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The Top 5 Medicare Supplement Companies

September 5, 2020 by bob

The Top 5 Medicare Supplement Companies

There are hundreds of Medicare Supplement companies across the country . So to narrow it down and choose the best companies in the industry, we took the following factors into consideration:

  1. Financial Strength
  2. Company Integrity
  3. Premium
  4. Rate Increase History

Allstate

Allstate is a leading insurance company that has been in business for over 80 years. While primarily known for their auto and home insurance policies, Allstate also offers Medicare Supplement plans to help fill the gaps in Original Medicare coverage.

Allstate’s Medicare Supplement plans are offered through National General Insurance Company, a company Allstate acquired in 2021. Allstate offers a variety of Medicare Supplement plans, including Plan A, Plan F, Plan G, and Plan N.

Network

The company’s policies allow customers to see any medical professional who accepts Medicare. Policies are also guaranteed renewable, meaning that the company can not cancel coverage because of health conditions.

Customer Service

Customers have access to a convenient customer online portal. .

Pricing Structure and Available Discounts

Allstate offers multiple, ‘stackable discounts’ which can result is a savings of up to 25%.

Roommate Household Discount – 7% :  Offered to those residing with someone 50+ years of age for 1 year or more

Dual applicant discount – 10% : When two (2) people in the same residence apply for plans at the same time (equal to 7% roommate discount plus 3% dual-applicant discount)

Annual pay discount – 10% : Select annual payment for a 10% discount on the premium

Activity-Tracker discount – 5% :  Register your Fitbit/Apple Watch or other wearable fitness device and save 5%

Annual rate increases in the past have averaged an estimated 3.5%

Aetna

Founded in 1853, Aetna serves nearly 40 million customers across the United States. It offers a diverse selection of health insurance plans and is particularly experienced in Medicare Solutions. Aetna has been working with the Medicare system for over 50 years and has been offering Medicare Supplement Insurance for over a decade.  In addition to having a wealth of experience,

Network

The company’s policies allow customers to see any medical professional who accepts Medicare. Policies are also guaranteed renewable, meaning that the company can not cancel coverage because of health conditions.

Customer Service

Customers have access to a convenient customer online portal. On the website, you’ll be able to track your claims, view policy information, make payments, and request a replacement ID card.

Pricing Structure and Available Discounts

Aetna in Texas uses the Attained-age pricing structure, Aetna offers a 12-month rate lock, guaranteeing that premiums will not go up in the first year of coverage. Aetna does offer a 12% household discount for customers who are living with at least one other senior with Aetna Medicare Supplement Insurance. The company also offers a 30-day “Free Look” period, which allows you to cancel for any reason within the first 30 days and receive a full refund. Aetna’s annual rate increases are within the normal range however, after 5 or 6 years have been above the normal range of 3 to 5%

.

 AARP by United Health Care

United Health Care is the largest healthcare organization in the world. They currently serve over 115 Million Customers. Their size and financial strength give them a A+ rating. They continually innovate and offer benefits other Medicare Supplement providers do not.

Customer Service

Recently, AARP/UHC restructured their underwriting creating stable and competitive rates for consumers.  Clients must be AARP members to enroll in the AARP branded plan.

Network

The company’s policies allow customers to see any medical professional who accepts Medicare. Policies are also guaranteed renewable, meaning that the company can not cancel coverage because of health conditions

Pricing Structure and Available Discounts

 AARP/UHC in Texas uses the Community-Rated pricing structure, they offer a 39% discount for the first 12 years and rate increases are one of the lowest in the nation averaging around 5 to 6% each year. AARP does offer a 5% household discount if both spouses are enrolled in AARP supplement plans. With the Wellness benefit plans each customer also receives free gym memberships and a discount Dental program. Because of their customer service, features such as friendly applications, and a 24/7 nurse line they have one of the highest persistency rates in the industry.

 Mutual of Omaha

In 1909 a couple founded Mutual of Omaha to care for patients without financial resources. Today they are one of the strongest health and life companies in the Fortune 500.  Mutual of Omaha consistently receives the highest customer service ratings among their peers.

Customer Service

Mutual of Omaha consistently receives the highest customer service ratings among their peers.

Network

The company’s policies allow customers to see any medical professional who accepts Medicare. Policies are also guaranteed renewable, meaning that the company can not cancel coverage because of health conditions

Pricing Structure and Available Discounts

 Mutual of Omaha in Texas uses the Attained-Age pricing structure.  They offer an 8% household discount if there are two people in the household. Rate Increases are in the normal range at present.

Blue Cross Blue Shield

BCBSTX is an independent licensee of the Blue Cross network.  In addition to Medicare Supplement insurance, this company provides access to life insurance, as well as Health, dental, vision and hearing coverage options.  The company is strong and stable financially, and it has a good reputation for paying out benefits. Blue Cross and Blue Shield of Texas has a rating of A+ from A.M. Best Company, a provider of financial data and credit ratings in the insurance industry.

Customer Service

BCBS consistently receives the highest customer service ratings among their peers.

Network

The company’s policies allow customers to see any medical professional who accepts Medicare. Policies are also guaranteed renewable, meaning that the company can not cancel coverage because of health conditions

Pricing Structure and Available Discounts

 BCBS in Texas uses the Attained-Age pricing structure.  They do offer a household discount of 10%. Rate increases are well below most of the other companies averaging about 2.5% to 3.5% per year.

Humana

With over 13 million customers nationwide, Humana is one of the most respected insurance providers in the industry. The company was founded in 1961 and is now the third-largest health insurance provider in the United States. Humana has received numerous awards and has been recognized by The National Business Group on Health, the American Heart Association, and the Military Times for its high-quality products and customer service. Humana is accredited with the Better Business Bureau and has an A+ rating

Customer Service

Humana have great online customer tools

Network

The company’s policies allow customers to see any medical professional who accepts Medicare. Policies are also guaranteed renewable, meaning that the company can not cancel coverage because of health conditions

Pricing Structure and Available Discounts

Humana uses the Attained-Age pricing structure.  They do not offer a household discount if both spouses are enrolled in a supplement plan. They do offer a gym membership. Rate increases can be above average.

 

 

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