ACE (Chubb) Medicare Supplement Review
ACE (Chubb) is a relatively new player in the Medicare Supplement market; therefore, historical reviews are hard to come by. However, based on my experience working with ACE, I can confidently say that ACE Medicare Supplement prices are highly competitive compared to other companies.
For example, let’s say you’re new to Medicare and just turning 65. Our analysis reveals that the ACE Medigap Plan G rate in Austin County, Texas, is $136.75. That’s 27% cheaper than the rate offered by Aetna, which is $186.68. They also have an A++ rating with A.M. Best, which is impressive considering their short track record.
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ACE Key Points
- Cheaper premiums in many states compared to other providers
- Four plans are offered in 36 states at varying costs and coverage levels
- Solid stability of A++ rating
- 7% discount for eligible household members
- No network restrictions
What are ACE Medicare Supplement Plans?
Coverage and Benefits
ACE Medicare Supplement plans (or Medigap plans) cover the costs that Original Medicare (Part A and Part B) doesn’t cover, such as deductibles, copayments, and coinsurance. These plans can help fill the gaps in Medicare coverage and may also cover additional benefits like foreign travel emergency coverage. It’s important to note that the specific coverage and benefits can vary depending on the plan type you select.
In addition to the standardized coverage offered by most Medicare Supplement plans, ACE plans also provide a significant advantage: no network restrictions. With no network restrictions, you can receive care from any doctor or hospital that accepts Medicare without needing a referral, which allows flexibility when choosing healthcare providers.
Plans are also guaranteed renewable as long as premiums are paid and remain current.
ACE Medicare Supplement Plan Options
Medicare Supplement Plan G Benefit Costs
Over 5,000,000 individuals are enrolled in Medicare Supplement Plan G, making up approximately 39% of all Medigap enrollees. It’s no surprise that Plan G is one of the most popular and comprehensive Medigap plans available. It helps cover many out-of-pocket costs that Original Medicare (Parts A and B) doesn’t, making it a popular choice for those who want predictable healthcare expenses.
Below, I’ll break down the costs of Plan G for hospital stays, doctor office visits, emergency room care, outpatient surgery, and urgent care visits. I’ll also include a chart to compare what Original Medicare pays versus what a Plan G member would pay.
Why I Chose Plan G as the Most Popular and Comprehensive Plan
- Extensive Coverage:
Plan G covers almost all of the gaps in Original Medicare, including:
The Part A deductible is $1,676 (as of 2025).
Part A coinsurance for extended hospital stays (days 61-90) and lifetime reserve days.
The 20% coinsurance for Part B services after the annual deductible is met.
Emergency foreign travel coverage up to plan limits.
- Predictable Costs:
The only out-of-pocket expense for Plan G members is the Medicare Part B deductible, which is $257 as of 2025. After this deductible is paid, Plan G covers all other Medicare-approved expenses.
- No Network Restrictions:
Like all Medigap plans, Plan G allows me to see any doctor or specialist who accepts Medicare, offering maximum flexibility for healthcare providers and locations.
- Peace of Mind:
By covering nearly all out-of-pocket expenses, Plan G eliminates the stress of unexpected medical bills, particularly for those with frequent healthcare needs or chronic conditions.
- High Value for New Beneficiaries:
Since Plan F is no longer available to new Medicare beneficiaries after January 1, 2020, Plan G has become the most comprehensive option for individuals new to Medicare.
Popularity Among Beneficiaries:
Plan G’s simplicity and extensive coverage appeal to those who want to avoid piecemeal costs.
Its comprehensive nature and predictable expenses make it a favorite among retirees looking for stability in their healthcare costs.
Medigap Plan G Benefit Cost Comparison Chart
The chart below outlines what Medicare pays, what you’d pay without Plan G, and what you’d pay with Plan G.
| Service | Original Medicare Pays | Your Cost Without Plan G | Your Cost With Plan G |
|---|---|---|---|
| Hospital Stay (1-60 days) | Full cost minus $1,676 deductible | $1,676 deductible | $0 |
| Hospital Stay (61-90 days) | All but $419/day coinsurance | $419/day | $0 |
| Hospital Stay (91+ days) | All but $838/day for lifetime reserve days | $838/day | $0 |
| Doctor Visits | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible |
| Emergency Room Care | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible |
| Outpatient Surgery | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible |
| Urgent Care Visits | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible |
What It Would Cost with Plan G for a Common Medical Scenario
To illustrate the potential expenses for someone enrolled in Plan G, let’s consider the following scenario:
Scenario:
- One Hospitalization: A single hospital stay of 5 days.
- Primary Care Visits: 5 visits to a primary care physician.
- Specialist Visits: 5 visits to medical specialists.
- Rehabilitation Care: 10 days in a skilled nursing facility for recovery.
Costs Breakdown:
Hospitalization (5 days):
- Plan G covers the $1,676 Part A deductible and all coinsurance costs for the hospital stay.
- With Plan G: $0.
Primary Care Visits (5 visits):
- The Medicare Part B deductible of $257 must be paid first. After this, Plan G covers all coinsurance.
- With Plan G: $257 (Part B deductible).
Specialist Visits (5 visits):
- Once the Part B deductible is met, Plan G covers all coinsurance.
- With Plan G: $0.
Rehabilitation Care (10 days):
- Plan G covers the first 20 days of skilled nursing care after a qualifying hospital stay.
- With Plan G: $0.
Total Costs with Plan G:
- Hospitalization: $0
- Primary Care Visits: $257
- Specialist Visits: $0
- Rehabilitation Care: $0
- Grand Total: $257
Key Features
- Comprehensive Coverage:
Plan G covers hospital costs beyond what Original Medicare offers and includes almost all out-of-pocket expenses except for the Part B deductible.
- Financial Predictability:
With only one deductible to pay, I can confidently plan my annual healthcare expenses.
Flexibility and Freedom:
- I can visit any doctor or specialist nationwide who accepts Medicare without needing referrals or network restrictions.
Medicare Supplement Plan G is an excellent choice for those seeking broad coverage, predictable costs, and the freedom to choose their healthcare providers.
Medicare Supplement Plan N Benefit Costs
According to recent data, approximately 1.4 million people are enrolled in Medigap Plan N, representing around 10% of all Medigap policyholders.
It is considered the third most popular Medigap plan. Medicare Supplement Plan N is a popular choice for beneficiaries who want comprehensive coverage but are willing to trade off some benefits for lower premiums.
Plan N helps cover many out-of-pocket costs that Original Medicare (Parts A and B) doesn’t while requiring some cost-sharing for specific services.
Below, I’ll break down the costs of Plan N for hospital stays, doctor office visits, emergency room care, outpatient surgery, and urgent care visits. I’ll also include a chart to compare what Original Medicare pays versus what a Plan N member would pay.
Why I Chose Plan N as the Second Most Popular Option to Plan G
- Lower Premiums:
One of the biggest reasons for Plan N’s popularity is its affordability. Plan N typically has lower monthly premiums compared to Plan G, making it an attractive option for those seeking significant savings on their Medigap coverage.
- Cost-Sharing Incentives: Plan N introduces cost-sharing features, such as small copayments:
Up to $20 for doctor visits.
Up to $50 for emergency room visits (waived if admitted). These manageable copayments allow beneficiaries to enjoy lower premiums while still receiving comprehensive coverage for major medical expenses.
- Comprehensive Hospital Coverage:
Like Plan G, Plan N covers the Part A deductible and coinsurance for hospital stays, ensuring beneficiaries are protected from significant hospital-related expenses.
- No Coverage for Part B Excess Charges:
Plan N does not cover Part B excess charges (the difference between what a provider charges and what Medicare approves). However, this is rarely an issue, as most doctors and providers accept Medicare assignment, minimizing the likelihood of excess charges.
- Ideal for Healthy Individuals:
Plan N is particularly popular among healthier Medicare beneficiaries who anticipate fewer visits to doctors or specialists. The cost-sharing structure allows them to save on premiums while still being covered for unexpected major medical events.
- Flexibility and Access:
Like all Medigap plans, Plan N allows beneficiaries to visit any doctor or specialist who accepts Medicare, with no network restrictions or referrals required.
This Cost Comparison Chart Shows Your Cost With Medigap Plan N
The chart below outlines what Medicare pays, what you’d pay without Plan N, and what you’d pay with Plan N.
| Service | Original Medicare Pays | Your Cost Without Plan N | Your Cost With Plan N |
|---|---|---|---|
| Hospital Stay (1-60 days) | Full cost minus $1,676 deductible | $1,676 deductible | $0 |
| Hospital Stay (61-90 days) | All but $419/day coinsurance | $419/day | $0 |
| Hospital Stay (91+ days) | All but $838/day for lifetime reserve days | $838/day | $0 |
| Doctor Visits | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible + up to $20 copay |
| Emergency Room Care | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible + up to $50 copay |
| Outpatient Surgery | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible |
| Urgent Care Visits | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible + up to $20 copay |
What It Would Cost with Plan N for a Common Medical Scenario
To illustrate the potential expenses for someone enrolled in Plan N, let’s consider the following scenario:
Scenario:
- One Hospitalization: A single hospital stay of 5 days.
- Primary Care Visits: 5 visits to a primary care physician.
- Specialist Visits: 5 visits to medical specialists.
- Rehabilitation Care: 10 days in a skilled nursing facility for recovery.
Costs Breakdown:
Hospitalization (5 days):
- Plan N covers the $1,676 Part A deductible and all coinsurance costs for the hospital stay.
- With Plan N: $0.
Primary Care Visits (5 visits):
- Each visit may require a copayment of up to $20.
- Total: 5 x $20 = $100.
Specialist Visits (5 visits):
- Each visit may also require a copayment of up to $20.
- Total: 5 x $20 = $100.
Rehabilitation Care (10 days):
- Plan N covers the first 20 days of skilled nursing care after a qualifying hospital stay.
- With Plan N: $0.
Total Costs with Plan N:
- Hospitalization: $0
- Primary Care Visits: $100
- Specialist Visits: $100
- Rehabilitation Care: $0
- Grand Total: $200
Key Takeaways
- Lower Premiums:
Plan N offers lower monthly premiums than Plan G while providing substantial coverage.
- Cost Sharing:
Members are responsible for small copayments for doctor, emergency room, and urgent care visits.
- Comprehensive Coverage:
Plan N still covers hospital costs well beyond what Original Medicare provides.
- Appealing Balance of Savings and Coverage:
Plan N delivers a strong combination of savings and essential coverage for beneficiaries seeking a cost-effective alternative to Plan G.
Medicare Supplement Plan N is an excellent choice for those seeking a balance between comprehensive coverage and affordability.
Medicare Supplement Plan A Benefit Costs
Because Plan A provides limited coverage, only around 2.5% of Medicare beneficiaries are enrolled in it. Medicare Supplement Plan A is the most basic of all Medigap plans, offering coverage for essential gaps in Original Medicare.
While it does not provide the extensive benefits of other plans, it covers some significant out-of-pocket costs. Below, I’ll break down Plan A’s costs for hospital stays, doctor office visits, and emergency room care. I’ll also include a chart to compare what Original Medicare pays versus what a Plan A member would pay.
Medigap Plan A Cost Comparison Chart
The chart below outlines what Medicare pays, what you’d pay without Plan A, and what you’d pay with Plan A.
| Service | Original Medicare Pays | Your Cost Without Plan A | Your Cost With Plan A |
|---|---|---|---|
| Hospital Stay (1-60 days) | Full cost minus $1,676 deductible | $1,676 deductible | $1,676 deductible |
| Hospital Stay (61-90 days) | All but $419/day coinsurance | $419/day | $0 |
| Hospital Stay (91+ days) | All but $838/day for lifetime reserve days | $838/day | $0 |
| Doctor Visits | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible |
| Emergency Room Care | 80% after $257 deductible | $257 deductible + 20% coinsurance | $257 deductible |
What It Would Cost with Plan A for a Common Medical Scenario
To illustrate the potential expenses for someone enrolled in Plan A, let’s consider the following scenario:
Scenario:
- One Hospitalization: A single hospital stay of 5 days.
- Primary Care Visits: 5 visits to a primary care physician.
- Specialist Visits: 5 visits to medical specialists.
- Rehabilitation Care: 10 days in a skilled nursing facility for recovery.
Costs Breakdown:
Hospitalization (5 days):
- Original Medicare Part A requires a $1,676 deductible for the first 60 days of a hospital stay.
- With Plan A: You would still pay the $1,676 deductible.
Primary Care Visits (5 visits):
- Original Medicare Part B requires you to pay the $257 deductible before covering 80% of costs. After the deductible, you are responsible for 20% coinsurance.
Assuming an average cost of $150 per visit:
- Total cost without deductible: $750.
- 20% coinsurance after deductible: $105 (4 visits x $150 x 20%).
- With Plan A: You would pay the $257 deductible plus $105 in coinsurance for a total of $331.
Specialist Visits (5 visits):
- Assuming an average cost of $250 per visit:
- Total cost: $1,250.
- 20% coinsurance after deductible: $250 (5 visits x $250 x 20%).
- With Plan A: You would pay $250.
Rehabilitation Care (10 days):
- Original Medicare Part A covers the first 20 days of skilled nursing care after a qualifying hospital stay. There is no coinsurance for these days.
- With Plan A: There would be no additional costs for the first 10 days of rehabilitation care.
Total Costs with Plan A:
- Hospitalization: $1,676
- Primary Care Visits: $331
- Specialist Visits: $250
- Rehabilitation Care: $0
- Grand Total: $2,181
Why Plan A Leaves You Exposed to Medical Bills Compared to Plan G and Plan N
While Medicare Supplement Plan A provides foundational coverage, it leaves beneficiaries more exposed to significant medical bills when compared to Plan G and Plan N due to its limited coverage:
- No Coverage for the Part A Deductible:
Plan A does not cover the $1,676 Part A deductible for hospital stays. By contrast, Plan G and Plan N both cover this deductible in full, significantly reducing upfront costs for hospitalization.
- No Additional Coverage for Excess Charges:
Plan A does not cover Medicare Part B excess charges—the difference between what a provider charges and what Medicare approves. Plan G covers these charges entirely, ensuring beneficiaries are not responsible for these additional fees. Plan N does not cover excess charges, but providers accepting Medicare assignment rarely charge them.
- Limited Out-of-Pocket Protection:
While Plan A covers the Part B coinsurance after the deductible, beneficiaries are still responsible for the $257 annual Part B deductible. In contrast, Plan G covers this deductible after 2025. Plan N requires beneficiaries to pay this deductible and small copayments, but these amounts are often manageable.
- No Coverage for Copayments:
Plan A does not offer coverage for copayments for doctor office visits or emergency room visits. Plan N, on the other hand, limits copayments to $20 for most doctor visits and $50 for emergency room visits (waived if admitted).
- Lack of Additional Days for Skilled Nursing Facilities:
Unlike Plan G and Plan N, Plan A does not extend coverage for skilled nursing facility coinsurance after the initial Medicare-covered days. This could lead to significant out-of-pocket costs for extended care.
Key Features
- Basic Coverage:
Plan A is suitable for those who need minimal protection and can handle potentially significant out-of-pocket expenses.
- Consider More Comprehensive Plans:
Plans G and N provide broader coverage, reducing financial risks for hospital stays, outpatient care, and additional medical services.
- Long-Term Value:
While Plan A has lower premiums, the lack of coverage for key expenses can result in higher out-of-pocket costs, particularly during unexpected medical events.
If you’re considering Medicare Supplement Plan A, it’s important to weigh its limitations against your healthcare needs and budget. Plan G or Plan N may be a better fit for a more comprehensive safety net.
Medicare Supplement Plan F Benefit Costs
Medicare Supplement Plan F used to be the number one Medigap plan with the highest enrollment due to its unparalleled comprehensive coverage. It covered 100% of all out-of-pocket costs that Original Medicare (Parts A and B) would typically require you to pay.
However, changes in legislation from 2020 made Plan F unavailable to new Medicare beneficiaries who became eligible on or after January 1, 2020. As a result, Plan G has since surpassed Plan F in popularity and is now the top choice among Medicare beneficiaries for its extensive coverage and accessibility.
For those eligible before 2020, Plan F remains a robust option. Below, I’ll explore the costs associated with Plan F for hospital stays, doctor office visits, emergency room care, outpatient surgery, and urgent care visits.
Medigap Plan F Benefit Cost Comparison Chart
The chart below outlines what Medicare pays, what you’d pay without Plan F, and what you’d pay with Plan F.
| Service | Original Medicare Pays | Your Cost Without Plan F | Your Cost With Plan F |
|---|---|---|---|
| Hospital Stay (1-60 days) | Full cost minus $1,676 deductible | $1,676 deductible | $0 |
| Hospital Stay (61-90 days) | All but $400/day coinsurance | $400/day | $0 |
| Hospital Stay (91+ days) | All but $800/day for lifetime reserve days | $800/day | $0 |
| Doctor Visits | 80% after $257 deductible | $257 deductible + 20% coinsurance | $0 |
| Emergency Room Care | 80% after $257 deductible | $257 deductible + 20% coinsurance | $0 |
| Outpatient Surgery | 80% after $257 deductible | $257 deductible + 20% coinsurance | $0 |
| Urgent Care Visits | 80% after $257 deductible | $257 deductible + 20% coinsurance | $0 |
Key Features
- Comprehensive Coverage:
Plan F covers all out-of-pocket costs for Medicare-approved services, making it ideal for those who want minimal financial responsibility.
- Availability:
Plan F is only available to those who were eligible for Medicare before January 1, 2020.
- Plan G’s Rise in Popularity:
Since Plan F is no longer an option for new beneficiaries, Plan G has emerged as the most popular choice. It provides nearly identical coverage, the only difference being that Plan G requires beneficiaries to pay the Part B deductible themselves.
- Peace of Mind:
Beneficiaries enrolled in Plan F enjoy predictable healthcare expenses and full coverage of deductibles and coinsurance.
Medicare Supplement Plan F was the gold standard for comprehensive coverage and remains an excellent option for those who qualify. However, if you were eligible for Medicare after 2020, Plan G is the closest alternative, offering robust benefits with just a minor difference in cost-sharing.
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ACE State Availability
ACE currently offers plans in the following states:
AL, AR, AZ, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MO, MS, MT, NE, NJ, NM, NV, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY
The availability, coverage, and pricing of these plans may vary between states, so it is essential to check the specific details for your location.
ACE Medicare Supplement plans may use different pricing methods depending on the state. These include issue age, attained age, or community-rated pricing methods. By offering competitive rates across the board, ACE ensures its Medicare Supplement plans are accessible to many people.
How Do ACE's Premiums Compare to Other Providers?
Let’s look at how ACE Medigap rates compare to other leading Medigap providers.
| Medigap Plan | ACE | Aetna | Cigna | Mutual of Omaha | |
| Plan F | $153.08 | $236.74 | $254.30 | $217.79 | |
| Plan G | $136.75 | $186.68 | $154.87 | $158.70 | |
| Plan A | $130.58 | $161.44 | $152.55 | $159.32 | |
| Plan N | $98.92 | $128.20 | $115.01 | $120.50 | |
(Please note: these sample prices are for illustrative purposes only. The comparison is for a single male with no household discounts. Household discounts will drive rates even lower for all providers.)
The affordability of their plans, combined with the comprehensive coverage and flexibility offered, makes ACE plans an attractive option for many individuals seeking Medigap coverage.
Consulting one of our licensed insurance agents will ensure you make the most informed decision possible. We can help you compare costs and benefits between ACE Medicare Supplements and other providers, ultimately guiding you toward the best plan for your needs.
How Do I Enroll in an ACE Medigap Plan?
If an ACE Medicare Supplement plan interests you, the wisest and most time-efficient means of enrolling is to consult with one of our licensed insurance agents, who can guide you through the enrollment process and help you select the best plan for your needs.
The initial enrollment period for Medicare Supplement plans is a six-month window that begins on the first day of the month of your 65th birthday. During this time, you will not have to undergo medical underwriting and are guaranteed enrollment, so don’t delay exploring your options and securing your coverage. You may be charged more or denied coverage if you miss the initial enrollment period.
Do ACE Medicare Supplement Plans Offer Discounts?
The main discount ACE offers is a household discount. Household members can benefit from a potential 7% discount on monthly premiums with ACE Medicare supplement plans. This discount can lead to significant savings for eligible participants, making these plans more attractive and cost-effective.
The eligibility criteria for the household discount may vary by state, so you must check the specific details for your location.
Financial Stability of ACE Medicare Supplements
A company’s financial stability is critical when selecting a Medicare Supplement provider. AACE Chubb Property and Casualty Insurance company has been assigned an A.M. Best rating of A++, the highest possible rating, indicating a solid financial foundation.
With over $200 billion in assets, ACE Chubb Property and Casualty Insurance is a highly dependable choice for Medicare Supplement needs. The company’s financial stability ensures that it can meet its obligations to customers and continue providing high-quality coverage at competitive prices.
Summary
In conclusion, ACE Medicare Supplement plans offer comprehensive coverage, affordable premiums, and a wide range of options to suit different needs and budgets.
With a solid financial foundation and the potential for household discounts, ACE is an excellent choice for those seeking Medicare Supplement coverage.
Frequently Asked Questions
- Is ACE a good insurance company?
- Who owns ACE Medicare Supplement?
- What benefits can I expect from ACE Medicare Supplement plans?
- Which Medigap plans does ACE offer?
- Are ACE Medicare Supplement plans available in all states?
