American Retirement Medicare Supplement Guide for Seniors

As a senior, navigating the complex world of Medicare can be overwhelming, but don't worry, we've got you covered. Medicare Supplement plans, also known as Medigap, can help fill in the gaps in your original Medicare coverage.

Medicare Supplement plans are standardized, meaning they're the same across different insurance companies, with the same benefits and coverage. This allows you to shop around for the best price without sacrificing coverage.

There are 10 standardized Medicare Supplement plans, labeled A through N, each offering different levels of coverage. Plan A is the most basic, covering basic benefits, while Plan F is the most comprehensive, covering almost all out-of-pocket costs.

You can enroll in a Medicare Supplement plan during your Initial Enrollment Period, which starts three months before your 65th birthday and ends three months after.

If you're looking for a Medicare Supplement plan, you have several options to consider. You can choose from various plans, including Medicare Supplement Plan F.

Medicare Supplement Plan F is a popular choice due to its comprehensive coverage and simplicity of use. It allows you to use any Medicare contracted physician or hospital nationwide, reducing your out-of-pocket expenses and providing additional benefits.

Some plans, like Humana Benefit Plan of Illinois, Inc., offer individual policy plans, while others, like American Retirement Life Insurance Company (ARLIC), offer group policy plans. It's essential to check the plan details to determine which option is best for you.

Here's a breakdown of some Medicare Supplement plans:

It's worth noting that Medicare Supplement Plan F does not include prescription drug coverage, so you may need to enroll in Medicare Part D or have other creditable prescription drug coverage.

You're considering your options for American Retirement Medicare Supplement insurance. Several providers are available, each with their own set of plans and rates.

Here are some key facts about the providers mentioned:

AARP/United Healthcare offers a range of insurance options for individuals and groups.

You can reach their customer service department by calling (800) 523-5800.

For those 65 and older, special policy plans are available, including A, B, C, F, G, K, L, and N.

However, individual policy plans are not available for people under 65.

If you're under 65 and part of a group, special policy plans A, B, C, F, G, and K are available.

Rates for AARP/United Healthcare vary based on Medicare enrollment date and discount eligibility.

Health Net Life Insurance Company is a great option for those looking for a Medicare supplement plan. They offer a range of plans for individuals over 65, including A, D, F, *High F, G, *High G, and N.

Their customer service phone number is (800) 926-4178, and you can also reach out to them via email at [email protected].

If you're looking for a plan that fits your needs, Health Net Life has a variety of options to choose from. They offer annualized rates for non-tobacco users, and monthly rates are effective from March 1, 2024, through February 28, 2025.

Their plans are designed to be affordable and easy to understand, making it a great choice for those who want a hassle-free insurance experience.

Humana offers a range of Medicare Supplement policies. You can reach their customer service team at (888) 310-8482.

Humana's Medicare Supplement policies are available for individuals over 65. Their plans include A, B, C, F, High F, G, High G, K, L, and N.

Humana's policies are underwritten by Humana Insurance Company and Humana Benefit Plan of Illinois, Inc. These insurers have sole responsibility for their respective products.

If you're looking for a Medicare Supplement plan from Humana, you can expect to pay Preferred non-smoker rates. These rates are based on your health status and other factors.

Here are the Medicare Supplement plans offered by Humana's two insurers: