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

Transamerica offers 10 Medicare Supplement plan types: A, B, C, D, F, G, K, L, M and N. Each plan covers a standardized set of Medicare out-of-pocket costs, so a Plan G from Transamerica covers the same benefits as a Plan G from any other insurer. Plan availability, premium pricing, customer service and pricing methods are what set insurers apart.

Transamerica sells Medigap plans in 45 states and Washington, D.C. Most states have access to all 10 plan types, but California, Maryland and Ohio have a more limited selection. Transamerica uses Issue Age Pricing in most states, so your premium is based on your age when you buy the policy and won't increase just because you get older. Connecticut, Idaho, Maine, New York and Washington use Community Pricing, though, where everyone in an area pays the same rate regardless of age.

Transamerica’s Medicare Supplement rates are competitively priced, lower than national averages across most plan types at ages 65 and 75. At age 65, Plan G averages $238 per month, $35 below the national average, while Plan N costs $193, $25 less than average. Plan K is the lowest-priced option at $113 per month for 65-year-olds.

Plan F costs $304 per month at age 65, which is $29 below the national average, but rises to $425 at age 75, or $55 above average. If you’re considering long-term coverage, you should weigh how these higher costs later in life could affect overall affordability.

Transamerica Medicare Supplement plans come with added member perks beyond the standard Medigap benefits. While these extras don’t substitute core coverage, they can help reduce your out-of-pocket expenses or provide broader access to certain services.

• EasyPay Discount: Set up automatic payments to save 5% on your monthly premium. The discount applies as long as the automatic payment remains active.
• Optional Dental, Vision and Hearing Coverage: Add routine dental, vision and hearing coverage to your Medigap plan for an additional premium. Standard Medicare Supplement plans don't include these services, so this add-on helps close a common coverage gap.
• No Network Restrictions: Transamerica Medicare Supplement plans don't require members to use a specific provider network. You can see any doctor or specialist who accepts Medicare, including when traveling outside your home state.
• Issue Age Pricing: In most states, Transamerica locks in your premium based on your age at enrollment. Your rate won't increase because you get older, but it can rise due to inflation or claims experience across all policyholders.

Filter by your age and state in the table below to see what Transamerica options are available near you and what they cost.

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.

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

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: community pricing, issue-age pricing and attained age pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: community pricing 1.0, issue-age pricing 0.8, attained-age pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan and state availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular Plan G, Plan F and Plan N. Providers that have broader nationwide availability across more states also score higher.