Allstate Medicare Supplement Plans Review: Coverage Options and Discounts

Introduction to Allstate

When you hear "Allstate," your mind probably jumps straight to auto or home insurance—and for good reason. They've been a titan in the insurance industry for over 80 years. However, when you're staring down the confusing, often expensive gaps left by Original Medicare, Allstate also steps up to the plate with reliable Medicare Supplement (Medigap) plans.

It is worth noting that Allstate’s Medicare Supplement policies are formally issued and administered through National General Insurance Company, a well-established firm that Allstate acquired in 2021.

Allstate Medicare Supplement Plans

To help shield your retirement savings from unpredictable medical bills, Allstate offers a standardized lineup of Medigap options. Their portfolio includes Plan A, Plan F, Plan G, and Plan N. These policies are designed to step in where Medicare stops, covering costly deductibles, coinsurance, and burdensome excess charges.

If you're feeling lost in the alphabet soup of coverage options, read this comprehensive article to better understand how to compare different Medicare Supplement plans.

Allstate Medicare Supplement Availability

Accessibility is a major plus for Allstate’s Medicare Supplement plans. They are widely available across the vast majority of the country, with policies offered in all states except:

• Connecticut, Hawaii, Massachusetts, Maine, New Hampshire, New York, Rhode Island, Vermont, and Washington.

Remember, the exact plans available to you—and their monthly premiums—will ultimately depend on your specific state and zip code.

Allstate Insurance Ratings and Rankings

When you're trusting a company to pay your medical bills, financial stability is non-negotiable. Thankfully, Allstate routinely earns top-tier marks from the industry's most rigorous independent rating agencies.

• A+ (Superior) rating from A.M. Best
• AA- rating from S&P
• A1 rating from Moody’s
• A+ rating from Fitch

While Allstate doesn’t currently hold a specific J.D. Power rating exclusively for its Medicare Supplement division, the overarching brand is widely recognized for strong customer satisfaction across its broader insurance offerings.

Allstate Medicare Household Discounts

Healthcare costs can eat into a fixed income fast. To help ease that burden, Allstate stands out by offering multiple, ‘stackable discounts’ that can realistically slash your monthly premiums by up to 25%.

• Roommate Household Discount (7%): Offered if you have resided with someone 50+ years of age for at least one year.
• Dual Applicant Discount (10%): Locked in when two people living in the same residence apply for plans simultaneously. (This is a combination of the 7% roommate discount plus a 3% dual-applicant bonus.)
• Annual Pay Discount (10%): If you have the cash on hand to pay your premium annually rather than monthly, you'll instantly save 10%.
• Activity-Tracker Discount (5%): A great perk for active seniors. Register your Fitbit, Apple Watch, or similar wearable fitness device and enjoy a 5% reduction.

Note: Eligibility rules and exact discount percentages can vary based on your state's regulations.

How to Purchase Allstate Medicare Supplement Plans

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