ACE Medicare Supplement Insurance Plans
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ACE Medicare Supplement
By Lou Spatafore – Updated Mar 12, 2026
Reviewed by Misty Berryman – Fact checked by Mike Montes
All About ACE Medicare Supplement Plans
ACE Property and Casualty Company underwrites ACE Medicare supplement plans. A division of the Chubb Group, a large and well-established insurer.
While ACE Medicare Supplement is fairly new, they started writing Medigap policies in 2022. However, ACE Property and Casualty has been around since 1907.
They have a reputation for competitive pricing and excellent customer service.
ACE Medicare Supplement also enjoys an A++ (superior) rating from A.M. Best
This ranks them among the highest ratings in the Medicare supplement industry. It indicates superior financial strength, liquidity, credit worthiness, and ability to pay claims as promised.
Plans Offered by ACE Medicare Supplement
ACE Medicare Supplement offers five Medigap plans. They are Plan G, high-deductible Plan G, Plan N, Plan A, and Plan F.
Here are some more details on each of these options:
Ace Medicare Supplement Plan G
- The most comprehensive Medicare supplement plan available to new Medicare enrollees
- The most popular of all the Ace Medicare supplement plans
- Covers all out-of-pocket costs under Original Medicare (Parts A and B). It does not cover your Part B deductible.
- Covers “physician’s excess charges”
- Includes foreign travel benefits
High Deductible Plan G
- Available in select states
- Pays 100% of your out-of-pocket costs under Medicare Parts A and B
- A higher deductible applies compared to the regular plan G
- A good option for healthy people who want low premiums, but still want full coverage if they need care
LEARN MORE: MediGap High Deductible Plan G Review
Medicare Supplement Plan N
- Includes all the same benefits and coverage as Plan G, except it does not pay physicians’ excess charges
- If your doctor charges more than Medicare approves, you must pay the extra amount
- Covers all out-of-pocket costs under Original Medicare (Parts A and B). It does not cover excess charges your Part B deductible.
- Best suited for those in the eight states that do not allow excess charges
Medicare Supplement Plan A
- Plan A has the lowest premiums of all ACE Medicare Supplement plans. But it also provides the least protection against unexpected out-of-pocket costs under Medicare Parts A and B.
- A ‘basic,’ budget-friendly plan that still provides significant coverage
- Covers your Part A and Part B coinsurance
- Includes a benefit covering up to three pints of blood
- Does not cover your Part A deductible
- Does not cover your Part B deductible
- You could incur multiple benefit periods in a single year and therefore face multiple Part A deductibles
- No foreign travel benefits
Medicare Supplement Plan F
- ACE offers the popular MediGap Plan F – the most generous and comprehensive of all the Medicare supplement plans
- Plan F covers 100% of all your out-of-pocket costs under Medicare Parts A and B – including the Part B deductible
- Foreign travel benefits included
- Not available to anyone who became eligible for Medicare after January 1st, 2020
All ACE Medicare supplement plans are guaranteed renewable. That is, the plan cannot drop you as long as you pay your premiums.
ACE Medicare Enrollment, Pricing & Discounts
Applicants age 64½ or older are eligible to enroll in most states. You must also be within six months of enrolling in Medicare Part B.
During open enrollment, you cannot be turned down for coverage. The insurance company must accept you when you pay your first premium.
If it is not Open Enrollment, you must go through medical underwriting to join an ACE Medicare supplement plan. This also applies to any other Medicare supplement plan. That means an insurer could charge you a higher premium based on your medical history or decline you altogether.
ACE Medicare Supplement Underwriting
ACE looks carefully at your height and weight when you apply outside open enrollment period.
If you’re outside of the company’s height and weight guidelines, you will likely be turned down for coverage.
If you fall outside the company’s height and weight guidelines, the company will likely turn you down for coverage.
Some carriers are more open to overweight applicants than others. If this concerns you, and you are outside your initial open enrollment period, tell your Personal Benefits Manager. We may be able to find you a plan that will be more likely to accept you.
Learn More: How To Pass MediGap Underwriting
Smoking or Tobacco Users
ACE charges a higher premium for tobacco users unless you enroll during your open enrollment period (in most states).
In some states, you must say if you use tobacco, even when you apply during open enrollment. These states are: Arizona, Georgia, Indiana, Kansas, Mississippi, Oklahoma, South Dakota, Texas, West Virginia, and Wyoming.
ACE Medicare Supplement Discounts
You may qualify for a household premium discount with ACE Medicare supplement plans.
Details vary depending on your state. But in most areas, the discount applies if you live with your spouse. It also applies if you live with another person age 50 or older. Applicants must have resided together for a minimum of 12 consecutive months.
These discounts can be up to 7% off the base premium rate.
You may qualify for a discount if you pay by annual, semi-annual, or quarterly bank draft.
Learn More: How To Choose a Medicare Part D Plan
ACE Medicare Supplement Pricing
ACE often offers Medicare Supplement plans at attractive price points. They are usually among the most affordable plans in each market.
This is especially remarkable given their superior financial strength rating from A.M. Best.
— Testimonials
We’ve helped people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
“Having MediGap Advisors to help me work through my Medicare coverage options over the next year gives me great peace of mind.
I especially would like to thank Misty for her help the last several years. Her dedication and expertise deserve the highest praise.”
Robert N. (CO)
“Mike takes the time to address every concern with care and attention to detail. His reliability and expertise are why we continue to rely on him for all our Medicare needs.”
Janice B. (VA)
— Get a Quote
Ready to Sign Up for an ACE Medicare Supplement Plan?
Get an instant quote that will help you compare the plans of a number of companies.
You can request an application right away for the policy you choose. You can also call MediGap Advisors at 1-800-913-3416 with questions. We will set up a free consultation with one of our Personal Benefits Managers. You are never under any obligation, and our representatives never apply sales pressure.
— Common Questions
ACE Medicare Supplement Frequently Asked Questions
What is the difference between Medicare supplement insurance and MediGap?
None. The two expressions have exactly the same meaning.
What expenses does MediGap insurance help pay for?
MediGap is private health insurance designed to supplement Original Medicare (Parts A and B). It helps cover out-of-pocket costs such as copayments, coinsurance, and deductibles that Medicare doesn’t pay. These plans are standardized by the federal government and labeled Plan A, B, C, D, F, G, K, L, M, and N.
How does MediGap differ from Medicare Advantage?
MediGap works with Original Medicare, helping to cover costs left unpaid by Medicare. In contrast, Medicare Advantage (Part C) replaces Original Medicare with a private insurance plan. It often includes prescription drug coverage and extra benefits like dental or vision.
With MediGap, you retain Original Medicare benefits, while Medicare Advantage operates through network-based managed care plans.
How are MediGap premiums determined?
MediGap premiums are priced using three methods:
1. Community-rated: Everyone pays the same premium, regardless of age.
2. Issue-age-rated: Premiums depend on your age when you buy the policy, and they stay the same as you get older.
3. Attained-age-rated: Premiums start low but increase as you age.
ACE typically uses attained-age or issue-age pricing, depending on the state.
Do ACE Medicare supplement plans include prescription drugs?
In the majority of situations, no. Medicare Supplement insurance usually helps only with drugs given during a hospital stay (Part A). It can also cover medications administered in a physician’s office (Part B).
Can policy holders switch Medigap plans at a later date?
Yes, but in most states, switching plans after your open enrollment window closes may trigger medical underwriting. Insurers can deny coverage or charge higher premiums based on your health history.
Can I use my ACE Medicare supplement insurance policy with any doctor?
Yes, as long as the doctor accepts Medicare patients, your MediGap policy will cover your eligible costs. Medigap plans do not impose any network restrictions.
Does Medigap work in combination with Medicare Advantage?
No. You cannot use a MediGap policy with a Medicare Advantage plan. MediGap is only compatible with Original Medicare (Parts A and B).
How does relocating to another state affect my coverage?
MediGap plans are portable across states. If you move, you can keep your current policy as long as you continue to pay premiums. However, premiums may change based on your new state’s pricing rules.
ACE Medicare Supplement Reviews
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Best Decision
ACE’s Plan G is the best decision I made for my health care needs. Their coverage is extensive, and I haven’t had any issues with bills or coverage gaps. I feel well taken care of!
17% hike in premiums in less than two years
ACE increased my monthly premium more than 17% in less than two years! I have had a total of six doctors’ appointments in 2025, no surgeries, no additional procedures. I’m going shopping . . .
Excellent Coverage
Perfect choice
I switched to ACE after hearing great things about their Medicare Supplement plans. Their customer service is top-notch, and I haven’t had a single issue with my Plan F coverage. It’s been smooth sailing since I signed up.
Great Value
I switched to ACE after hearing great things about their Medicare Supplement plans. Their customer service is top-notch, and I haven’t had a single issue with my Plan F coverage. It’s been smooth sailing since I signed up.
Great Coverage and Easy Management with ACE
I’ve been with ACE for over a year, and their Plan G is amazing! All my doctor visits and hospital stays are covered, and the premiums are reasonable. Plus, I love their mobile app to track claims and coverage!
Best decision ever!
Switching to ACE Medicare Supplement was the best decision I made. Their Plan G offers comprehensive coverage, and the premiums are more affordable compared to other providers. Plus, their customer service is always responsive and helpful.