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NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates pricing, complaint data, online quote availability, coverage options and more.
Allstate sometimes offers the lowest Medigap premiums on the market, even before its stacking discounts, but it gets many more member complaints than average.
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.
Far 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.
Above average
Pros
Some of the lowest premiums in certain markets.
Multiple combinable premium discounts.
Cons
High complaint rates.
Fitness perk is a discount, not a full membership.
Few plan types offered.
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.
Far 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.
Above average
Pros
Some of the lowest premiums in certain markets.
Multiple combinable premium discounts.
Cons
High complaint rates.
Fitness perk is a discount, not a full membership.
Few plan types offered.
Allstate has a tiny market share compared to other Medigap companies NerdWallet reviews, but it’s still a competitive option with its rock-bottom prices and sizable stacking discounts. However, it doesn’t offer much beyond low prices, as its plan selection and extra perks are limited.
Here’s what you should know about Allstate Medicare Supplement Insurance.
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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.
Allstate Medicare Supplement Insurance
3.5
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.
Allstate Medicare Supplement Insurance earned 3.5 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 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.
Allstate 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, Allstate offers plans in Wisconsin and Minnesota that fit the states’ standards. (Massachusetts, Minnesota and Wisconsin don't use the same Medigap standardization system as the rest of the country.)
💬 From our Nerds: Is Allstate a good Medicare Supplement Insurance company?
“Allstate could be a strong Medigap option, especially if your goal is low monthly premiums. Allstate’s premiums are low in general, and qualifying for stacking discounts could make them even lower. But plan selection and extra perks are limited, and the complaint rates aren’t great.”
Note: Since Medigap plan options can vary by location, it’s a good idea to do your research, compare multiple quotes and consider working with a licensed insurance agent for more personalized recommendations.
Allstate has some of the lowest prices in two of the three markets NerdWallet uses for price comparisons — but has high prices in the third. Allstate’s Medigap Plan G premiums were about 28% higher than the cheapest alternative, on average. Plan N premiums were about 31% higher.
How we evaluate 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)
NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Jul 30, 2024.
The sections below show pricing information from Allstate 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, Allstate's 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 demographics.
Plan G
Allstate price
Medicare.gov lowest price
Los Angeles
$269.
$148.
Atlanta
$125.
$125.
Dallas
$110.
$109.
Plan N
Allstate price
Medicare.gov lowest price
Los Angeles
$213.
$114.
Atlanta
$95.
$95.
Dallas
$87.
$82.
Discounts
Allstate offers multiple discounts for qualifying members who:
Live with another person age 50 or older.
Live with another person who applied for an Allstate supplemental plan.
Pay the full annual premium in advance.
Link an activity tracker to submit data to the plan.
Discount amounts and availability may vary according to factors such as your location, household status and how you apply for a policy.
Allstate member complaints
190% more complaints than average
Members file complaints about Medicare Supplement Insurance plans from Allstate at a rate about 190% higher than the average for all Medigap plans, according to 2022 and 2023 data from the National Association of Insurance Commissioners for Allstate
National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 30, 2024.
. (The other 16.8% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all companies is 80.4%.
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%
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates pricing, complaint data, online quote availability, coverage options and more.
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. 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.
