The bottom line: Wellabe (formerly Medico) Medicare Supplement Insurance policies have very low premiums, on average. In other aspects, the company is more run-of-the-mill. Its complaint rates are fine, but not extraordinary. And it doesn’t offer many plan types or non-Medicare perks — but I wouldn’t consider those major decision-making factors when picking your insurance.
It’s hard to argue with super-low prices. Wellabe is probably worth a look, as long as it sells plans where you live. (Wellabe sells Medigap plans in about half of the states.) The company doesn’t offer online quotes, though, so you’ll need to work with an agent to get a quote.
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Wellabe Medicare Supplement plan types
Wellabe sells the core set of Medigap plan types offered by nearly all companies, but none of the less-common options. However, most people new to Medicare choose a high-coverage option like Plan G or Plan N, both of which you can get from Wellabe.
» MORE: Medigap Plan G vs. Plan N
You can also buy Plan A if you want more basic coverage, potentially with a lower price tag. And if you became eligible for Medicare before 2020, you can buy Medigap Plan F. But folks who became eligible for Medicare more recently can’t buy that plan from any company.
High-deductible versions of Plan G and Plan F are available in some locations. These versions generally have much lower premiums in exchange for a significant deductible before the plan starts paying out for covered benefits.
Wellabe Medigap policies were formerly sold under the name Medico.
How much does Wellabe Medicare Supplement Insurance cost?
Market-leading low premiums
Wellabe had some of the cheapest premiums of all the companies we reviewed. Its prices for Plan G were 6% higher than the cheapest company we review, on average. For Plan N, it was about 9% higher.
The tables below show companies’ lowest prices from Medicare.gov, including any available household discounts. Rates might vary based on factors like age, sex, location and household status.
We compare prices in three cities. Each city has different average Medigap premiums:
Los Angeles: Higher costs.
Atlanta: Average costs.
Dallas: Lower costs.
We use Plan G and Plan N for price comparisons. New Medicare members usually pick one of those plan types.
The sections below show price estimates filed with the Centers for Medicare & Medicaid Services. Prices are for a 65-year-old female nonsmoker. (Note: Some Medigap prices may be higher for males.)
Our tables compare the company’s prices to the cheapest alternative among the companies NerdWallet reviews. Those companies cover nearly 90% of all Medigap beneficiaries.
Why we compare prices the way we do
In short, I want to use realistic prices when rating companies. Comparing prices among the companies we review is a way to exclude outliers, which might not stay cheap (or in business) over time.
I’m in my fifth year reviewing Medicare Supplement Insurance companies for NerdWallet. During that time, I’ve noticed that smaller companies with super-low prices often don’t stick around for long.
For example, I looked back at price quotes I analyzed in March 2024. Seven of what had been the 10 cheapest Plan G companies in Dallas are gone as of July 2026. Many of those were smaller companies we don’t review. But 12 of the 13 companies I reviewed in 2024 are still there in 2026, so they’re a more stable and realistic set to compare.
Plan G
Wellabe price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $204. | $191. |
Atlanta | $140. | $140. |
Dallas | $154. | $138. |
Plan N
Wellabe price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $153. | $146. |
Atlanta | $102. | $102. |
Dallas | $113. | $93. |
Wellabe Medigap discounts
Above-average discounts
Discounts can help you save on your Medigap premiums. We often see “household” discounts offered to people living with at least one other adult.
Wellabe’s household discount was about 12%, on average. That’s on the higher end among companies we analyzed.
Wellabe offered discounts in all three locations priced for this review. Two locations had “roommate” discounts, so you wouldn't need to live specifically with a spouse to qualify. One had a stricter spouse-only discount.
Discount amounts and availability may vary according to factors such as your location, household status and how you apply for a policy.
More Nerdy Perspective
Is Wellabe a good Medicare Supplement Insurance company?
Wellabe has good, low prices. It doesn’t really stand out in other ways, but that’s OK. If a company is going to stand out for anything, I’d want it to be for low prices. Wellabe’s premiums are some of the cheapest of any company we review, on average. I recommend comparing quotes from Wellabe and several other companies. HealthSpring is Wellabe’s main low-cost competitor, and it's available in more states. If you need more plan types or perks, take a look at AARP. And State Farm is an all-around strong option — it’s our highest-scoring company. Also consider working with a licensed insurance agent or broker to find the best fit for you.
Wellabe has good, low prices. It doesn’t really stand out in other ways, but that’s OK. If a company is going to stand out for anything, I’d want it to be for low prices. Wellabe’s premiums are some of the cheapest of any company we review, on average. I recommend comparing quotes from Wellabe and several other companies. HealthSpring is Wellabe’s main low-cost competitor, and it's available in more states. If you need more plan types or perks, take a look at AARP. And State Farm is an all-around strong option — it’s our highest-scoring company. Also consider working with a licensed insurance agent or broker to find the best fit for you.
Alex Rosenberglead writer covering MedicareCompare 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
Wellabe Medicare Supplement price increases
Premiums rise faster than average
It can be difficult or even impossible to switch Medigap plans or companies after your Medigap open enrollment period because of medical underwriting. If you might stick with the same company for decades, it’s a good idea to consider how its prices change over time.
Looking at three years’ worth of Medigap price data, I found that Wellabe’s premiums went up an average of 10.6% per year across the locations I track. That’s a little faster than average among the companies we review.
Wellabe member complaints
7% fewer complaints than average
Wellabe’s complaint rate is pretty close to average. Its members file complaints about 7% less often than the average for all Medigap companies. That’s according to 2023 to 2025 data from the National Association of Insurance Commissioners (NAIC).
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Wellabe’s spending on care
87.2% for member benefits
Wellabe Medigap plans spent about 87.2% of premiums on member benefits, according to the most recent annual data. (The other 12.8% went to overhead expenses like administrative costs, marketing, salaries and commissions.)
That’s a good number — a little higher than the 84.5% all-company average.
The medical loss ratio (MLR) is the percentage of premiums a company spends to pay members’ claims.
If the number is relatively low (down in the 70s), I might wonder why the company isn’t spending more on the benefits its members are paying for.
But if the number is very high (around 90% or higher), the company might not turn a profit after expenses. In that case, I worry that it might cut back on Medigap plans or stop offering them altogether.
Additional benefits
Fairly minor perks
Medigap plans are standardized, but companies can offer extras on top of the Medicare benefits.
Here are a few examples of perks that might be available with a Wellabe Medicare Supplement plan:
Statement credit: You might earn a $100 statement credit if you get inpatient care at a hospital in the USA Senior Care Network. You’ll need to contact the USA Senior Care Network to find participating facilities.
Hearing: Wellabe members and their families can access free hearing-related office visits and discounts on certain products and services through Start Hearing.
Rewards program: You can earn points redeemable for things like audiobooks and grocery delivery for being a Wellabe member for a certain number of years.
The statement credit and rewards program aren’t perks we typically see from other Medigap companies. But I wouldn’t consider them substantial enough to be big decision-making factors when comparing companies.
Wellabe Medicare Supplement Insurance service area
Wellabe Medicare Supplement Insurance plans are offered in 28 states.
Wellabe covers about 187,000 Medigap beneficiaries and has about a 1.2% share of the total Medicare Supplement Insurance market.
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. 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).
- Low average premiums.
- Few perks or extras.
- Limited state footprint.
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.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jul 22, 2026.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 22, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 22, 2026.
- 4.National Association of Insurance Commissioners. 2024 Medicare Supplement Loss Ratios. Accessed Jul 22, 2026.
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 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. We review companies covering nearly 87% of all Medigap beneficiaries in the United States. At the state level, our research includes the two largest Medigap insurance companies in 45 out of 50 states, plus Washington, D.C. We cover at least one of the two largest Medigap companies in every state.
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 | Annual price increases | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 5.0/5 | A, C, D, F, G and N | Far fewer than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR LOW PRICES | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N | Far more than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PLAN AVAILABILITY | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, B, C, F, G, K, L and N | Fewer than expected | Higher than average | (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 | 4.3/5 | A, F, G and N | Close to expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |