If you’re approaching age 65 or already enrolled in Original Medicare, you’ve probably heard of Medigap (Medicare Supplement Insurance). Medigap helps cover the “gaps” left by Medicare Parts A and B, such as copayments, coinsurance, and deductibles. Two of the most trusted providers offering Medigap plans nationwide are UnitedHealthcare and Blue Cross Blue Shield (BCBS).
In this detailed comparison, we break down UnitedHealthcare vs Blue Cross for Medigap in 2025, focusing on pricing, plan availability, member benefits, underwriting, and customer satisfaction, so you can make a confident decision.
What Is Medigap Insurance?
Medigap (also called Medicare Supplement Insurance) is private health insurance that:
- Covers costs not paid by Original Medicare
- Works with Medicare Parts A and B
- Requires you to be enrolled in Original Medicare
- Offers standardized plans (Plan G, Plan N, etc.) across most states
Each company offers the same core benefits per plan type, but costs, customer service, and extra features can vary widely.
Company Overview
UnitedHealthcare (UHC)
- Underwritten by UnitedHealthcare Insurance Company
- Offered in partnership with AARP
- Available in all 50 states
- Largest provider of Medigap plans in the U.S.
- Known for nationwide stability and AARP branding
Blue Cross Blue Shield (BCBS)
- Offered through state-based affiliates (e.g., Anthem, BCBS of Texas, BCBS of Michigan)
- Available in most states
- Offers regional pricing and service
- Known for strong provider networks and community presence
Medigap Plan Availability (2025)
| Plan Type | UnitedHealthcare | Blue Cross Blue Shield |
| Plan A, B, C | Yes (in limited states) | Yes (varies by affiliate) |
| Plan G | Yes – most popular plan offered | Yes – widely available |
| Plan N | Yes | Yes |
| High-Deductible Plan G | Yes | Yes (in many regions) |
Verdict: Both companies offer all major standardized Medigap plans, but UnitedHealthcare offers consistent national availability, while Blue Cross options depend on your state.
Pricing Comparison
Medigap pricing varies by location, age, gender, tobacco use, and enrollment timing.
| Feature | UnitedHealthcare | Blue Cross Blue Shield |
| Average Plan G Premium | $115 – $180/month (varies by ZIP) | $120 – $190/month (varies by ZIP and affiliate) |
| Household Discounts | Yes (up to 5% in many states) | Yes (5–15% depending on affiliate) |
| Community Rating | Available in some states | Available in some states |
| Issue-Age or Attained-Age Rating | Yes (state-specific) | Yes (varies by affiliate) |
Verdict: UnitedHealthcare often has slightly lower entry premiums, but Blue Cross may offer better discounts depending on the state.
Extra Benefits & Features
| Benefit | UnitedHealthcare (AARP Medigap) | Blue Cross Blue Shield (varies by affiliate) |
| Gym/Fitness Perks | Yes – Renew Active (included) | Yes – SilverSneakers or similar (varies) |
| Vision/Dental Discounts | Yes (discounts, not full coverage) | Yes (varies by state) |
| 24/7 Nurse Line | Yes | Yes (in most regions) |
| Hearing Aid Discounts | Yes – through affiliated programs | Yes – varies by affiliate |
| Health & Wellness Discounts | Yes – wellness portals & discounts | Yes – varies by affiliate |
Verdict: UnitedHealthcare provides consistent extras like Renew Active nationwide, while Blue Cross varies by region but may offer stronger localized benefits.
Customer Satisfaction & Service
| Factor | UnitedHealthcare | Blue Cross Blue Shield |
| Brand Recognition | Very strong, boosted by AARP partnership | High trust in local Blue affiliates |
| Customer Service | Rated above average nationally | Varies by state – some affiliates rate higher |
| Claims Processing | Fast, nationwide systems | Strong, with local autonomy |
| Ease of Enrollment | Very user-friendly process | Depends on the state and website |
Verdict: UHC provides a more centralized, streamlined experience, while BCBS may offer a more personalized, local service depending on the affiliate.
Enrollment & Underwriting
| Category | UnitedHealthcare | Blue Cross Blue Shield |
| Guaranteed Issue Period | Yes (during Medigap Open Enrollment) | Yes |
| Medical Underwriting | May apply if enrolling outside OEP | Yes – same rules as UHC |
| Online Application | Yes – quick and user-friendly | Yes (varies by state and affiliate) |
Verdict: Both follow federal Medigap guidelines, but UHC’s online enrollment process is often easier and more uniform.
Pros and Cons
UnitedHealthcare (AARP Medigap)
Pros:
- Available in all states
- Backed by AARP
- Nationwide network and uniform service
- Consistent wellness extras (Renew Active)
- Strong reputation for Medicare supplements
Cons:
- Must be an AARP member (small annual fee)
- Less flexibility in negotiating local rates
Blue Cross Blue Shield
Pros:
- Deeply embedded in local healthcare systems
- Offers stronger regional discounts and perks
- SilverSneakers often included
- Trusted nonprofit reputation
Cons:
- Plan availability and benefits vary by state
- Enrollment and rates may be more complex to compare
Which Should You Choose?
Choose UnitedHealthcare (AARP) if:
- You want a nationally consistent plan
- You prefer easy enrollment and strong digital tools
- You value wellness extras like Renew Active
- You’re already an AARP member (or willing to join)
Choose Blue Cross Blue Shield if:
- You want a local plan with strong regional relationships
- You qualify for a state-specific household discount
- You want access to SilverSneakers or local wellness perks
- You live in a state where your BCBS affiliate is highly rated
Both UnitedHealthcare and Blue Cross Blue Shield offer excellent Medigap plans in 2025. The right choice depends on where you live, what benefits you value most, and whether you prefer national consistency or local support.
Before choosing:
- Get quotes from both providers in your ZIP code
- Compare Plan G and Plan N premiums and benefits
- Confirm provider networks and extra discounts
- Enroll during your 6-month Medigap open enrollment period to avoid underwriting