The bottom line: Aflac started offering Medicare Supplement Insurance in 2022. It spends a large portion of its premiums on benefits rather than overhead. Aflac’s complaint rates are high, though, and competitors offer more extras. Jump to: Full Review
Aflac Medicare Supplement Insurance pros and cons
Pros
- Spending on care: Aflac spends much more on member benefits and less on overhead than the average Medicare Supplement Insurance company.
Cons
- Complaints: Members file complaints about Aflac Medigap policies much more often than average.
- Few extras: Unlike most competitors, Aflac doesn’t advertise any added perks, such as fitness memberships or health and wellness discounts.
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 and more.
Aflac Medicare Supplement Insurance plans
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 people 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 plan system as the rest of the country.)
More Nerdy Perspective
Aflac isn’t one of my top picks. On the plus side, it spends a lot of its premium income on benefits rather than overhead. But there are competitors with fewer complaints, lower prices and more bundled extras. I recommend comparing quotes from several companies to find your best option. Also consider working with a licensed insurance agent or broker to find a good policy for you.
How much does Aflac Medicare Supplement Insurance cost?
Aflac’s prices fall in the middle of the pack. Its Plan G premiums were about 36% higher than the least expensive alternative. For Plan N, Aflac’s premiums averaged 31% higher.
- How we evaluate Medigap companies’ prices
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. For example, Aflac's best price for Plan G in Los Angeles is next to the lowest price from any company on Medicare.gov for the same plan.
Plan G
Aflac price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $222. | $162. |
Atlanta | $158. | $120. |
Dallas | $141. | $101. |
Plan N
Aflac price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $169. | $124. |
Atlanta | $106. | $86. |
Dallas | $101. | $75. |
Aflac Medigap discounts
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.
Aflac offered household discounts of about 10% in all three locations priced for this review. It offers “roommate” discounts, so you don’t need to live specifically with a spouse to qualify.
Discount size and availability might vary with location, household status, how you apply or other factors.
Aflac member complaints
262% more complaints than average
Aflac’s complaint rates are bad. Members filed complaints about Aflac Medigap policies 262% more often than the average for all Medigap companies. That’s according to 2022 to 2024 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.
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.
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, Washington state or Washington, D.C.)
Aflac covers about 30,000 Medigap beneficiaries. Its share of the total Medicare Supplement Insurance market is about 0.1%.
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).
- 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.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jul 28, 2025.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 28, 2025.
- 3.National Association of Insurance Commissioners. 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 28, 2025.
- 4.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Jul 28, 2025.
- 5.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Jul 28, 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 OVERALL | |||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
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 | 4.5/5 | A, F, G and N. | Close to expected | 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 PREMIUM DISCOUNTS | |||||
4.0/5 | A, F, G and N. | Far fewer than expected | Above average | on NerdWallet | |
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 | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |