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medigap supplemental insurance plans
Once you turn 65, you may now be learning more about Medigap supplemental insurance plans. Most people are unaware that basic Medicare plans do not cover a lot of extras, such as foreign travel, long term assisted living care, and more. With Medigap supplemental insurance plans, you can fill in the gaps that your regular policy does not cover.
In every state, Medigap supplemental insurance plans are different, and certain insurance companies only provide insurance for certain states. Other insurance companies have restrictions on eligibility and you will want to locate the best insurance for your personal needs. If you live in the state of California, you are lucky to have what is called “the birthday rule” which means that you are able to have a Medigap open enrollment period to upgrade your policy for 30 days from your birthday every year. In California, you have “The right to purchase a Medigap policy during your Open Enrollment Period or a Guaranteed Issue Period without medical underwriting and without any waiting period for pre-existing conditions when you had previous coverage. The right to accurate comparisons of your insurance coverage options. The right to truthful and straightforward sales and advertising from Medigap insurance agents and companies.” You still may need to qualify for a policy based on medical conditions, and many insurance companies will restrict certain pre-existing conditions such as end stage renal failure, diabetes, and more.
We have collected a listing of insurance companies to help you research Medigap supplemental insurance plans that are available to you. Please take your time in considering which insurance company to go with, and this database should not be considered a recommendation of these companies listed, only a resource for your convenience.
Some Insurance companies that offer Medigap / Supplemental Medicare Insurance / Medicare Policies in the United States are:
AARP Health Care Options- 800-523-5800 www.aarp.org
American Family Life Assurance Co.- 800-992- 3522 www.aflac.com
American Life & Health Insurance Co – 800-338-7634
Bankers Life and Casualty Co. – 800-621-3724
Blue Shield (Shield 65) - 800-488-8000
Combined Insurance Co. of America - 888-878-2422
Central States Health & Life Co. of Omaha – 800-541-2363 www.cso.com
Conseco Health Insurance Co.- 800-541-2254 www.conseco.com
Continental General Insurance Co.- 877-291-5434
GE Life and Annuity Assurance Co. - 800-253-0856
Globe Life and Accident Insurance Co. – 800-801-6831 www.globecaremedsupp.com
Health Net Life Insurance Co. - 800-944-7287 www.health.net
Life Investors Insurance Co. of America - 800-752-9797 www.lifeinvestors.com
Lincoln Heritage Life Insurance Co. - 800-438-7180 www.lhlic.com
Medico Life Insurance Co./ Mutual Protective - 800-228-6080 www.gomedico.com
Mennonite Mutual Aid Assoc. – 800-348-7468
Monumental Life Insurance Co. - 800-752-9797 www.monlife.com
Mutual Of Omaha Insurance Co. - 800-316-0842 www.mutualofomaha.com
Nationwide Life Insurance Co. - 877-234-2727 www.nationwidehealthplans.com
Oxford Life Insurance Co. – 800-627-4282
Pacificare Life and Health Insurance Co. - 800-637-9284
Pennsylvania Life Insurance Co. – 800-275-7366
Physicians Mutual Insurance Co. – 800-228-9100 www.physiciansmutual.com
Standard Life and Accident Insurance Co.- 800-899-6503 www.anico.com
State Farm Mutual Automobile Insurance Co. – contact your local agent
Thrivent Financial for Lutherans – 800-847-4836
United American Insurance Co. – 800-331-2515 www.unitedamerican.com
United Teachers Associates Insurance Co. – 800-880-8824 www.utaic.com
USAA Life Insurance Company - 800-531-8000 www.usaa.com
World Insurance Co. – 800-786-7557 www.worldinsco.com
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