State Farm Medicare Supplement Overview
Navigating Medicare supplement insurance (Medigap) requires careful evaluation of costs, provider networks, and insurer reliability. For Medicare enrollees looking for a carrier with a strong customer service footprint and minimal complaints, State Farm Mutual Automobile Insurance Company offers several standardized Medigap options. Sold exclusively through local agents, State Farm stands out for its high financial strength and slow historical rate increases, though it lacks certain features like household discounts.
Plan Options and Availability
State Farm offers various Medigap plans depending on the state, though availability is limited in certain regions:
- Available Plans: Plans A, C, F, G, and N are offered in Texas, while Ohio and Arizona also include Plan D. Note that Plans C and F are restricted to beneficiaries eligible for Medicare before 2020.
- Geographic Restrictions: Policies are not sold in Connecticut, Massachusetts, New Jersey, New York, or Rhode Island.
- Pricing Structures: Pricing varies by location, utilizing attained-age pricing in Texas and Ohio (where premiums rise as you age) and issue-age pricing in Arizona (based on your age at purchase).
Monthly Costs for Plan G and Plan N
Premiums vary depending on location, age, and gender. According to Medicare.gov data from September 2026, monthly costs for Plan G at age 65 include:
- Dallas: $188.87 for women and $192.95 for men
- Columbus: $184.20 for women and $188.45 for men
- Phoenix: $184.11 for women and $203.24 for men
Additionally, Plan N rates at age 65 range from $128.44 to $140.93 per month for women and $133.79 to $157.17 for men.
Pros and Cons of State Farm Medigap
Pros
- Low Complaint Record: The company maintained a National Association of Insurance Commissioners (NAIC) complaint index between 0.71 and 0.88 from 2023 through 2025, reflecting fewer complaints than expected for its size.
- Financial Strength: AM Best gives the insurer an A+ (Superior) financial strength rating.
- Stable Rate Increases: NerdWallet tracking shows State Farm experienced some of the slowest average annual premium increases among reviewed insurers at 3.7% over a three-year period.
Cons
- No Household Discounts: Policies do not include discounts for couples or multiple household members.
- Recent Rate Adjustments: CSG Actuarial notes that Plan G premiums increased by 5% to 20% across 22 states in 2026, including a 17.9% hike in Texas in June.
- Application Process: While initial quotes can be started online, final applications must be completed with a local State Farm agent.
