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National General (Allstate) Medicare Supplement Plans

National General Medicare Supplement plans are available through National General Insurance Company, a subsidiary of Allstate. While the company is headquartered in Winston-Salem, NC, and was founded in 1920, its reach has amplified since closing its $4 billion acquisition by Allstate.

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Allstate Medicare Supplement coverage is available to millions of beneficiaries across the United States and provided through National General Insurance Company, though availability can still vary from location to location. Serving as an accident and health insurance company, National General Medicare Supplement plans have been around for several years, garnering a positive reputation for helping cut the out-of-pocket expenses of Medicare beneficiaries.

Also known as Allstate Medigap plans, several options are available, which vary in their benefits and pricing. As a result, this lends a better, personalized approach to your healthcare with viable options across the board. Learn more about National General Medicare Supplement plans below.

What Are National General Medicare Supplement Plans for 2024?

When you use your Original Medicare (Medicare Part A and Part B) benefits, there are often leftover out-of-pocket expenses. National General Medicare Supplement plans are there to help you cover these costs and lower your overall healthcare expenses.

Because the government standardizes the benefits for Medicare Supplement plans, you can expect Allstate Medicare Supplement plans to maintain the same benefits as other carriers. However, as private carriers provide supplemental coverage, it is not uncommon for providers to deliver special perks for their enrollees.

  • National General Medicare Supplement plan perks include:
  • Year-round enrollment
  • Immediate coverage, beginning the day after enrollment
  • Affordable health plans
  • A 7% household premium discount for qualifying members

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Allstate Medicare Supplement Coverage for 2024

Remember, National General Insurance Company operates under the Allstate brand. Of the 12 lettered plans available, four standardized National General Medicare Supplements (Medigap) plans are available: National General Medicare Supplement Plan A, Plan F, Plan G, and Plan N are all available, as well as High Deductible Plan F.

Of the available plans, the most popular National General Medigap plans include the following:

  • National General Medigap Plan F
  • National General Medigap Plan G
  • National General Medigap Plan N

These three plans are top choices through most carriers nationwide due to their comprehensive benefits and accessibility.

Because the plans are standardized, they cover all the same benefits by letter regardless of the state. In other words, National General Plan F in North Carolina will provide the same benefits as Plan F in Maryland.

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Thus, the difference between policies lies in the premium price and company. You should review all available carriers in your area to determine which is best for your needs.

While you can enroll anytime, signing up during your Medigap Open Enrollment Period is beneficial. This allows you to sign up without needing to answer underwriting health questions. You may be required to go through underwriting outside of this enrollment period. You may lose out on coverage altogether, as National General can deny you a policy due to pre-existing conditions.

Everyone has different coverage and budget concerns to remember when shopping for supplemental coverage, and having multiple benefit options available helps you pinpoint the right coverage for you. Below, we’ll review the three most popular National General Medicare Supplement plans.

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National General (Allstate) Medicare Supplement Plan F

National General Medigap Plan F offers the most comprehensive forms of supplemental coverage available, but there’s a catch. Also known as Allstate Plan F, you’ll need to have been eligible for Medicare benefits before January 1, 2020, to enroll.

If you qualify, you’ll receive coverage for the same Medicare-approved services covered by Original Medicare. Additionally, National General Medicare Supplement Plan F covers the rest of the costs typically leftover when using Original Medicare alone.

This includes your deductibles for Medicare Part A and Part B, coinsurance and copayments, Medicare Part B excess charges in states that allow them, coinsurance for skilled nursing facilities, and $50,000 of emergency foreign travel lifetime coverage, which comes with a $250 deductible.

For those looking to keep costs monthly premiums low while receiving the most comprehensive benefits available, National General Medicare Supplement High Deductible Plan F coverage can be an attractive option. Of course, you’ll need to cover a higher deductible to receive healthcare services. You can keep monthly costs low while remaining covered with the same level of benefits.

National General (Allstate) Medicare Supplement Plan G

Because of the enrollment restrictions that come with National General Plan F, many others are looking to National General Medigap Plan G as a viable alternative. This is because National General Plan G offers the next most comprehensive form of coverage to beneficiaries.

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You’ll need to cover your yearly Medicare Part B deductible, but after meeting it, you’ll pay no out-of-pocket costs. Allstate Medicare Supplement Plan G takes over after Original Medicare pays its portion and can provide you with fewer medical expenses as a result.

Keep in mind that because Allstate Plan G provides you with more benefits than many other options, you’re going to pay more as a result. Many factors go into your premiums, but the amount of coverage you receive is one of the largest. Nevertheless, more affordable options are available through National General Medicare Supplement Plan N.

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National General (Allstate) Medicare Supplement Plan N

National General Medigap Plan N does a great job of balancing benefits with costs, two primary considerations for any beneficiary. You’re responsible for covering small copayments, your premium, and your Medicare Part B deductible. Beneficiaries receiving healthcare in states that allow Medicare Part B excess charges from providers who do not agree to the Medicare-approved amount will also need to cover these expenses.

But National General Plan N, also known as Allstate Plan N, is a great way to help cover out-of-pocket expenses while maintaining a lower monthly premium and, depending on your needs, maybe the right fit. Working with a licensed Medicare agent can help you assess your healthcare and budget needs while finding the right level of supplemental coverage to meet them.

How Much Do National General Medicare Supplement Plans Cost?

Your monthly premium for a National General Medigap plan depends on several factors, including your age, ZIP Code, tobacco use status, and the coverage you choose. Generally, you will pay the lowest premium if you:

  • Enroll at age 65 during your Medigap Open Enrollment Period
  • Are female
  • Do not use tobacco products

Typically, women have lower premiums than men, and if you use tobacco, you will have a higher premium due to the immediate risk factors associated with tobacco use. Additionally, where you live affects your premium as well.

Different states use different rating methods, which also affect your premium, and knowing these factors is essential when comparing coverage options. Fortunately, National General Medicare Supplement plans are often highly competitive and provide low premiums with the supplemental healthcare coverage you deserve.

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National General Medicare Supplement Eligibility

In order to qualify for a National General Medicare Supplement plan, you need to be eligible for Original Medicare benefits. Because there are still out-of-pocket costs that you can incur after using Medicare Part A and Part B benefits, supplemental coverage is available. National General Medicare Supplement coverage will provide you with benefits that help you cover the costs that are left behind.

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Please note that while you are eligible if you qualify for Original Medicare benefits, you still may be denied coverage if you are enrolling outside of your Medicare Supplement Open Enrollment Period. You’ll be subjected to underwriting questions and may be denied coverage or receive your benefits at an elevated premium as a result.

National General Medicare Supplement Reviews

National General Insurance Company is a subsidiary company of the Allstate Corporation and offers a wide range of helpful Medicare Supplement plans. Along with these attractive coverage options, the company maintains an A+ (Superior) rating with the independent credit rating agency A.M. Best.

Credit ratings are important, and being a top-rated company indicates that National General Insurance Company is highly capable of holding up its financial responsibilities to its clients. National General Medigap plans continue to provide value and high ratings among beneficiaries meaning you’ll enjoy quality benefits and attentive customer service.

Beneficiaries enrolling in National General Medicare Supplement plans can often enjoy the lowest premiums in their area with competitive pricing in many markets. Because of its high financial strength and strong customer service capabilities, National General Medicare Supplement coverage can often represent one of the best Medicare Supplement plan options for your healthcare and budget.

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Do National General Medicare Supplement Plans Have A Network?

No, National General Medicare Supplement plans, like all Medigap plans, don’t have a provider network. This means when you’re receiving healthcare coverage nationwide, there are no network restrictions for you to follow when receiving coverage. Therefore, you can never face denial solely based on your chosen carrier. You can use your National General Medigap plan at any physician accepting Original Medicare nationwide.

How to Sign Up for National General Medicare Supplement Plans

Signing up for Allstate Medicare Supplement coverage doesn’t have to be a hassle. Our agents can help you find the right coverage to meet your needs, including comparing National General Medicare Supplement plans in your area.

By offering a comprehensive plan comparison with all the top carriers in your area, you can make the best choice for your healthcare coverage. Give us a call or complete our online rate form to see the rates for National General Medicare Supplement plans in your area now!

Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare educator serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

2 thoughts on "National General (Allstate) Medicare Supplement Plans"

  1. My husband has National General Medicare part B. Suddenly claims are not getting paid, and phone number on his card is not valid. His policy number is not valid. We have just found his cancer has spread and are afraid to schedule surgery till we get this straight. Our insurance agent doesn’t reply to my messages. Help!

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