Family Life Medicare Supplement plans …
Family Life is quickly becoming a medigap company who everyone is noticing. Very low premiums, excellent customer service and very easy to contact. Family Life is a name some of us have not heard of … yet. Currently offering Medicare Supplement plans in 35 states, Family Life consistently has some of the lowest rates in the U.S. They are able to offer these plans at low prices because they spend less money on marketing. As a result, they are able to pass this savings on to their customers.
When shopping you will want to compare the Family Life Medicare Supplement plans with the companies you are reviewing. Family Life is currently offering six Modernized Medicare Supplement plans; A, B, C, D, F & G, you will certainly be able to find a plan that fits your needs and budget.
Family Life Medicare Supplement Rates
For those of you over age 65 and on Medicare A and B, a Medicare Supplement plan is an actual insurance policy that helps pay some or all of the deductibles, coinsurance, copays and excess charges which Medicare does not cover. As of June 1, 2010 all Medicare Supplement companies including Family Life have adjusted their plan benefit schedules to adhere to the federal guidelines and all companies have also had to re-submit their new “Modernized” rates to each state which they offer plan in. This has brought a lot attention to Family Life because of their favorable rates in so many areas.
Are you New to Medicare?
If you are new to Medicare parts A and B you are in a position which makes it very easy to become a member of a Family Life Medicare Supplement plan or any other company of your choice. If you are within 6 months of purchasing Medicare Part B coverage, you are in a “Guaranteed Issue” position. Meaning you can apply to any company and plan which is offered in your area, without having to qualify medically. Simply complete the application and submit with a copy of your Medicare card (Red, White & Blue card), and your approval is guaranteed.
My rates are going up … I’m shopping!
Depending on the state where you live, it’s quite easy to move to another more competitive company which offer your current Medigap plan. The new company will typically look at your answered medical questions on the application and base their decision on your answers. If you live in California, you have the luxury of the state “Birthday Rule,” which allows you to switch companies annually on the month of your birthday without having to qualify medically.
Medicare Supplement Plans …
The most popular plans are; C, F, G and the new N. With plan F rising to to top of all available plans. Simply because of the comprehensive nature. No need to worry about deductibles, coinsurance or copays. Show your card and it pays.
As you can see from the chart above each plan offers a different benefit package to choose from. Besides the plan benefits each company has different underwriting guidelines, financial ratings and stability, current rates and rate history. So for an objective opinion please feel free to call anytime so we can talk about your unique situation.
Family Life – Spouse Discount …
With Family Life Medicare Supplement plans, if both spouses apply together and are approved for coverage, then each will receive a 7% discount off of their premium. This discount will stay in force as long as both husband and wife are insured together.
Enrolling is Easy …
There are two ways of enrolling in a Family Life Medicare Supplement plan. You can enroll with a paper application which we can mail, fax or email to you, simply complete the application and mail, fax or email back to us with a copy of your Medicare card. Or, Family Life will also accept applications taken over the phone by your agent. We can fill out the application online while we speak to you. there is no “wet” signature required with this option. The processing department will contact you to make sure all questions have been answered correctly and to verify your enrollment.
Also don’t forget about Dental. You can view rates and plan info here.
I’m here to help, so please feel free to call or email anytime with your questions.
Call Today .. 800-700-1246
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916-258-0296 – fax