The bottom line: Wellabe (formerly Medico) Medicare Supplement Insurance policies have very low premiums, on average. But other aspects, such as plan types and extras offered, aren’t as strong as competitors. Jump to: Full Review
Wellabe Medicare Supplement pros and cons
Pros
- Low prices: Wellabe had the cheapest premiums for Plan N among the companies we reviewed. For Plan G, it was second cheapest.
Cons
- Minimal perks: Competitors might offer more and better bundled extras, such as fitness benefits.
- Availability: Plans are available in only about half of states.
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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Wellabe Medicare Supplement Insurance rating
Wellabe (Medico) 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 and more.
Wellabe Medicare Supplement plan types
Here are the Medicare Supplement Insurance plan types Wellabe 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. Available as a high-deductible plan in certain locations.
Wellabe 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 Wisconsin, Wellabe offers plans that fit the state’s standards. (Wisconsin uses a different Medigap plan system than most of the country.)
Wellabe Medigap policies were formerly sold under the name Medico. While the Medico-to-Wellabe rebranding is ongoing, you might still see the Medico name on shopping tools and certain official materials.
More Nerdy Perspective
How much does Wellabe Medicare Supplement Insurance cost?
Wellabe had some of the cheapest premiums of all the companies we reviewed. Its prices for Plan G were 21% higher than the cheapest alternative, on average. For Plan N, it was about 20% 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, Wellabe'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
Wellabe price | Medicare.gov lowest price | |
---|---|---|
Los Angeles | $187. | $162. |
Atlanta | $128. | $120. |
Dallas | $141. | $101. |
Plan N
Wellabe price | Medicare.gov lowest price | |
---|---|---|
Los Angeles | $140. | $124. |
Atlanta | $93. | $86. |
Dallas | $104. | $75. |
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. These are “roommate” discounts, so you don’t need to live specifically with a spouse to qualify.
Discount amounts and availability may vary according to factors such as your location, household status and how you apply for a policy.
Wellabe member complaints
14% more complaints than average
Wellabe’s complaint rate is so-so. Its members file complaints about 14% 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.
Wellabe’s spending on care
83.7% for member benefits
Wellabe Medigap plans spent about 83.7% of premiums on member benefits, according to the most recent annual data. (The other 16.3% 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.
Beneficiaries with a Wellabe Medicare Supplement Insurance policy might earn a $100 statement credit if they 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.
Wellabe members and their families also have access to Start Hearing, which provides free hearing-related office visits and discounts on certain products and services.
Wellabe Medicare Supplement Insurance service area
Wellabe Medicare Supplement Insurance plans are offered in 28 states.
Wellabe covers over 160,000 Medigap beneficiaries and has about a 1.1% 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 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 low prices

- Low average premiums.
- Few perks or extras.
- Limited state footprint.
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 24, 2025.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 24, 2025.
- 3.National Association of Insurance Commissioners. 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 24, 2025.
- 4.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Jul 24, 2025.
- 5.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Jul 24, 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 | ||
BEST FOR EXTRA BENEFITS | |||||
4.5/5 | A, F, G and N. | Close to expected | Average | ||
BEST FOR PREMIUM DISCOUNTS | |||||
4.0/5 | A, F, G and N. | Far fewer than expected | Above average | ||
BEST FOR MEMBER SATISFACTION | |||||
4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average |