The Best Vermont Medicare Supplement Plans (2022)

There are 10 Medicare Supplement plans available, but the plans you can purchase depend on when you become eligible. The best medicare supplement plans in Vermont depend on which plan you purchase. In Vermont, Blue Cross Blue Shield of Vermont offers the best Plan F and Plan G. Humana is the best company for Plan N.

You can't acquire both a Medigap and a Medicare Advantage plan in Vermont or other states. Medicare Advantage Plans in Vermont take the place of all Medicare plans, including Original Medicare.

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Last Updated: 9/14/2022
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Medical Supplement plans in Vermont cost an average of $158 per month for 65-year-olds and $165 per month for 75-year-olds.

The majority of people who are eligible for Medicare choose Plan F or Plan G because they provide the most comprehensive coverage. In Vermont, the average monthly cost of Plan F and Plan G are $167.53 and $165.70, respectively.

Plan N is the next most popular option and it provides comparable coverage with the exception of excess charges. On average, Plan N costs $181.20 per month in Vermont.

MoneyGeek focused on ranking the top options for these plans based on our methodology. Using our guide, you can learn more about finding the best Medicare Supplement plan.

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Best Medicare Supplement Plan G in Vermont

Blue Cross Blue Shield of Vermont offers the best Medigap Plan G in Vermont. Its average cost is $183.51 per month. According to MoneyGeek’s methodology, Blue Cross Blue Shield of Vermont scored 80 out of 100.

MoneyGeek’s rankings are limited to companies that provide online quotations. You can also explore other companies that offer Medicare Supplement plans in Vermont that do not have online quotes.

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MoneyGeek Top Pick
Blue Cross Blue Shield of Vermont
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $183.51

The average monthly rate of a Plan G from Blue Cross Blue Shield of Vermont is $183.51, while the state average for Plan G is $165.70 per month. The average monthly rate of Blue Cross Blue Shield of Vermont is roughly $17.81 more expensive than the state average.

A plan from this company includes a Foreign Travel Emergency benefit. With this feature, emergencies that happen outside of the United States can be covered by your Medicare Supplement plan. As a result, you will feel safer as you travel abroad.

MORE ABOUT PLAN G IN VERMONT

Navigate to learn more about Medigap Plan G in Vermont, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Vermont

On average, a Medigap Plan G in Vermont costs $165.70. Humana has the cheapest Plan G in Vermont, priced at roughly $138.80 per month, while UnitedHealthcare has the most expensive Plan G, which costs around $201.80 per month. The price of a Plan G varies according to your age when you purchased a plan, your current age, discounts and medical underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • Humana
    $139
  • Blue Cross Blue Shield of Vermont
    $184
  • UnitedHealthcare
    $202

Providers Offering Plan G in Vermont

In Vermont, 11 companies offer Plan G, but not all of them have quotes available online. To help you find the best company for you, MoneyGeek collected the contact information of all these companies. We have also provided their pricing methods to let you know which company will cost more depending on your age.

Providers Offering Plan G in Vermont

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Aetna
    800-358-8749
    Community
  • Blue Cross Blue Shield of Vermont
    (800) 247-2583
    Community
  • Cigna
    1-855-891-9368
    Community
  • Colonial Penn
    1-877-877-8052
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community

What Does Plan G Cover?

Plan G and other Medigap policies are standardized and are required to provide distinct benefits. Part B deductible is not part of Plan G coverage. It only covers 80% of international travel expenses. Additional benefits, such as the Foreign Travel Emergency, can be added to your plans.

Required Benefits of Plan G in Vermont
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Vermont

The best Medigap Plan F in Vermont is from Blue Cross Blue Shield of Vermont. It costs an average of $154.65 per month. Blue Cross Blue Shield of Vermont received a score of 80 out of 100 based on our methodology.

MoneyGeek based its rankings on online quotes from companies and is limited only to these companies. Other Medicare Supplement providers are available in Vermont, but they do not provide online quotes.

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MoneyGeek Top Pick
Blue Cross Blue Shield of Vermont
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $154.65

The average monthly cost of Plan F from Blue Cross Blue Shield of Vermont is $154.65 per month. The state average cost for Plan F in Vermont is $167.50 per month.

Blue Cross Blue Shield of Vermont provides a Foreign Travel Emergency benefit with its Plan F. This feature allows the plan to cover emergencies that occur outside of the United States. Policyholders can have an added layer of protection when traveling abroad.

MORE ABOUT PLAN F IN VERMONT

Navigate to learn more about Medigap Plan F in Vermont, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Vermont

The average cost of Plan F in Vermont is $167.50 per month. The cheapest company for Plan F is Humana which costs around $152 per month. The most expensive company is UnitedHealthcare, with a rate of approximately $242.50 per month. The difference in their prices is roughly $90.50 per month. The cost of Plan F varies according to your age at the time of purchase, your current age, discounts and medical underwriting factors.

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75

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of Vermont
    $155

Providers Offering Plan F in Vermont

There are 11 companies that offer Plan F in Vermont, but only some of these companies provide online quotes. MoneyGeek has gathered all of these companies' contact information as well as their pricing methods to show you how age affects the price of your plan.

Providers Offering Plan F in Vermont

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Aetna
    800-358-8749
    Community
  • Blue Cross Blue Shield of Vermont
    (800) 247-2583
    Community
  • Cigna
    1-855-891-9368
    Community
  • Colonial Penn
    1-877-877-8052
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community

What Does Plan F Cover?

All Medigap policies, including Plan F, are standardized and must have specific benefits. Only 80% of the foreign travel exchange is covered by this plan. Other than the mandatory benefits, plans may contain optional benefits. Foreign Travel Emergency is an example of these extra benefits.

Required Benefits of Plan F in Vermont
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Vermont

Humana is the best Medigap Plan N provider in Vermont, with an average monthly premium of $168.65 on average. Based on MoneyGeek’s methodology, Humana received a perfect score of 100.

The best Medicare supplement plans in Vermont are ranked by MoneyGeek based on companies that provide online estimates. Other companies are available, although they do not provide online quotes.

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MoneyGeek Top Pick
Humana
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $168.65

Humana's average monthly fee for a Medigap Plan N is lower than Vermont’s average monthly rate for Plan N, at $168.65 per month compared to $181.20 per month for the state average. The benefits of this plan include SilverSneakers, hearing aid services, prescription discount, 24-hour nurse advice line and Foreign Travel Emergency.

SilverSneakers is a fitness program specifically made for those with Medicare. Humana’s hearing aid services help policyholders in case of hearing loss due to old age. For prescription drugs, Humana’s Plan N gives policyholders a discount when purchasing their medicine.

If they need medical advice without visiting the hospital or a clinic, they can contact a nurse over the phone throughout the day. Lastly, the Foreign Travel Emergency benefit covers emergencies that may occur while a policyholder is traveling abroad.

MORE ABOUT PLAN N IN VERMONT

Navigate to learn more about Medigap Plan N in Vermont, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Vermont

In Vermont, the average monthly cost of Plan N is $181.20. UnitedHealthcare is the cheapest company for Plan N, at roughly $173.50 per month. Blue Cross Blue Shield of Vermont is the most expensive company, with a monthly fee of around $183.90. The price difference between these providers is approximately $10.40 per month. Plan N costs vary depending on when you bought your plan, your current age, discount and other medical underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $174
  • Humana
    $184
  • Blue Cross Blue Shield of Vermont
    $184

Providers Offering Plan N in Vermont

Plan N is offered by 11 companies in Vermont. However, not all of them provide online rates. MoneyGeek has compiled all of the contact information of each company to help you find the right one for you. We have also collected their pricing techniques to show you how the price of a plan changes according to age.

Providers Offering Plan N in Vermont

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Aetna
    800-358-8749
    Community
  • Cigna
    1-855-891-9368
    Community
  • Colonial Penn
    1-877-877-8052
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community
  • State Farm
    800-782-8332
    Community

What Does Plan N Cover?

Plan N, like all Medigap policies, is standardized and has a set of benefits that must be met. Part B deductibles and excess costs are not covered by Plan N. Additionally, this plan only covers 80% of the foreign travel exchange market. Plans may provide additional benefits on top of mandatory ones, such as the SilverSneakers fitness program.

Required Benefits of Plan N in Vermont
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Vermont: Other Plan Types

Other plan types are available in Vermont. These include Plans A, B, C, D, K and L. However, only a few people purchase these plans because their policies are less comprehensive. If you have only been eligible for Medicare after January 1, 2020, you will not be able to get Plan C in Vermont or in other states.

MoneyGeek has identified the best companies for each plan type, but only for those with available quotes online. We were able to get quotes from UnitedHealthcare, Blue Cross Blue Shield of Vermont and Humana.

Humana is the best company for Plan A and Plan B. Blue Cross Blue Shield of Vermont is our top pick for Plan C and Plan D. UnitedHealthcare is the best option for Plan K and Plan L.

The Best Medicare Supplement in Vermont - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Humana

    $150.65

  • B

    Humana

    $163.80

  • C

    Blue Cross Blue Shield of Vermont

    $165.72

  • D

    Blue Cross Blue Shield of Vermont

    $152.33

  • F

    Blue Cross Blue Shield of Vermont

    $154.65

  • G

    Blue Cross Blue Shield of Vermont

    $183.51

  • K

    UnitedHealthcare

    $76.75

  • L

    UnitedHealthcare

    $131.50

  • N

    Humana

    $168.65

How to Find the Best Medicare Supplement Plans in Vermont

Medicare Supplement plans in Vermont are a complex topic. To help you understand them more, MoneyGeek compiled and analyzed pricing data for Vermont plan types and generated a comparison chart.

Vermont Medicare Supplement Plans Comparison Chart

Medigap policies offer varying levels of coverage. Plus, the availability of a certain plan type may depend on the time you become eligible for Medicare. Plan F and Plan C, for example, are not available to new enrollees even though they are the most comprehensive plans. Instead, Plan G and Plan D have taken their place. Our chart can help you compare Medicare Supplement plan coverage and average pricing in Vermont.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Vermont

The cost of your Medicare Supplement plan in Vermont depends on the company and the type of your plan. UnitedHealthcare has the cheapest rates for Plan A, Plan K, Plan L and Plan N. Humana is the cheapest company for Plan B, Plan F and Plan G. Blue Cross Blue Shield of Vermont offers the cheapest policies for Plan C and Plan D.

The only pricing style in Vermont is community-rated. With this style, age does not play a role in the pricing of a plan. Instead, the prices are consistent among all policyholders and prices only vary depending on the plan.

Average Cost of Medicare Supplement in Vermont

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65

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of Vermont
    $151
  • UnitedHealthcare
    $151
  • Humana
    $171

FAQs About Medicare Supplement Plans in Vermont

The following are some of the most common questions about Medicare Supplement plans in Vermont:

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Vermont for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.