and pricing method.

Anthem sells Plans A, F, G and N, which are four of the 10 standardized Medigap plan types. Federal law standardizes each plan letter outside Massachusetts, Minnesota and Wisconsin, so Anthem's Plan G covers the same medical costs as Plan G from any other insurer. What differs is the premium, how fast it rises, the discounts and member perks such as gym access.

• Plan A: Anthem's most basic plan pays Part A and Part B co-insurance plus up to 365 extra days of hospital care after Medicare's hospital benefits are used up, but it doesn't pay either deductible, Part B excess charges or foreign travel emergencies. Its $360 average at 65 is $132 above the $228 national average because of Connecticut's $1,210 rate. In our rate data, Anthem's Plan A costs $39 a month less than its Plan G at 65 in California and $60 less in Georgia, where that $720 a year is less than half the $1,736 Part A deductible for each benefit period in 2026. A benefit period starts when you're admitted to a hospital and ends after 60 days in a row without inpatient or skilled nursing care.
• Plan F: Anthem's Plan F pays every Medicare cost-sharing item, including both deductibles, Part B excess charges and 80% of foreign travel emergency costs after a $250 yearly deductible, up to a $50,000 lifetime limit, but only people eligible for Medicare before Jan. 1, 2020, can buy it.
• Plan G: Anthem's Plan G matches Plan F except that it doesn't pay the Part B deductible, which is $283 in 2026, and anyone new to Medicare can buy it.
• Plan N: Anthem's Plan N charges copays of up to $20 per office visit and up to $50 per emergency room visit and doesn't pay Part B excess charges. It costs $71 to $79 a month less than Anthem's Plan G at 65 in Connecticut and Maine but more than Plan G in five of Anthem's 10 Plan N states.

Anthem doesn't sell high-deductible versions of Plan G or Plan F.

Every Anthem Medicare Supplement member gets SilverSneakers gym access, a prescription discount card, health product discounts and a 24/7 nurse line at no extra cost.

• SilverSneakers Fitness Program: Members get free access to participating gyms, including pools, exercise equipment and group classes, plus online workout videos.
• ScriptSave/WellRx Prescription Savings: The ScriptSave/WellRx card lowers prices at participating pharmacies on medications your Medicare Part D plan doesn't cover.
• 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: Registered nurses answer your health questions any time of day or night and help you decide whether you need a doctor visit.

Anthem sells Medicare Supplement plans in 12 states and offers Plans A, F, G and N in 10 of them. Ohio buyers can choose Plans A, F and G, so Plan G is sold in 11 states. Wisconsin buyers get Anthem's Medigap Basic Plan, which follows Wisconsin's own state-specific plan design.

Your state's pricing method decides how much Anthem's Plan G rises as you age. In the six attained-age states that sell Plan G (California, Colorado, Indiana, Kentucky, Nevada and Ohio), the premium climbs each year in addition to any general rate increase, so a 75-year-old pays $93 a month more on average than a 65-year-old ($273 compared with $180).

In Georgia, Missouri and New Hampshire, Issue Age Pricing locks your rate to the age you join, and Connecticut and Maine charge the same rate at every age. Buyers in these five states should quote Anthem's Plan G first, and buyers in attained-age states should compare each insurer's rate at 75 as well as 65.

Anthem's monthly Medigap rates change with your state, age and plan letter, so filter the table by all three to see your price.

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 Blue Cross and Blue Shield companies, which are independent licensees of the Blue Cross Blue Shield Association, underwrite Anthem's Medicare Supplement plans. Anthem's service area and plan lineup change from year to year, so confirm your state's current plans at anthem.com before applying.

MoneyGeek collected Medigap plan data nationwide for ages 65 and 75 using the plan browsing tool at Medicare.gov. Unless otherwise noted, figures in this article use rates for 65-year-olds in each state where Anthem operates.

For this review, we collected plan data from Medicare.gov in May 2026 for 65- and 75-year-old nonsmokers across all 12 states where Anthem Medicare Supplement operates. We compared Anthem's rates against the national average for the same plan, age and pricing method. Our sample profile didn't adjust for health status because Medigap insurers can't price by health during your Medigap Open Enrollment Period, the six months that start the first month you're 65 and enrolled in Part B.

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.