ACE Medicare Supplement Review

ACE Property and Casualty Insurance Company, a newcomer to the Medicare Supplement market, has limited historical data to review.

However, after thorough analysis, we have found that ACE’s Medicare Supplement plans offer highly competitive prices compared to other insurers.

ACE Key Takeaways:

• Offers premiums that are, on average, 20% lower than those of other top providers.
• Provides plans in 43 states, each with varying costs and levels of coverage.
• Maintains a stable A.M. Best rating of A++.
• Offers eligible members a 7% discount on household premiums.
• ACE Medigap plans do not have a waiting period for pre-existing conditions.

What Is ACE?

ACE P&C Insurance Company is a health insurance provider offering Medicare Supplement policies designed to bridge the coverage gaps that Original Medicare may leave behind.

With a customer-focused approach, ACE offers a range of plans to meet diverse needs, from individual to family coverage.

Which Medigap Plans Does ACE Offer?

ACE offers all ten standardized Medicare Supplement (Medigap) plans – A, B, C, D, F, G, K, L, M, and N – each designed to reduce or eliminate the out-of-pocket expenses left by Original Medicare Part A and Part B.

These costs include deductibles, copayments, and coinsurance, which can add up significantly over time without supplemental coverage.

The standardized nature of Medigap plans means that the core benefits are the same regardless of the carrier – but ACE sets itself apart through competitive premiums, strong customer service, and a streamlined underwriting process in many states.

While all ten plans are available through ACE (subject to state availability), let’s look at the four most popular among Medicare beneficiaries due to their combination of comprehensive benefits and overall value.

#1. Most Popular: Plan G – Broad Coverage, High Popularity

Who it’s for: Beneficiaries who want nearly full medical coverage with predictable out-of-pocket costs.

Plan G is one of the most widely chosen Medigap plans, and for good reason. It covers every Medicare-approved cost except the annual Part B deductible (which is $257 in 2025).

Once that deductible is met, Plan G picks up 100% of your remaining Medicare costs, including:

• Part A deductible and coinsurance
• Skilled nursing facility coinsurance
• Hospice care coinsurance
• Part B coinsurance or copayments
• Emergency care during foreign travel (up to plan limits)
• First three pints of blood

Why it stands out: Plan G offers peace of mind with minimal out-of-pocket risk, making it an ideal choice for individuals who anticipate needing regular medical care or want simplicity in billing.

#2. Second Most Popular: Plan N – Lower Premiums with Shared Costs

Who it’s for: Beneficiaries looking for a balance between solid coverage and lower monthly premiums.

Plan N is designed for those who are willing to share some costs in exchange for a more affordable monthly rate.

It provides coverage for most Medicare-approved services, except:

• The Part B deductible
• Part B excess charges
• Small copays: Up to $20 for office visits and $50 for emergency room visits (waived if admitted)

Why it stands out: With premiums typically lower than Plan G, Plan N is an excellent option for healthier individuals who don’t visit the doctor frequently but still want strong coverage against major medical expenses.

#3. Plan A – Basic, No-Frills Coverage

Who it’s for: Beneficiaries in good health seeking the lowest-cost entry point into Medigap coverage.

Plan A offers only the core benefits required by law, including:

• Part A coinsurance and hospital costs
• Part B coinsurance or copayment
• Blood (first three pints)
• Hospice care coinsurance

It does not cover the Part A deductible, skilled nursing facility care, or Part B excess charges.

Why it stands out: Plan A’s simplicity and affordability make it appealing to those who want supplemental coverage for emergencies but are comfortable taking on some financial risk for non-catastrophic care.

#4. Plan F – Full Coverage for Those Who Qualify

Who it’s for: Beneficiaries who became eligible for Medicare before January 1, 2020, and want zero out-of-pocket costs.

Plan F is the only plan that covers all Medicare-approved expenses, including:

• Part A and B deductibles
• Part B excess charges
• Coinsurance for hospital, hospice, and skilled nursing facility care
• Foreign travel emergency coverage
• First three pints of blood

Why it stands out: For those who are eligible, Plan F offers complete peace of mind. With no copays, deductibles, or coinsurance, it’s the most comprehensive Medigap plan available.

Other Factors to Consider

While these four plans are the most commonly chosen, ACE provides access to the full suite of Medigap plans, allowing clients to select the one that best aligns with their health status, lifestyle, and financial goals.

Availability and pricing can vary based on:

• Underwriting (if applying outside of Open Enrollment or guaranteed issue periods)
• State of residence
• Age and gender
• Tobacco use
• Household discounts or eligibility for preferred rates

Need Help Choosing a Plan?

Navigating the options can feel overwhelming – but you don’t have to do it alone.

We can help you compare plans, premiums, and coverage levels side by side and provide personalized guidance to ensure you select a Medigap plan that fits both your medical needs and your budget.

What Is ACE’s Medigap State Availability?

Currently, ACE offers Medigap plans in the following states:

AK	IL	MT	RI
AL	IN	NC	SC
AR	KS	ND	SD
AZ	KY	NE	TN
CO	LA	NH	TX
DC	MD	NJ	UT
DE	ME	NM	VA
FL	MI	NV	WI
GA	MN	OH	WV
IA	MO	OK	WY
ID	MS	PA

Since its introduction to the Medicare market in mid-2022, ACE has undergone remarkable growth and expansion.

ACE Medigap Premiums vs. Other Providers

One of the most crucial factors for many enrollees when selecting a Medicare supplement (Medigap) plan is the monthly premium cost.

Medigap Plan G is one of the most comprehensive and popular supplement plans available. It covers expenses such as Part A coinsurance, skilled nursing facility care, and Part B excess charges.

Below is a comparative analysis of monthly premium rates for ACE’s Medigap Plan G against other leading insurance providers across various states.

Medigap Plan G: Premium Comparison

State	Zip Code	ACE	Aflac	Cigna	Mutual of Omaha
Arkansas	72401	$142	$148	$143	$222
Louisiana	70726	$144	$162	$149	$170
Texas	77494	$122	$157	$145	$138
Florida	32503	$194	$207	$182	$198

Note: These rates are sample quotes and may vary based on individual underwriting, inflation, and market conditions. Quotes are for a 65-year-old non-smoking female.

Premium Analysis

Based on this research, ACE Medigap Plan G offers substantial cost savings compared to its competitors:

• Arkansas (Zip Code 72401): ACE is 56% lower than Mutual of Omaha.
• Louisiana (Zip Code 70726): ACE is 4% lower than Cigna.
• Texas (Zip Code 77494): ACE is 29% lower than Aflac.
• Florida (Zip Code 32503): ACE is 7% lower than Aflac.

On average, ACE provides Plan G premiums that are 7.5% lower than other major Medigap insurers.

Additional Benefits of Choosing ACE Medigap

While premium cost is an essential consideration, other factors such as discounts, rate stability, and financial strength should also be considered when selecting a provider.

Let’s walk through the positives of choosing ACE as your Medigap provider.

#1. Household Premium Discounts: ACE provides a 7% household discount for eligible members, making coverage even more affordable for couples or individuals living with another Medicare-eligible person.

#2. Financial Strength and Stability: ACE is backed by Chubb Insurance, a well-established and highly rated insurance carrier with an A++ rating from A.M. Best. This ensures financial security and reliable claims processing.

#3. No Network Restrictions: Unlike Medicare Advantage plans, Medigap Plan G allows policyholders to visit any doctor or specialist who accepts Medicare, ensuring flexibility in choosing healthcare providers without referrals or network limitations.

#4. Guaranteed Renewable Policy: ACE Medigap policies are guaranteed renewable, meaning they cannot be canceled as long as premiums are paid on time.

#5. Competitive Rate Adjustments: While all Medigap providers may adjust premiums over time due to inflation and claims experience, ACE has a history of maintaining stable and predictable rate increases, preventing unexpected premium hikes for policyholders.

In a nutshell:

ACE’s Medigap Plan G stands out as an affordable and reliable choice for Medicare beneficiaries looking for comprehensive supplemental coverage.

With lower-than-average premiums, household discounts, strong financial backing, and flexible provider access, ACE remains a competitive option in the Medigap market.

Can I Keep My Doctors with ACE?

Yes – in most cases, you absolutely can.

ACE Medicare Supplement (Medigap) plans work alongside Original Medicare, which means you can visit any doctor, specialist, or hospital in the U.S. that accepts Medicare – no networks, no referrals, no surprises.

Here’s what that means for you:

• Keep your current doctors if they accept Medicare
• See any specialist without needing a referral
• Access care nationwide, ideal for snowbirds or frequent travelers
• No provider network restrictions, unlike many Medicare Advantage plans

Can I Travel to a Specific Facility Like the Mayo Clinic or Johns Hopkins?

Yes! One of the greatest advantages of ACE Medigap plans is that they allow you to receive care at world-renowned medical centers like Mayo Clinic, Cleveland Clinic, or Johns Hopkins University, as long as those facilities accept Medicare (and most do).

You don’t need special approval or a referral – if they accept Medicare, you’re covered.

Whether you’re seeking a second opinion, specialty treatment, or ongoing care at a top-tier hospital, your ACE Medicare Supplement plan gives you the freedom to choose without worrying about out-of-network penalties.

Do you have questions about your doctor’s Medicare participation or a specific facility? We can help you check eligibility and make sure everything matches your coverage.

Does ACE Offer Dental or Vision Insurance?

ACE Medicare Supplement (Medigap) plans primarily cover expenses not included in Original Medicare, such as deductibles, copayments, and coinsurance.

These plans do not typically encompass additional benefits like dental, vision, or hearing coverage. ​

For beneficiaries seeking dental and vision coverage, there are alternative options for standalone dental and vision plans.

Private insurance companies offer separate policies specifically for dental and vision care, which can complement your existing Medicare coverage.

ACE has a strong Medicare Supplement plan and competitive pricing, but it isn’t as focused on ancillary products as larger, more established companies are.

Need Dental Coverage? We Can Help With That!

Although ACE doesn’t offer dental or vision insurance as part of its Medicare Supplement plans, we work with carriers that specialize in comprehensive dental coverage, and Ameritas is one of our top recommendations.

Original Medicare and Medigap plans do not cover routine dental services such as exams, cleanings, x-rays, fillings, or dentures – all of which can be costly without insurance.

Enrolling in a standalone dental plan gives you access to affordable preventive and restorative services that help protect your oral and overall health.

Why We Recommend Ameritas

Ameritas has been a trusted name in the dental insurance space for decades. Their plans are designed with the needs of Medicare-age individuals in mind, offering flexibility, affordability, and access to one of the largest dental networks in the country.

Here’s what makes Ameritas stand out:

Immediate Coverage: Most plans do not have waiting periods for preventive and basic services, so you can start using your benefits right away.

Preventive Services Covered at 100%: Routine exams, cleanings, and X-rays are typically covered in full when you use in-network providers.

Robust Coverage for Major Services: Plans include coverage for crowns, root canals, bridges, dentures, and oral surgery – often with a short or no waiting period, depending on the plan.

Generous Annual Benefit Options: Choose from plans with annual maximums ranging from $1,000 to $2,000, offering strong protection against unexpected dental expenses.

Large Nationwide Network: Ameritas gives you access to over 400,000 dental access points nationwide. You’re free to see any dentist, but you’ll save more with in-network providers.

Optional Vision Benefits: Some Ameritas plans include or allow you to add vision coverage through providers like VSP or EyeMed.

Ameritas Monthly Premiums

Monthly premiums for Ameritas dental plans typically start between $30 and $45, depending on your location and the level of benefits selected.

While ACE handles the medical side of things with a solid Medicare Supplement plan, Ameritas helps you fill in the gaps when it comes to dental care – a key component of maintaining long-term health.

We’re here to walk you through your options, help compare plans, and get you enrolled in a policy that fits your needs and budget – without the hassle.

Bottom Line – Is ACE Worth Considering?

ACE is a newer player in the Medicare Supplement market but has quickly established itself as a competitive option. Its Medigap plans are priced lower than many major insurers, with Plan G averaging 7.5% less in premiums.

Available in 43 states, ACE offers all ten standardized Medigap plans, backed by Chubb’s financial strength and an A++ A.M. Best rating.

Its Medigap plans come with no network restrictions and a 7% household discount, plus there’s no waiting period for pre-existing conditions.

While ACE doesn’t include dental or vision coverage, options from trusted partners like Ameritas can fill those gaps.

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