Best Medicare Supplement Plans in Vermont (2026)

The best Medicare Supplement plans in Vermont vary by plan letter, even though coverage is standardized across all plans. Our review of the Medigap market in the state shows Medco Containment has the lowest average premiums for two of the most popular options, with Plan G priced at $190 per month and Plan F at $250 per month. If you want lower monthly costs with modest cost sharing, State Farm provides the most affordable Plan N at $147 per month.

The best Medicare Supplement plan for you will depend on your age, the level of coverage you want and how each insurer structures pricing over time. The table below compares top Vermont providers by plan type, monthly cost and estimated savings to help you choose your best option.

*Prices are for 65-year-olds.

In Vermont, Medco Containment offers Plan G at rates about 30% below the state average, making it one of the most affordable options for seniors seeking comprehensive Medigap coverage. State Farm and AFLAC also provide competitive Plan G premiums, giving you several strong choices depending on your preferred insurer and coverage needs.

In Vermont, Plan F costs $250 to $298 monthly based on pricing style and deductible options. Medco Containment offers the cheapest Plan F at $250 monthly, 20% below the state average. AFLAC ($254 monthly) and Aetna ($258 monthly) also provide competitive rates, saving residents hundreds each year.

Vermont Medigap Plan N premiums range from $147 to $218 per month. State Farm offers the lowest rate at $147 monthly, saving residents $900 per year, or 34% below the state average. AFLAC rates are $154 per month and Medco Containment rates are $160 per month, providing additional competitive options.

Choosing the best Medicare Supplement plan in Vermont depends on your age, the plan type you need, and your overall coverage preferences. Use the filterable table below to compare rates, providers, and plan options to find the policy that best fits your healthcare needs and budget.

Medicare Supplement plans in Vermont average $240 monthly for 65-year-olds, with Medicare Supplement insurance costs from $112 to $334 across 10 standardized plan types. Plan K costs the least at $112 monthly while Plan C costs the most at $334.

The most popular plans (Plan G, Plan F and Plan N) average $271, $311 and $222 per month, respectively.

After choosing your plan type, you'll want to compare providers in Vermont. Look for these key factors when evaluating Medicare Supplement companies.

Vermont residents seeking help with Medicare can access multiple resources that provide free assistance at no cost to you.

• Vermont State Health Insurance Program (SHIP): Trained volunteers offer unbiased guidance to help you understand Medicare, compare plans and avoid insurance fraud. The program covers Medicare Supplement, Medicare Advantage and Part D prescription drug coverage through free, confidential individual counseling sessions. Visit Vermont SHIP.
• Vermont Department of Financial Regulation: Publishes rate comparisons for Medicare Supplement plans and runs a helpline to assist with insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams. Visit the Vermont Department of Financial Regulation.
• Vermont Association of Area Agencies on Aging: Serves older adults with information and programs, including assistance with Medicare enrollment and benefits counseling. The agencies provide access to local community resources for seniors and caregivers throughout the state. Find Your Local Agency.
• Medicare.gov: The official federal Medicare website offers comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans available in your ZIP code. Visit Medicare.gov.

Frequently asked questions about Medigap coverage in Vermont answered below.

MoneyGeek collected Vermont Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.

We scored Vermont Medigap companies across three categories to create a weighted score out of 5:

• Affordability (50%): Lower monthly premiums earn higher scores.
• Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
• Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.