The bottom line: Aflac is a newcomer to Medicare Supplement Insurance, having entered the market in 2022. Aflac plans have competitive premiums, and the company spends a large proportion of those premiums on benefits rather than overhead. But its complaint rates are high, and competitors offer more extras. Jump to: Full Review
Aflac Medicare Supplement pros and cons
Pros
- Lower prices: While not the absolute lowest, Aflac’s premiums are cheaper than many competitors.
- Spending on care: Aflac spends much more on member benefits and less on overhead than the average Medicare Supplement Insurance company.
Cons
- Complaints: Aflac members file complaints about their Medigap policies at rates much higher than the average for all companies.
- Few extras: Aflac doesn’t advertise any added perks, such as fitness memberships or hearing and vision discounts, which are common from competitors.
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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Aflac Medicare Supplement Insurance rating
Aflac Medicare Supplement Insurance earned 2.5 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.
Aflac Medicare Supplement plan types
Here are the Medicare Supplement Insurance plan types Aflac 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.
Aflac also offers Medigap Plan F for individuals who were first eligible for Medicare before 2020. Newer Medicare members can't buy these plans from any insurance company.
In addition, Aflac offers plans in Wisconsin that fit the state’s standards. (Massachusetts, Minnesota and Wisconsin don't use the same Medigap standardization system as the rest of the country.)
More Nerdy Perspective
Aflac is a mixed bag — it's not one of my top picks. On the pro side, its prices are solid, and it’s not spending too much on overhead. On the con side, there are few extras, and the complaint rates are bad. It would be a good idea to compare quotes from Aflac and several other companies and/or work with a licensed insurance agent or broker to find your best option.
Cost for Aflac Medicare Supplement Insurance
Aflac’s Medicare Supplement Insurance premiums tend toward the lower side. Aflac’s Medigap Plan G premiums were about 22% higher than the least expensive alternative offered in the same location, on average, in estimates obtained for this review. Plan N premiums were about 21% more expensive.
- 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 Aflac 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, Aflac’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
Aflac price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $215. | $148. |
Atlanta | $152. | $139. |
Dallas | $132. | $117. |
Plan N
Aflac price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $164. | $114. |
Atlanta | $104. | $98. |
Dallas | $100. | $88. |
Discounts
Aflac might offer a household discount to qualifying applicants who live with a spouse or certain other people. Discount amounts and availability may vary according to factors such as your location, household status and how you apply for a policy.
Aflac member complaints
293% more complaints than average
Members file complaints about Aflac’s Medicare Supplement Insurance plans at a rate about 293% higher than the average for all Medigap plans, according to 2022 and 2023 data from the National Association of Insurance Commissioners for Aflac and its subsidiaries that sell Medicare Supplement Insurance.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Aflac’s spending on care
96.3% for member benefits
Aflac Medigap plans spent about 96.3% of premiums on member benefits, according to the most recent annual data. (The other 3.7% 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.
While some competitors offer extra perks like gym memberships or discounts on hearing aids and eyewear, Aflac doesn’t publicize similar extras for its Medicare Supplement Insurance policies.
Aflac Medicare Supplement Insurance service area
Aflac offers Medicare Supplement Insurance plans in 42 states. (Aflac doesn’t offer plans in Alaska, Connecticut, Hawaii, Maine, Massachusetts, Minnesota, New York or Washington.)
Aflac covers about 30,000 Medigap beneficiaries and has about a 0.07% 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).
- Relatively low prices.
- High proportion of premium income spent on care rather than overhead.
- High complaint rates.
- Competitors offer more perks and extras.
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 19, 2025.
- 2.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Feb 19, 2025.
- 3.National Association of Insurance Commissioners. Company Complaint Index. Accessed Feb 19, 2025.
- 4.National Association of Insurance Commissioners. 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Feb 19, 2025.
- 5.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Feb 19, 2025.
- 6.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Feb 19, 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 | |