WoodmenLife Medicare Supplement Plans
WoodmenLife offers Medicare Supplement plans backed by over 135 years of financial strength and stability.
By Lou Spatafore – Updated Jul 8, 2026
Reviewed by Misty Berryman – Fact checked by Mike Montes
— Forbes 2026
Forbes 2026 America’s Best Insurance Companies
WoodmenLife ranked #1 nationwide in Permanent Life Insurance and earned one of only 93 positions out of 3,100 eligible companies, as voted by real policyholders. This marks WoodmenLife’s fourth consecutive year receiving this recognition, earning them the prestigious Forbes Four-Year Champion Badge.
Founded in 1890, WoodmenLife is a fraternal benefit society with over 135 years of financial stability. The organization maintains an A+ (Superior) rating from A.M. Best (reaffirmed February 1, 2023) and manages more than $11 billion in total assets.
— What it is
What Is WoodmenLife Fraternal Benefit Society?
A not-for-profit membership organization that provides life insurance and financial products while supporting community service and charitable work. Members receive mutual support and benefits, governed by elected boards.
— MediGap
WoodmenLife Medicare Supplement Plans (MediGap)
WoodmenLife offers standardized MediGap plans including Plans A, G, and N.
Plan G
Comprehensive coverage of all Medicare Parts A and B approved expenses not paid by Medicare, including deductibles, copays, and excess charges. Your only out-of-pocket expense is the annual Medicare Part B deductible ($240 in 2026).
Plan N
Nearly identical to Plan G but does not cover Medicare excess charges. Ideal for residents in states prohibiting excess charges: Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.
High-Deductible Plan G
Same benefits as standard Plan G with a $2,800 annual deductible (instead of $240) in exchange for significantly lower monthly premiums. Best suited for those in good health with savings to cover potential medical costs.
Note: MediGap plans do not cover prescription drugs.
Consider adding a Medicare Part D policy for drug coverage.
— Benefits
WoodmenLife Member Benefits
Family Legacy Program
Up to $1,000 per month for care of orphaned children of deceased members until age 19 (or 22 if enrolled in higher education).
Life's Perks™ Discount Program
Access to discounts at over 30,000 vendors worldwide on cell phones, restaurants, wholesale clubs, furniture, automobiles, homes, and local businesses.
— Pros
Why Choose WoodmenLife?
Member-First Approach
As a not-for-profit fraternal organization, profits are reinvested to support members and communities
Financial Strength
A+ rating from A.M. Best, $11+ billion in assets, 135+ years of stability
Recognized Excellence
Forbes 2026 #1 ranking in Permanent Life Insurance, Four-Year Champion Badge
Community Impact
Supports First Responders, Veterans, families, and local communities nationwide
— Testimonials
We’ve helped people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
“I look forward to having MediGap Advisors help me sail the uncharted waters I will be experiencing during the next year or so with regard to Medicare coverage.
I especially would like to thank Misty for her help the last several years. She deserves many accolades, in my book.”
Robert N. (CO)
“Mike always answers all my concerns thoroughly. That’s why I stay with him for all of our Medicare needs.”
Janice B. (VA)
— Next Steps
Get Started with WoodmenLife
For expert, personalized help selecting the best plan for your circumstances, schedule a free consultation with a MediGap Advisors Personal Benefits Manager.
Note: We do not offer every plan available in every area – only those we feel offer the best value. Any information we provide is limited to those plans we offer in your area. Contact Medicare.gov or 1-800-MEDICARE for information on all your options.
— Common Questions
WoodmenLife Frequently Asked Questions (FAQs)
Which Medicare Supplement plans does WoodmenLife offer?
WoodmenLife offers Medicare Supplement Plans A, G, High Deductible G, and N. Plan F is also available, but only to those who became eligible for Medicare before January 1, 2020.
Is WoodmenLife’s Medicare Supplement insurance connected to the federal Medicare program?
No. WoodmenLife Medicare Supplement plans are not connected with or endorsed by the U.S. government or the federal Medicare program. WoodmenLife is a private fraternal benefit society that underwrites its own certificates.
How does WoodmenLife’s High Deductible Plan G work?
High Deductible Plan G provides the same coverage as standard Plan G, but requires policyholders to meet a higher annual deductible before benefits apply. In exchange, monthly premiums are significantly lower than standard Plan G.
What is WoodmenLife’s financial strength rating?
WoodmenLife holds an A+ (Superior) rating from AM Best, the second-highest rating on AM Best’s scale, and has maintained this rating for 47 consecutive years.
Is WoodmenLife a for-profit insurance company?
No. WoodmenLife is a not-for-profit fraternal benefit society founded in 1890. Rather than distributing profits to shareholders, WoodmenLife reinvests earnings to support members and their communities.
Do WoodmenLife Medicare Supplement policyholders receive any benefits beyond insurance coverage?
Yes. As WoodmenLife members, Medicare Supplement policyholders gain access to fraternal member benefits, which vary by membership length and eligibility and are not part of the insurance contract itself.
— What People Say
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