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CJ Karrer
Writer · Reviewed by Richard ChanUpdated Jun 12, 2026
5 min read
ACE Medicare Supplement plans help cover the gaps in Original Medicare, such as Part A hospital coinsurance and Part B copayments.
You have a guaranteed issue right to enroll in an ACE Medicare Supplement plan without medical underwriting if you apply during your initial six-month Medigap open enrollment period.
ACE Medigap plans do not include prescription drug coverage, so beneficiaries must purchase a separate Medicare Part D plan for medication benefits.
ACE Medicare Supplement, operating as a specialized division of ACE Property & Casualty Insurance Company (and proudly backed by the global powerhouse Chubb Corporation), delivers a robust lineup of Medigap plans tailored to enhance Original Medicare. As a historically trusted name in the insurance sector, ACE is dedicated to helping seniors navigate and neutralize the painful out-of-pocket costs that Medicare leaves behind, such as steep deductibles, unpredictable copayments, and draining coinsurance.
In this overview, we'll unpack the core features of ACE Medicare Supplement plans, explore where they are available, and see how they stack up against other heavyweights in the Medigap arena.
When you invest in an ACE Medicare Supplement plan, you're buying peace of mind. Here is a breakdown of what these policies step in to cover:
| Coverage Category | Description |
| Hospitalization Costs | Covers your Part A coinsurance and critical hospital costs for up to an additional 365 days after your standard Medicare benefits have been exhausted. |
| Outpatient Services | Takes care of the Part B coinsurance or copayments tied to necessary doctor visits, preventive care, and outpatient services. |
| Skilled Nursing Facility Care | Pays for the coinsurance required under Medicare Part A when you need extended, specialized skilled nursing care. |
| Part A Deductible | Covers the hefty Part A deductible required for inpatient hospitalization. |
| Excess Charges | Absorbs the agonizing charges billed above the Medicare-approved amounts for Part B services (specifically available in Plan G). |
| Blood Transfusions | Covers the cost of the first three pints of blood required for any medical procedure. |
| Hospice Care | Steps in to pay the coinsurance or copayments associated with compassionate hospice care services. |
ACE focuses on the most highly sought-after, standardized Medigap plans, ensuring beneficiaries have options that fit both their complex healthcare needs and their fixed budgets.
Because Medigap plan availability is inherently tied to where you live, always verify with ACE or a trusted licensed agent to confirm which exact plans are offered in your zip code.
ACE distinguishes itself in a crowded market through several high-value perks:
While ACE Medicare Supplement plans have a massive footprint, coverage availability and baseline pricing will fluctuate depending on your state.
Currently, ACE Supplement plans are actively sold in:
Keep in mind that states with generally higher healthcare costs will naturally feature higher Medigap premiums. When determining those premiums, ACE utilizes three standard rating methods:
When you buy an ACE policy, you are backed by Chubb. ACE Property & Casualty Insurance Company and Chubb consistently secure elite marks from the world's strictest independent rating agencies:
ACE holds its own against massive competitors like Aetna and Humana by delivering:
ACE’s medical underwriting process is transparent and mirrors industry standards. If you apply for a plan outside of your initial Medigap Open Enrollment Period, you will likely need to answer health questions and undergo medical underwriting.
While ACE evaluates your current health conditions to determine your eligibility and final premium rate, they maintain highly competitive underwriting standards to ensure their plans remain as accessible as possible.
Ultimately, ACE Medicare Supplement plans deliver a highly compelling combination: ironclad coverage, competitive pricing, and uniquely valuable benefits like their household discount. Backed by elite financial ratings and Chubb's undeniable reputation, ACE is a premier choice for seniors seeking steadfast Medigap coverage.
Whether your priority is securing financial stability, ensuring total provider freedom, or maximizing cost-saving discounts, ACE is built to deliver lasting peace of mind.