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Wellabe (formerly Medico) Medicare Supplement Insurance 2025 Review

Wellabe, formerly Medico, offers low premiums with minimal extras in about half of states.
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Jul 25, 2025
Fact Checked
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Written by
Lead Writer & Content Strategist
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Edited by
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Written by
Lead Writer & Content Strategist
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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 Medigap
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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

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AARP/UnitedHealthcare Medigap - UHC (product card)
UnitedHealthcare
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🔍 AARP/UnitedHealthcare Medigap

Mutual of Omaha Medigap
Mutual of Omaha
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🔍 Mutual of Omaha Medigap

State Farm Medigap
State Farm
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🔍 State Farm Medigap

Wellabe Medigap
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🔍 Wellabe Medigap

» More options in our roundup of the best Medicare Supplement Insurance companies

Compare against other providers

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AARP/UnitedHealthcare Medigap - UHC (tables)
UnitedHealthcare
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🔍 AARP/UnitedHealthcare Medigap

State Farm Medigap
State Farm
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🔍 State Farm Medigap

» More options in our roundup of the best Medicare Supplement Insurance companies

Our full review

45+ Medicare companies and brands analyzed by our team of experts.

30+ years of combined experience covering Medicare and personal finance.

Governed by NerdWallet's strict guidelines for editorial integrity.

NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.

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

Is Wellabe a good Medicare Supplement Insurance company?

Wellabe earns 4 out of 5 stars on NerdWallet’s Medigap rubric. It scores well largely because of its low prices. If cutting costs is your main goal, Wellabe is worth a look. If you want more plan types, perks or lower complaint rates, though, competitors might have more to offer. I recommend comparing quotes from Wellabe and several other companies. Also consider working with a licensed insurance agent or broker to find the best fit for you.

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Alex Rosenberg, lead writer covering Medicare

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.

  • 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

Wellabe (formerly Medico) offers low premiums for a small variety of Medigap plan types. Downsides include minimal perks and limited state availability.
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on NerdWallet
Wellabe (formerly Medico) offers low premiums for a small variety of Medigap plan types. Downsides include minimal perks and limited state availability.
Plan types offered A, F, G and N.
NAIC complaint rate Close to expected
Premium discounts available Above average
IS THIS PROVIDER AVAILABLE IN MY STATE?

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.

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
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AARP/UnitedHealthcare Medigap logo
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(844) 939-0223 / TTY 711
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from UnitedHealthcare
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A, B, C, F, G, K, L and N.Far fewer than expectedAbove average
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4.5/5
A, F, G and N.Close to expectedAverage
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M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
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Mutual of Omaha Medigap logo
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4.0/5
A, F, G and N.Far fewer than expectedAbove average
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(855) 432-0512 / TTY 711
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on NerdWallet
4.0/5
A, C, D, F, G and N.Far fewer than expectedBelow average
(855) 432-0512 / TTY 711
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on NerdWallet