Gerber Life Insurance Company
Medicare Supplement Plans - 2026 Rates, Reviews & Coverage
About Gerber Life
Gerber Life Insurance Company, a subsidiary of Western & Southern Financial Group since 2019, directly underwrites Medicare Supplement plans in approximately 32 states. While best known for children's life insurance, Gerber Life offers a competitive Medigap product line with 9 plan letters. Their A+ (Superior) AM Best rating reflects the strong financial backing of Western & Southern Financial Group. Gerber Life offers all standardized plans in most states where they operate, with some state-specific limitations.
Available Medigap Plans
All Medigap plans are standardized by federal law - a Plan G from Gerber Life offers identical benefits to a Plan G from any other carrier. The only difference is the premium.
Plan C and Plan F are not available to anyone who became eligible for Medicare on or after January 1, 2020.
Strengths
- Subsidiary of Western & Southern Financial Group - strong financial backing
- A+ (Superior) AM Best rating
- Competitive pricing in states where available
- 9 plan letters available including G, N, and F
- All plans offered on guarantee issue basis during open enrollment
Considerations
- Available in approximately 32 states (not nationwide)
- Brand primarily associated with children's insurance
- Smaller Medigap market presence than major carriers like UHC or Mutual of Omaha
- No household discount publicly advertised
Best For
Enrollees in states where Gerber Life operates who want strong financial backing (A+ rated) at competitive prices.
Not Ideal For
Enrollees in states where Gerber Life doesn't operate, or those who want a carrier with a dedicated Medicare-focused brand.
Pricing Overview
Gerber Life is competitively priced in the states where they operate.
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