The bottom line: State Farm is one of NerdWallet’s top 2025 Medigap picks. It sells Medigap policies in most states and members have few complaints about them. Its premiums are sometimes very low, but can be pricier in some locations, and competitors offer more opportunities for discounts or added perks with your policy. Jump to: Full Review
State Farm Medicare Supplement Insurance pros and cons
Pros
- Minimal complaints: State Farm members file complaints at rates over 50% below the average for all Medigap insurance companies on the market.
- Low prices in certain locations: Premiums in Los Angeles, a high-cost location, were the lowest on the market.
Cons
- Not many perks or discounts: State Farm doesn’t keep up with competitors that offer various discounts on premiums and added perks like fitness benefits.
- High prices in certain areas: In some locations, you can find significantly lower prices on plans from State Farm’s competitors, even before 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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State Farm Medicare Supplement Insurance rating
State Farm Medicare Supplement Insurance earned 4 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.
Based on these ratings, State Farm Medicare Supplement Insurance is one of the highest rated options on our list of the best Medicare Supplement Insurance companies.
State Farm Medicare Supplement Insurance plans
State Farm offers four Medicare Supplement Insurance plan types available for purchase by any Medicare beneficiary in most states:
Medigap Plan A — the basic benefits included in every Medigap plan without any extras.
Medigap Plan D — a middle cost option that covers most Medigap benefits.
Medigap Plan G — the highest-coverage option available to new Medicare members.
Medigap Plan N — a plan with lower premiums but higher copays.
State Farm also offers Medigap Plan C and Medigap Plan F for qualifying beneficiaries who were eligible to enroll in Medicare prior to 2020. Newer Medicare members can’t buy these plans from any company.
In addition, State Farm offers Medicare Supplement Insurance in Minnesota and Wisconsin that fits each state’s respective standards, which differ from the standardization system used in the majority of the country.
More Nerdy Perspective
State Farm scores 4 out of 5 stars on NerdWallet’s rubric, making the company one of our top Medicare Supplement Insurance picks for 2025. It stands out with very low complaint rates and some very low prices. But State Farm doesn’t offer the kinds of premium discounts or bundled perks we see from most competitors. It’d be a good move to consider State Farm alongside quotes from other companies and/or work with a licensed insurance agent or broker to find your best Medigap option.
Cost for State Farm Medicare Supplement Insurance
State Farm’s prices vary significantly by location — sometimes they’re the cheapest, but sometimes they’re less competitive. State Farm’s prices for Medigap Plan G were about 20% higher than the least expensive option in the area, on average. Prices for Plan N were about 22% higher.
- How we compare 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 for the U.S.
Dallas: Less expensive than average.
The sections below show estimated pricing information from State Farm 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, each table also includes the price for the least-expensive option to buy the same plan from any company that filed prices. For example, State Farm’s lowest estimated 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 demographic
Plan G
State Farm price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $148. | $148. |
Atlanta | $192. | $139. |
Dallas | $141. | $117. |
Plan N
State Farm price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $114. | $114. |
Atlanta | $147. | $98. |
Dallas | $102. | $88. |
Discounts
Some Medicare Supplement Insurance companies might offer premium discounts to qualifying enrollees who, for example, bundle multiple kinds of insurance, set up autopay or live with another adult who has a Medigap policy from the same company.
State Farm doesn’t advertise premium discounts specific to its Medigap policies.
State Farm member complaints
54% fewer complaints than average
State Farm members file complaints about their Medicare Supplement Insurance policies 54% less often than the average for all Medigap insurance companies, according to 2022 and 2023 data from the National Association of Insurance Commissioners. That’s the lowest of any Medigap company NerdWallet reviews.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
State Farm’s spending on care
78.9% for member benefits
State Farm Medigap plans spent about 78.9% of premiums on member benefits, according to the most recent year of data. (The other 21.1% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all companies is 83.9%.
Medicare Supplement Insurance companies 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 have standardized Medicare benefits, but insurance companies can offer additional perks. While some competitors offer extra benefits like gym memberships or discounts on hearing aids and eyewear, State Farm doesn’t publicize similar extras for its Medicare Supplement Insurance policies.
State Farm Medicare Supplement Insurance service area
State Farm offers Medicare Supplement Insurance in 45 states and Washington, D.C. (State Farm doesn’t offer Medigap policies in Connecticut, Massachusetts, New Jersey, New York or Rhode Island.)
State Farm covers over 100,000 Medigap beneficiaries and has about a 0.9% 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.
About State Farm
State Farm, headquartered in Bloomington, Illinois, was founded in 1922 to provide auto insurance to rural customers. Its lines of business have since grown to include home, business, life, health and disability insurance, as well as banking, investing and other financial services. Medicare Supplement Insurance is State Farm’s only Medicare product.
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).
Best for Member satisfaction
- Complaint rates over 50% below the market average.
- Competitive prices in some higher-cost locations.
- Few discounts or health and wellness perks.
- High premiums in some locations.
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 25, 2025.
- 2.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Feb 25, 2025.
- 3.National Association of Insurance Commissioners. Company Complaint Index. Accessed Feb 25, 2025.
- 4.National Association of Insurance Commissioners. 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Feb 25, 2025.
- 5.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Feb 25, 2025.
- 6.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Feb 25, 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 | |