Wellabe Medicare Supplement Plans 2027: States, Plans and What They Cost
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 30, 2026
Wellabe sells Medicare Supplement Plans A, F, G, N and high-deductible F and G in 28 states, with policies issued by its Medico insurance companies and rated A (Excellent) by AM Best. In 2027 you can expect a mid-priced Plan G, a household discount for people who live with another adult and, in some states, an optional dental rider.
2027 by the Numbers
28
states where Wellabe sold Medigap after its February 2025 expansion
A
AM Best rating (Excellent), affirmed June 30, 2026
$207.42
Wellabe (Medico Insurance Co.) Plan G, man 65, NJ September 2026 chart
Wellabe is a newer name in Medicare Supplement insurance, but the company behind it is not new. American Enterprise Group, based in Des Moines, Iowa, moved all of its brands under the single Wellabe name in June 2023. The policies themselves are still written by its long-standing Medico insurance companies.
Below you will find where Wellabe sells, the plans it offers, how its prices compare with other companies on an official state chart, and when Plan N makes more sense than Plan G with this carrier. For a refresher on the plan letters, see our Medicare Supplement plans 2027 overview.
Compare Wellabe 2027 Plan Rates
Who Is Behind the Wellabe Name
The brand change took effect June 26, 2023. The name is short for “We’ll always be.” The parent company kept its insurance subsidiaries, so a Wellabe Medicare Supplement policy is legally issued by one of three Medico companies.
Medico Insurance Company. The underwriter named on the Wellabe consumer brochure and on New Jersey’s and Maryland’s official rate charts.
Medico Corp Life Insurance Company. Listed as the Medigap seller in Kentucky’s and Iowa’s 2026 state guides.
Medico Life and Health Insurance Company. The third issuing company named in Wellabe’s 2025 expansion announcement.
If you once had a Medico policy, see our Medico Medicare Supplement plans 2027 page for what the brand change meant for existing policyholders.
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Where Wellabe Sells Medigap Going Into 2027
September 2024. Wellabe began selling in Arizona, Michigan, North Carolina, South Carolina, Tennessee, Delaware and New Hampshire.
December 30, 2024. It stopped selling new policies in Alabama, Mississippi, Oklahoma, Utah and West Virginia. Existing policyholders there kept their coverage.
February 1, 2025. California, Maryland and New Jersey were added, bringing the total to 28 states.
Check your state: Because Wellabe both added and dropped states within a few months, confirm it is open for new business where you live before you plan around it.
Wellabe Plans, Discounts and Extras
| Feature | What Wellabe offers |
|---|---|
| Plan letters | A, F, high-deductible F, G, high-deductible G, N (Plan B also in Pennsylvania) |
| Plan F and high-deductible F | Only for people eligible for Medicare before January 1, 2020 |
| Household discount | For people who live with someone age 50 or older, even if that person has no Wellabe policy; amount varies by state |
| Pricing method | Attained age: your premium can rise as you get older |
| Dental rider | Optional cash-benefit dental rider in states including Arizona, California, Georgia, Kentucky, Maryland, Michigan and North Carolina |
| Fast approval | Accelerated underwriting lets many applicants skip health questions (not in Arkansas, Kansas or Louisiana) |
From Wellabe’s consumer brochure and February 2025 announcement. Details vary by state.
Because every Plan G pays the same benefits, the household discount and the dental rider are the main things that set Wellabe apart from other companies selling the same letter.
What Wellabe Charges on New Jersey's Official Chart
New Jersey’s Division of Aging Services publishes every company’s Medigap premium. On the September 2026 chart for a 65-year-old man (preferred rates), Medico Insurance Company is listed with these monthly prices.
| Plan (NJ, man 65) | Wellabe / Medico | Lowest on chart | Wellabe vs lowest (our math) |
|---|---|---|---|
| Plan G | $207.42 | $164.31 | +$43.11/mo, +$517.32/yr |
| Plan N | $144.45 | $119.90 | +$24.55/mo, +$294.60/yr |
| High-deductible G | $71.56 | $50.83 | +$20.73/mo, +$248.76/yr |
NJ Division of Aging Services Medigap chart, September 2026 (revised 8/26/2026). The highest Plan G on the chart was $299.88.
That puts Wellabe’s Plan G well below the most expensive company on the chart but about $43 a month above the cheapest. Any household discount you qualify for would narrow that gap.
Wellabe Plan G or Plan N? Our Break-Even Math
Wellabe’s Plan N costs $62.97 a month less than its Plan G on the New Jersey chart, or $755.64 a year. Plan N’s trade-off is a copay of up to $20 for some office visits, up to $50 for an ER visit that does not lead to admission, and no coverage for Part B excess charges.
| Yearly scenario (NJ, man 65) | Plan G total | Plan N total |
|---|---|---|
| Premiums only | $2,489.04 | $1,733.40 |
| Plus the projected $292 Part B deductible | $2,781.04 | $2,025.40 |
| Plan N with 12 office copays of $20 | $2,781.04 | $2,265.40 |
| Plan N with 12 copays and 2 ER visits | $2,781.04 | $2,365.40 |
Our calculation. Both plans leave you the Part B deductible, projected at $292 for 2027.
Break-even: With Wellabe’s New Jersey prices it would take about 38 copay visits at $20 in one year before Plan N cost more than Plan G. Excess charges are the bigger risk, so check whether your doctors accept Medicare assignment.
How Wellabe Rate Increases Have Worked
Attained-age policies go up for two reasons: you get older, and the company files increases for everyone in your plan. Wellabe’s broker materials say it targets rate increases of 5% to 8%. A Tennessee report of filings from June 2023 to June 2024 shows Medico Corp Life at 9.9% for some policies, so actual changes can run higher than the target.
Ask for history. Ask how much your Wellabe plan has risen in your state over the last three years.
Compare totals. Compare the yearly cost after the household discount, not just the monthly sticker price.
Time your switch. If you want to switch later, remember that most states let the company ask health questions outside your open enrollment period.
To weigh Wellabe against other carriers, start with our guide to comparing Medicare Supplement plans for 2027 and the Plan G 2027 page.
Bottom Line
Wellabe is the brand name for Medigap policies written by the Medico insurance companies, now sold in 28 states with an A (Excellent) AM Best rating. On New Jersey’s September 2026 chart its Plan G was mid-priced and its Plan N saved about $756 a year, so price both letters, and ask about the household discount before you choose.
See Wellabe and other 2027 Medigap prices for your ZIP code
Wellabe Medicare Supplement Plans 2027 — Frequently Asked Questions
➤ Is Wellabe a real insurance company?
Yes. Wellabe is the brand of American Enterprise Group in Des Moines, Iowa. Its Medicare Supplement policies are issued by Medico Insurance Company, Medico Corp Life or Medico Life and Health.
➤ What AM Best rating does Wellabe have?
AM Best affirmed an A (Excellent) financial strength rating with a stable outlook for Wellabe’s insurance companies on June 30, 2026.
➤ How many states does Wellabe sell Medicare Supplement plans in?
Wellabe said it sold Medigap in 28 states after adding California, Maryland and New Jersey on February 1, 2025. It stopped new sales in five states at the end of 2024.
➤ Who qualifies for the Wellabe household discount?
Generally, anyone who lives with another person age 50 or older, even if that person does not buy a Wellabe policy. The discount amount and age rule vary by state.
➤ Does Wellabe offer dental coverage with Medigap?
In some states Wellabe sells an optional dental rider that pays cash benefits. Medicare Supplement plans themselves do not cover routine dental care.
➤ Can I get Wellabe Plan F in 2027?
Only if you were eligible for Medicare before January 1, 2020. Everyone else can choose Plan G, which matches Plan F except for the Part B deductible.
➤ Will my Wellabe premium go up each year?
It can. Wellabe uses attained-age pricing, so premiums rise as you age, and the company can also file rate increases for everyone in your plan.
➤ Is Wellabe Plan N a good value?
On New Jersey’s September 2026 chart, Wellabe’s Plan N cost $62.97 a month less than its Plan G. It fits people who see doctors a few times a year and use doctors who accept Medicare assignment.
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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.
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