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Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Wellabe
Wellabe (formerly Medico) offers Medigap plans with rock-bottom prices and several available discounts, but availability is limited and complaint rates aren't ideal.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to 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.
More than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Below average
Pros
Lower prices than almost all competitors.
Cons
High complaint rates.
Limited state footprint.
Discount amounts aren't published online.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to 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.
More than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Below average
Pros
Lower prices than almost all competitors.
Cons
High complaint rates.
Limited state footprint.
Discount amounts aren't published online.
Wellabe Medicare Supplement Insurance, or Medigap, is available in 27 states. These 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.
Wellabe offers Medigap Plan A, Plan G and Plan N for any Medicare member, plus Plan F for those who qualify. The company’s prices are low and there are several available discounts, but its complaint rates are on the high side.
Here's what you should know about Wellabe (Medico) Medicare Supplement Insurance.
Wellabe (Medico) Medicare Supplement Insurance
3.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Wellabe (Medico) Medicare Supplement Insurance earned 3 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, complaint data from the National Association of Insurance Commissioners and more.
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 addition, Wellabe 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.)
Cost for Wellabe (Medico) Medicare Supplement Insurance
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)
NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Mar 25, 2024.
The sections below show pricing information from Wellabe or Medico 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, Wellabe’s price for Medigap Plan G in Philadelphia appears alongside the lowest price on Medicare.gov for all Plan G policies available in Philadelphia to an applicant with identical demographics.
Plan G
On average, Wellabe’s estimated premiums for Medigap Plan G were about 8% higher than the least expensive Plan G policy in the area.
Wellabe (Medico) price
Medicare.gov lowest price
Philadelphia
$142.
$134.
Atlanta
$130.
$119.
Dallas
$120.
$109.
Plan N
On average, Wellabe’s estimated premiums for Medigap Plan N were about 10% higher than the least expensive Plan N policy in the area.
Wellabe (Medico) price
Medicare.gov lowest price
Philadelphia
$109.
$97.
Atlanta
$96.
$90.
Dallas
$92.
$82.
Discounts
Wellabe offers several possible discounts for qualifying members who:
Don’t smoke.
Pay by automatic bank account withdrawals.
Live with another person age 50 or older.
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
53% more complaints than average
Members file complaints about Medicare Supplement Insurance plans from Wellabe at a rate about 53% higher than the average for all Medigap plans, according to 2022 data from the National Association of Insurance Commissioners for Wellabe (Medico) and its subsidiaries that sell Medicare Supplement Insurance policies
National Association of Insurance Commissioners. Company Complaint Index. Accessed Mar 25, 2024.
Medigap plans are standardized, but companies can offer extras on top of the Medicare benefits.
Beneficiaries with a Wellabe (Medico) 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 Medicare Supplement Insurance service area
Wellabe (Medico) Medicare Supplement Insurance plans are offered in 27 states.
Wellabe covers about 90,000 Medigap beneficiaries and has about a 0.7% share of the total Medicare Supplement Insurance market
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.
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).
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 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. 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.
