The bottom line: Allstate has a tiny market share compared to other Medigap companies NerdWallet reviews. Sizable stacking discounts and low premiums in some locations could make it worth a look. However, it doesn’t offer much beyond low prices, as its plan selection and extra perks are limited. Jump to: Full Review
Allstate Medicare Supplement pros and cons
Pros
- Low prices: Allstate’s premiums are sometimes among the lowest on the market.
- Stacking discounts: Members who qualify for all of Allstate’s discounts might get up to 25% off of premiums in total.
Cons
- Complaints: Allstate has significantly more member complaints than the average Medigap company.
- Mediocre extras: For example, Allstate’s fitness perk is a discount, not a full membership. Some competitors offer more.
- Plan types: Only a handful of plan types are offered.
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Our full review
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Allstate Medicare Supplement Insurance rating
Allstate Medicare Supplement Insurance earned 3 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data from the National Association of Insurance Commissioners and more.
Allstate Medicare Supplement plan types
Here are the Medicare Supplement Insurance plan types Allstate offers for any Medicare member:
Medigap Plan A — the basic benefits included in every Medigap plan without any extras.
Medigap Plan N — a plan with lower premiums but higher copays.
Medigap Plan G — the highest-coverage option available to new Medicare members.
Allstate also offers Medigap Plan F and the high-deductible version of Plan F (in certain locations) for individuals who were first eligible for Medicare before 2020. Newer Medicare members can't buy these plans from any insurance company.
In addition, Allstate offers plans in Wisconsin and Minnesota that fit the states’ standards. (Massachusetts, Minnesota and Wisconsin don't use the same Medigap standardization system as the rest of the country.)
More Nerdy Perspective
Allstate could be a decent Medigap option if your goal is low monthly premiums. Allstate’s prices can be very low, depending on location, and stacking discounts could make them even lower. But plan selection and extras are limited, and the complaint rates aren’t great. As always, comparing several companies’ quotes and/or working with a licensed insurance agent or broker can help you find the best option.
Cost for Allstate Medicare Supplement Insurance
Allstate has some of the lowest prices in two of the three markets NerdWallet uses for price comparisons — but has high prices in the third. Allstate’s Medigap Plan G premiums were about 30% higher than the cheapest alternative, on average. Plan N premiums were about 34% higher.
- How we evaluate Medigap companies’ prices
The following price estimates were obtained for three metropolitan areas representing above-average, average and below-average costs for the most popular Medicare Supplement Insurance plans (Plan G and Plan N):
Los Angeles: More expensive than average.
Atlanta: Average cost.
Dallas: Less expensive than average.
The sections below show pricing information from Allstate for a 65-year-old female nonsmoker as filed with the Centers for Medicare & Medicaid Services. (Note: Some Medigap prices may be higher for males.)
For comparison, the table for each plan also includes the price for the least-expensive option to buy the same plan from any company that filed prices. For example, Allstate's price for Medigap Plan G in Los Angeles appears alongside the lowest price on Medicare.gov for all Plan G policies available in Los Angeles to an applicant with identical demographics.
Plan G
Allstate price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $269. | $148. |
Atlanta | $140. | $139. |
Dallas | $126. | $117. |
Plan N
Allstate price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $213. | $114. |
Atlanta | $106. | $98. |
Dallas | $95. | $88. |
Discounts
Allstate offers multiple discounts for qualifying members who:
Live with another person age 50 or older.
Live with another person who applied for an Allstate supplemental plan.
Pay the full annual premium in advance.
Link an activity tracker to submit data to the plan.
In most states Allstate serves, you can combine multiple Allstate discounts for more premium savings — Allstate calls this option “MultiDiscount.”
Members can also get a discount on Allstate dental, vision and hearing insurance premiums if they buy that coverage in addition to an Allstate Medigap policy.
Discount amounts and availability may vary according to factors such as your location, household status and how you apply for a policy.
Allstate member complaints
190% more complaints than average
Members file complaints about Medicare Supplement Insurance plans from Allstate at a rate about 190% higher than the average for all Medigap plans, according to 2022 and 2023 data from the National Association of Insurance Commissioners for Allstate.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Allstate’s spending on care
94.2% for member benefits
Allstate Medigap plans spent about 94.2% of premiums on member benefits, according to the most recent annual data. (The other 5.8% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all companies is 83.9%.
Medicare Supplement Insurance providers must report data on the premiums they collect and how much they spend to provide benefits for members. The minimum required by law for individual Medigap policies is 60%.
Additional benefits
Medigap plans are standardized, but companies can offer extras on top of the Medicare benefits.
Here are some extra perks that might be available to Allstate Medigap members:
Fitness program: Members can access a network of fitness centers for a reduced monthly rate.
Hearing discounts: Discounts are available through Amplifon hearing.
Allstate Medicare Supplement Insurance service area
Allstate offers Medicare Supplement Insurance plans in 41 states and Washington, D.C.
Allstate covers about 44,000 Medigap beneficiaries and has about a 0.17% share of the total Medicare Supplement Insurance market as of the end of 2023.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
- Some of the lowest premiums in certain markets.
- Multiple combinable premium discounts.
- High complaint rates.
- Fitness perk is a discount, not a full membership.
- Few plan types offered.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Feb 20, 2025.
- 2.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Feb 20, 2025.
- 3.National Association of Insurance Commissioners. Company Complaint Index. Accessed Feb 20, 2025.
- 4.National Association of Insurance Commissioners. 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Feb 20, 2025.
- 5.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Feb 20, 2025.
- 6.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Feb 20, 2025.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST FOR MEDIGAP PLAN OPTIONS | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | ||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | ||
BEST FOR MEMBER SATISFACTION | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | |
BEST FOR EXTRA BENEFITS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.5/5 | A, F, G and N. | More than expected | Above average | |
BEST FOR LOW PREMIUMS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, F, G and N. | More than expected | Above average | |