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

Transamerica sells 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. A Plan G from Transamerica covers the same benefits as a Plan G from any other insurer. Transamerica's rates, geographic reach and pricing method set it apart from competitors and those are the factors that determine whether it's the right fit for you.   

Plan G at $238 per month is the right starting point for most 65-year-olds entering Medicare. It covers the Part A deductible and all Part B co-insurance except the annual deductible and its rate is $30 below the national average. If you have fewer than a handful of doctor visits per year and can absorb $20 copays, Plan N at $193 per month works better.

Plan K at $113 per month is the lowest-cost option, best for healthy enrollees who want a low base premium and are willing to pay 50% of covered costs up to the $8,000 annual cap. Plan F buyers who became eligible for Medicare before January 1, 2020, should compare Transamerica's rate against Plan G before enrolling. By age 75, Plan G costs $135 per month less.

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, where everyone in an area pays the same rate regardless of age.

Plan N's $44 gap below the national average holds flat from age 65 to 75. Transamerica holds Plan N's deviation at exactly $44 across the full 10-year span. For a 65-year-old buying today, that means the $44 monthly savings you get at enrollment is the same $44 savings you'll still have at 75. Plan G covers its $30 advantage flat through age 75. Plan F is the exception: its +$55 deviation is also flat, which means Transamerica never becomes price-competitive on Plan F as you age.

Transamerica's Medicare Supplement rates are lower than national averages across most plan types at ages 65 and 75, per MoneyGeek's analysis of Medicare.gov rate data. At age 65, Plan G averages $238 per month, $30 below the national average. Plan N is $193, which is $44 below 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 and $425 at age 75. Buyers who became eligible for Medicare before January 1, 2020, and want Plan F should compare its long-term cost against Plan G before enrolling. By age 75, Plan G at $290 per month costs $135 less per month than Plan F.

Transamerica includes four member benefits that standard Medigap plans don't offer: an autopay discount, optional dental/vision/hearing coverage, no network restrictions and issue-age pricing in most states.

• 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 exclude these services, so this add-on covers costs that your base policy won't.
• 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 Transamerica may raise it 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.

Transamerica is a strong Medigap choice for most 65-year-olds entering Medicare, particularly on Plan G and Plan N. Both plans costs below the national average at enrollment and hold that gap through age 75, per our analysis of Medicare.gov rate data.

Plan G at $238 per month is the right pick for buyers who want broad coverage and a below-average rate with predictable pricing over time. If you require light medical use and can absorb $20 office visit copays and $50 emergency room copays, Plan N from Transamerica would suit you. Plan K at $113 per month is the cheapest option, best for healthy 65-year-olds who rarely use care.

Plan F buyers and residents of California, Maryland and Ohio have the clearest reason to compare elsewhere. Transamerica's Plan cost $55 above the national average and that gap doesn't close with age. California residents are limited to six plan types. Compare rates from AARP/UnitedHealthcare and Aetna if Plan F is your target and from Cigna or Humana if you're in one of those three states.

Rates reflect quotes for a 65-year-old and a 75-year-old in each state using the Medicare.gov Plan Finder, collected in June 2026. National averages are calculated from all available Medigap insurer rates in the Medicare.gov dataset for each plan type and age. 

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: 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%): A wider range of plan types scores higher, with additional weight given to Plan G, Plan F and Plan N. Broader nationwide reach across more states also lifts the score.