Please Note:
Medigap Protection for
People on Medicare Under
Age 65!
Read more about this
recently enacted consumer
protection law on page 3.
State of Illinois
Pat Quinn, Governor
Department of Insurance
Michael T. McRaith, Director
2009 Medicare Supplement
Premium Comparison Guide
Because the Best Choice is an Educated Choice
When reproducing information contained in this publication, rate information for each
area must be reproduced in its entirety.
Premium rates in this guide are divided into three regions as listed below:
Medicare supplement premiums for the Chicago area begin on page 17 in the blue
section.
Cook
Kane
McHenry
DuPage
Lake
Will
Medicare supplement premiums for the Northern/Central area begin on page 31 in the
red section.
Adams
Boone
Brown
Bureau
Carroll
Cass
Champaign
Christian
Clark
Coles
Cumberland
DeKalb
DeWitt
Douglas
Edgar
Ford
Fulton
Grundy
Hancock
Henderson
Henry
Iroquois
Jo Daviess
Kankakee
Kendall
Knox
LaSalle
Lee
Livingston
Logan
Macon
Macoupin
Marshall
Mason
McDonough
McLean
Menard
Mercer
Montgomery
Morgan
Moultrie
Ogle
Peoria
Piatt
Pike
Putnam
Rock Island
Sangamon
Schuyler
Scott
Shelby
Stark
Stephenson
Tazewell
Vermilion
Warren
Whiteside
Winnebago
Woodford
Medicare supplement premiums for the Southern area begin on page 45 in the green
section.
Alexander
Bond
Calhoun
Clay
Clinton
Crawford
Edwards
Effingham
Fayette
Franklin
Gallatin
Greene
Hamilton
Hardin
Jackson
Jasper
Jefferson
Jersey
Johnson
Lawrence
Madison
Marion
Massac
Monroe
Perry
Pope
Pulaski
Randolph
Richland
Saline
St. Clair
Union
Wabash
Washington
Wayne
White
Williamson
This publication has been created or produced by Illinois SHIP with financial assistance,
in whole or in part, through a grant from the Centers for Medicare & Medicaid Services, the
federal Medicare agency.
Important Numbers to Remember
Senior Health Insurance Program (SHIP)
800-548-9034
Free Medicare counseling
SHIP
TDD
Number
217-524-4872
For hearing-impaired individuals
Social
Security
Administration
800-772-1213
Medicare eligibility and enrollment
Medicare
(1-800-MEDICARE)
800-633-4227
Medicare claims, appeals, drug plan information
Illinois Department on Aging, Senior Helpline
800-252-8966
Illinois Cares Rx and information and referral services
Comprehensive Health Insurance Plan (CHIP)
866-851-2751
Insurance coverage for people who can’t get insurance
Office of Consumer Health Insurance (OCHI)
877-527-9431
Information and referral services for the uninsured
Healthcare & Family Services/Health Benefits Hotline 800-226-0768
IL Cares Rx and Medicaid questions
This Guide is updated annually. There may be companies offering Medicare supplement plans
not included on this list because their plan was approved after the Guide was printed. Companies
may also be listed that have ceased offering Medicare supplement plans after the Guide was
printed. This Guide can also be viewed in its most current form and printed from the Illinois
Department of Insurance website
www.idfpr.com
. The website may have more current
Table of Contents
How to Use this Guide
2
Definition of Terms and Special Provisions
3
Additional Options for People on Medicare
4
Medicare Supplement Benefits for Plans A-L
6
Core Benefits of Plans K and L 7
Explanation of Medicare Supplement Benefits
8
Company Complaint and Financial Ratings
9
Medicare Supplement Rights and Guarantees
10
Explanation of Terms Used in Premium Charts
12
Premium
Calculation
Methods 13
Medicare Select
14
Medicare
Supplement
High-Deductible
Option
15
Chicago Area Medicare Supplement Premium Charts
17
Northern/Central Area Medicare Supplement Premium Charts
31
Southern Area Medicare Supplement Premium Charts
45
Regional Rate Charts for Medicare Select Plans
59
How to Use this Guide
This Guide has been prepared to assist you in making an informed decision about
purchasing a Medicare supplement insurance policy, sometimes referred to as
“medigap.” The 12 Medicare supplement plans currently available, Plan A through
Plan L, are identical from company to company, so comparison for price is
important! Not all insurance companies sell all 12 plans. The chart on
page 6
lists
the benefits offered under each plan. In addition to the regular Medicare
supplement plans A through L, plans F and J are also available as High-Deductible
plans
(see page 15).
Additionally, you may have the option of choosing a
Medicare Select plan, which is explained on
page 14
.
Please note that medigap policies must be clearly identified as “Medicare
supplement insurance” and that the company cannot include any additional benefits
other than those outlined on
page 8
. Each rate chart lists the insurance companies
licensed to sell those specific insurance plans in Illinois, the
approximate amount
they charge by age for your area
, and other important information about each
plan.
Medigap companies are prohibited from selling new medigap policies with
prescription drug benefits because of Medicare’s prescription drug coverage,
Medicare Part D. The Medicare Part D coverage is provided through private
insurance companies and Medicare Advantage plans offering prescription drugs.
The premiums listed in this Guide were approved and are on file with the Illinois
Department of Insurance. These premiums were effective as of March 2009, but
may change during the year. You can also contact the company for accurate
premium information specific to your situation.
Licensed insurance companies that sell only to groups and not individuals may not
be included in this guide.
Please take time to read the valuable information printed in this shopping
guide.
If you have any questions about this Guide, Medicare supplement insurance
in general or Medicare prescription drug plans, you may contact the Illinois
Department of Insurance, Senior Health Insurance Program (SHIP) at
1-800-548-9034; TDD number (217) 524-4872; or email SHIP at
Definition of Terms and Special Provisions
30-Day Free Look
:
After you
receive
a Medicare supplement policy, you get a
30-day free look period during which you can review the policy, cancel if you
choose and get a full refund of premium. If you wish to cancel, it is recommended
you return the policy directly to the company (not the insurance agent) by certified
mail return receipt requested.
Guaranteed Renewability:
All 12 standardized Medicare supplement plans
are guaranteed renewable for life. This means that the company cannot individually
cancel your policy unless you do not pay the premiums or you falsify information on
your application.
Creditable Coverage
: Certain types of previous health insurance coverage that
can be used to shorten or eliminate a pre-existing condition waiting period under a
medigap policy. You cannot have more than a 63 day break in coverage between
the previous health insurance coverage and your Medicare coverage.
Standardized Coverage
: Medigap policies sold in Illinois after 1992, and entitled
Plans A through L, are identical in coverage from company to company.
Open Enrollment Period
:
Effective June 1, 2008, people under the age of
65 on Medicare due to a disability have the same Open Enrollment rights as
people 65 and older.
Anyone going onto Medicare Part B
for the first time
has
six months from the date your Part B coverage takes effect to shop for a Medicare
supplement policy.
During the open enrollment period, you cannot be refused
coverage
due to your age or any medical condition you may have. Unless you
have prior creditable insurance coverage (see definition above), the company
may
impose a waiting period for coverage of pre-existing conditions for up to six months,
but it
cannot refuse
to sell you a plan if you apply within your open enrollment
period.
PLEASE NOTE:
If you are under 65 and receive notification of your Medicare
Part B eligibility retroactively, your six month Open Enrollment Period starts on
the date you receive that notification.
Information for the Disabled Turning 65
:
If you are under age 65 and
currently on Medicare because of a disability,
when you turn 65
you will be eligible
for another six month Medicare supplement open enrollment period due to age.
This will give you the opportunity to purchase a medigap policy based on the age of
65, which may reduce your monthly premium.
Additional Options for People on Medicare
Individuals on Medicare
can apply for coverage under a Medicare Advantage
plan as an alternative to traditional Medicare
. These types of Medicare health
plans
must
accept anyone who applies for coverage, with the exception of most
people who have End Stage Renal Disease (kidney failure). Four types of Medicare
Advantage plans are available to some or all Illinois residents who have Medicare,
depending on where they live. Medicare Advantage Plans cover Parts A&B of
Medicare and may offer Part D prescription drug coverage as well. Persons who
have their Medicare contracted through a Medicare Advantage plan do
not
need a
Medicare Supplement Policy. The four types of Medicare Advantage Plans are as
follows:
•
Health Maintenance Organizations (HMOs)
are only available in certain
zip code areas and counties. HMOs utilize a network of providers, doctors
and hospitals, who have contracted with the HMO to provide services to
their members. In order to utilize specialists, a referral must be arranged
through a primary care physician. If you use an out-of-network provider, no
payment will be made by the HMO or Medicare. Exception: HMOs with a
Cost Contract may cover services of non-network providers at a higher cost
to you.
•
Preferred Provider Organizations (PPOs)
are only available in certain
counties in Illinois. PPOs may allow members to seek services outside of
the PPO network and they may charge higher co-payments for these
benefits.
•
Private Fee-For-Service (PFFS)
plans are available in all areas of the state
and differ from HMOs and PPOs in that they do not utilize a network of
contracted providers. People in a PFFS may obtain services from any
provider that accepts the plan’s terms and conditions. Contact your
providers before purchasing a PFFS plan to see if they will accept this type
of insurance. If the provider does not agree to accept the plan, the
beneficiary is responsible for all charges associated with the service.
•
Medical Savings Accounts (MSAs)
are trust accounts into which Medicare
makes periodic deposits to be used for health care costs. Individuals must
purchase a high deductible health insurance that pays for Medicare
approved benefits after the deductible is met.
•
Special Needs Plans (SNPs)
are plans which focus on individuals with
special needs. Special Needs Plans may target enrollment to one or more
special needs identified as: 1) institutionalized; 2) dual eligible; and/or
3) individuals with severe or disabling chronic condition(s).
To inquire whether Medicare Advantage plans are available in your area or to
obtain additional information about these plans, call the Illinois Department of
Insurance at 1-800-548-9034. A list of the plans available in Illinois can be found in
the back of your current Medicare & You Handbook.
The
Comprehensive Health Insurance Plan (CHIP)
may be another option for
persons on Medicare due to a disability who are unable to get a medigap policy
from other sources. CHIP is funded by premiums paid by the member and the
state to provide insurance coverage for Illinoisans who are “medically uninsurable.”
CHIP’s Plan 2 offers Medicare secondary coverage to people under age 65 on
Medicare, but it does
not
conform to the 12 standardized plans discussed in this
publication and will not pay any expense that Medicare has already paid. Now that
Medicare covers prescription drugs, you must join a Medicare prescription drug
plan in order to get insurance coverage for most drug expenses.
For more information about Medicare prescription drug plans, call SHIP at
1-800-548-9034.
To receive more information about
CHIP
,
visit www.chip.state.il.us on the web
Medicare Supplement Benefits for Plans A-L
This chart indicates the benefits included in each of the twelve standardized
Medicare supplement plans. Note that Plans A – J have one set of core benefits and
Plans K and L have a different set of core benefits.
Core Benefits for Plans A – J include
:
•
All Part A coinsurance expenses for:
-
$267
per day for 61st through 90th day;
-
$534
per day for 91st through 150th day;
•
Upon exhaustion of Part A hospitalization benefits, full coverage of an
additional 365 days per lifetime;
•
Part B coinsurance or copayment; and
•
First three pints of blood each calendar year.
Benefits
Included
Plan
A
Plan
B
Plan
C
Plan
D
Plan
E
Plan
F
Plan
G
Plan
H
Plan
I
Plan
J
Plan
K
Plan
L
Core
Benefits
√
√
√
√
√
√
√
√
√
√
√
*
√
*
Skilled
Nursing
Coinsurance
√
√
√
√
√
√
√
√
(50%
√
(75%)
√
Part A
Deductible
√
√
√
√
√
√
√
√
√
√
(50%)
(75%)
√
Part B
Deductible
√
√
√
Part B
Excess
(100%)
√
√
√
Part B
Excess
(80%)
√
Foreign
Travel
Emergency
√
√
√
√
√
√
√
√
At Home
Recovery
√
√
√
√
Preventive
Care
√
√
*
Core benefits for Plan K and L are the same as listed above with the exception of 50% (Plan K)
and 75% (Plan L) payment for the Part A deductible, Part B coinsurance, the blood deductible,
hospice care coinsurance and Skilled Nursing Facility coinsurance. Refer to the next page.
Core Benefits for Plans K and L:
Medigap Plan K
Medigap Plan L
Medicare Part A Coinsurance and Hospital
Benefits: Days 61 – 150 (100%)
Medicare Part A Coinsurance and Hospital
Benefits: Days 61 – 150 (100%)
Medicare Part A Deductible (50%)
Medicare Part A Deductible (75%)
Medicare Part B Coinsurance or
Copayment (50%)
Medicare Part B Coinsurance or
Copayment (75%)
Blood Deductible (50%)
Blood Deductible (75%)
Hospice Care Coinsurance or
Copayment (50%)
Hospice Care Coinsurance or
Copayment (75%)
Medicare-covered Preventive Care
Coinsurance (100% of the
Medicare-approved amount)
Medicare-covered Preventive Care
Coinsurance (100% of the
Medicare-approved amount)
Skilled Nursing Facility Coinsurance (50%) Skilled Nursing Facility Coinsurance (75%)
Medigap Plans K and L provide for different cost-sharing amounts for items and
services than Medigap Plans A – J. You will have to pay some out-of-pocket
costs for some covered services until you meet the yearly limit (Plan K is $4,620
and Plan L is $2,310 in 2009). After the out-of-pocket limit is reached, the
medigap policy will cover 100% of Medicare Part A and B coinsurance amounts
for the remainder of the calendar year. Charges from your doctor that exceed
Medicare-approved amounts, called “excess charges,” are not covered and do not
count toward the out-of-pocket limit. You will have to pay these excess charges.
Explanation of Medicare Supplement Benefits
Part A Deductible (Found in Plans B through L)
•
Pays the
$1068
Medicare Part A inpatient hospital deductible in each
benefit period.
Skilled Nursing Coinsurance (Found in Plans C through L)
•
Pays the $
133.50
/day coinsurance amount for days 21–100 in each
benefit period.
•
Must be in a Medicare–certified Skilled Nursing Facility.
Part B Deductible (Found in Plans C, F and J)
•
Pays the $
135
Medicare Part B deductible each calendar year.
•
The Part B deductible only applies to Medicare–approved charges.
Foreign Travel Emergency (Found in Plans C through J)
•
Pays 80% of actual charges for medically necessary emergency care
received in a foreign country. The following restrictions apply:
¾
Expenses must be incurred during the first 60 days of the trip;
¾
$250 calendar year deductible;
¾
Lifetime maximum of $50,000.
At Home Recovery (Found in Plans D, G, I and J)
•
Pays for at home assistance with activities such as
bathing, dressing, personal hygiene, etc. The following
restrictions apply:
¾
Must be used while you are receiving Medicare–
approved Home Health Care or up to eight weeks after
the last Medicare–approved Home Health visit;
¾
$1,600 calendar year maximum.
•
At Home Recovery visits are limited to:
¾
four hours in duration;
¾
maximum of seven visits per week;
¾
$40 per visit;
¾
same number of At Home Recovery visits as Medicare-approved
Home Health visits.
¾
Preventive Care
(Found in Plans E, J, K and L)
•
Pays for the following routine services not approved by Medicare:
¾
Routine physical exams;
¾
Hearing screening test administered or ordered by a physician;
¾
Serum cholesterol screening (every five years);
¾
Diabetes screening;
¾
Thyroid function test; and
¾
Other tests determined appropriate by the attending physician.
•
$120 limit per calendar year.
Part B Excess (Found in Plans F, G, I and J)
•
Pays for the difference between the Medicare–approved amount and the
doctor’s actual charge up to 15% over the Medicare–approved amount.
¾
Plans F, I and J pay 100% of these excess charges.
¾
Plan G pays 80% of these excess charges.
Prescription Drugs
are no longer available under medigap plans unless you
retained an H, I or J policy issued prior to January 1, 2006. Medicare now
provides prescription drug coverage through private insurance companies via
stand-alone prescription drug plans (PDPs) or through Medicare Advantage
plans offering a prescription drug benefit (MAPDs).
Further Information Available
Although the Illinois Department of Insurance does not rate the financial condition
of insurance companies, SHIP can give you additional information from other
rating organizations on insurance companies that may help you decide where to
buy insurance. Once you have narrowed your choices to two or three companies,
you may
call SHIP at 1-800-548-9034
to obtain each company’s rating. Ratings
provide information on a company’s stability in the marketplace, as well as their
financial standing. Independent rating services conduct this research. The Illinois
Insurance Facts entitled Finding a Reputable Insurance Company-Using
Financial Rating Agencies posted on the Department of Insurance website lists
five of the independent rating services, their phone numbers and website
addresses.
Medicare Supplement Rights and Guarantees
In addition to the six month open enrollment period described on
page 3
,
federal law requires that Medicare supplement and Medicare Select
standardized plans A, B, C, F, K and L be guaranteed issue, without
pre-existing condition exclusions, in the following situations:
•
you have Medicare and an employer group health plan (either primary
or secondary to Medicare) that terminates or ceases to provide
all
such supplemental health benefits. If your employer plan is secondary
to Medicare and you elect to disenroll, you have no guaranteed issue
rights; or
•
you are enrolled in a Medicare Advantage plan, which includes a
Health Maintenance Organization (HMO), a Preferred Provider
Organization (PPO), a Private Fee For-Service (PFFS) or Medicare
Select plan and move out of the plan’s service area, or the insurer
goes out of business, withdraws from the market, has its Medicare
contract terminated, or the plan reduces its service area, violates its
contract provisions or is misrepresented in its marketing; or
•
you are insured by a Medicare supplement plan and the insurer goes
out of business, withdraws from the market, or the insurance
company or agents misrepresent the plan.
If you are covered under a Medicare supplement plan and discontinue that
plan to enroll in a Medicare Advantage or Medicare Select plan, you have
some specific guarantees. If you decide to return to the traditional Medicare
program before the end of the first twelve months of your
first
enrollment in
the Medicare Advantage or Medicare Select plan, you have the right to return
to your original Medicare supplement plan, if it is still available from that
insurer.
If it is not available,
you may select a Medicare supplement plan A,
B, C, F, K or L from any company you choose. In either case, you would
have no pre-existing condition waiting period.
Some special guarantees are extended to you if you enroll in a Medicare
Advantage plan when you first become eligible for Medicare Part A and
enroll in Part B at or after age 65. If you disenroll or are terminated from the
HMO, PPO, or PFFS within the first 12 months of your enrollment, you are
guaranteed to get
any Medicare supplement policy from any company
selling Medicare supplement plans
. Again, no pre-existing condition
Note:
With all of the guarantees mentioned, application for a Medicare
supplement policy must be made within 63 days of disenrollment for the
guarantees to be valid. Additionally, the company cannot charge more for
these guaranteed issue policies, or exclude benefits due to health reasons.
If you are enrolled in a Medicare Advantage or Medicare Select plan, are
moving out of the plan’s service area and returning to the traditional
Medicare program, you can notify the plan up to 60 days prior to the
termination date you will disenroll from the plan. You can then apply for a
Medicare supplement plan A, B, C, F, K or L during those 60 days prior to
the termination date to have your Medicare supplement policy effective the
first day you are returned to traditional Medicare. As long as you apply for
your Medicare supplement policy within the period of 60 days prior to and 63
days after your termination date from the Plan, it will be guaranteed issue.
You will have no pre-existing condition waiting period.
If you become entitled to benefits under Medicaid, you have the right to
suspend your Medicare supplement policy for up to 24 months; meaning that
the policy cannot be cancelled and you cannot be charged a premium during
the suspension period. If you become ineligible for Medicaid benefits during
this 24 month period and therefore need your Medicare supplement policy
again, as long as you notify your insurer within 90 days of the date of your
Medicaid ineligibility, your Medicare supplement policy must be reinstated
without penalty and you will not have a pre-existing waiting period.
You can also suspend your Medicare supplement policy if you have
insurance coverage with an employer-sponsored group health plan due to
your employment or that of your spouse (or parents in the case of a disabled
person). There is no limit to the amount of time your Medicare supplement
policy can be suspended.
Explanation of Terms Used in the Premium Charts
Guaranteed Issue:
If the words “Guaranteed Issue” appear in the
left-hand column under the insurance company name and telephone number,
then
at least one
of the plans sold by the company will be issued regardless
of health, once you are outside your “open enrollment” period. To determine
the “Guaranteed Issue” option for under 65 Medicare disabled beneficiaries,
you will need to contact the company directly. The specific qualifications of
the “guarantee option” benefit will be explained by the company.
Pre–X Wait Column (PX):
This column indicates the number of months
you must wait for your insurance plan to pay benefits for a pre-existing
condition. However, if you are replacing an existing Medicare supplement
plan,
or
if you had at least six months of continuous health care insurance
and purchase your Medicare supplement plan within 63 days of the
termination date of your previous policy, the new company must cover you
for all pre-existing conditions without any waiting period.
Policy Fee Column (PF):
The amount that the company charges a
one-time fee for reviewing and processing your application for insurance
coverage.
Claims X–Over Column (XO):
If there is a “Y” in this column, the
insurance company has signed a crossover agreement with the Illinois
Medicare Carrier to electronically receive Part B claims from Medicare. This
automatic process means you do not have to send your Medicare Part B
claims through the mail to your Medicare supplement company. An “N”
indicates that claims do not cross-over.
IMPORTANT:
If there is no dollar amount listed under a certain plan for a
particular company, it means that the company is not marketing that plan.
Also, the premiums listed in this Guide were approved and in effect with the
Department of Insurance in March 2009 and may change during the year.
This Guide can be accessed through the Department of Insurance website at
www.idfpr.com
. You can also contact the insurance company to obtain the
most up-to-date premium information.
Premium Calculation Methods
The rates quoted in this Guide are for male non-smokers in specific regions
of the state by zip code.
Rates may vary depending on gender and the
city in which you live. Rates listed are those in effect with the
Department of Insurance in March 2009.
For persons under 65 who become eligible to purchase a medigap policy,
companies may not charge a rate higher than the highest rate on the
company’s current rate schedule filed with the Illinois Department of
Insurance. The rates contained in this guide are provided for general
guidance. The actual rates for individuals under age 65 may vary from the
highest rate in this guide. Please contact the company directly to get the
actual rates.
Premium Calculation Methods:
Insurance companies use three different
methods of pricing policies based on age.
•
Issue Age:
Your premium will always be based on your age at the time
you purchased the plan. Any increases will be due to higher medical
costs or higher than expected claim costs for the entire class of
policyholders you are in. Your premium will not increase just because
you are growing older.
¾
An asterisk
*
by the company name indicates the company uses the
issue age method.
•
Attained Age:
Your premium will increase as you grow older. Additional
increases due to higher medical costs or higher than expected claim
costs are also possible. For example, if you buy a policy at age 65, when
you turn 70, you will pay whatever the company is charging for a person
70 years old. However, any rate increase that occurs must apply to the
entire class of policyholders in which you are categorized, not just to you
as an individual.
¾
No asterisk
(*)
by the company name indicates the company uses
the attained age method.
•
No Age Rating:
The premium for a specific policy is the same for
everyone over the age of 65, regardless of their age.
¾
A pound symbol
(#)
indicates the company uses the no age rating
Rates:
If you apply for a Medicare supplement policy after the open
enrollment period has expired, some companies may charge a higher rate for
smokers.
This Guide has three separate charts within the Chicago, Northern/Central and
Southern areas. The premium charts for each area are divided in the following
manner: Medicare supplement plans; Medicare Select plans; and High-Deductible
Medicare supplement plans.
Medicare Select
Medicare Select is another type of Medicare supplement policy.
Medicare Select companies have the right to require you to use
specific
hospitals
and doctors. However, Medicare Select plans currently available in Illinois only
require you to use specific hospitals for inpatient stays. This requirement does
not
apply in the case of an emergency. It is important to call the company to find out if
they have a Medicare Select plan available in your area and that your preferred
hospital is included before you decide to purchase this type of Medicare Select
policy.
Medicare Select plans must be one of the 12 A–L standardized plans. If you do not
follow the Medicare Select provisions, Medicare will pay its portion, but the
Medicare Select company is not required to pay your inpatient hospital deductible
or copayments. Please review your plan for specific guidelines. Because these
restrictions control costs for inpatient hospital stays, a company’s Medicare Select
premiums will be lower than that same company’s standardized Medicare
supplement premiums. If you have had a Medicare Select policy for at least 6
months and then cancel it, you will have the right to buy a standardized Medicare
supplement policy from the same company with comparable
or lesser
benefits
regardless of your health status. Also, depending on your health status and the
company’s underwriting standards, you may
be able to purchase a Medicare
supplement plan with greater benefits.
Medicare Select plans available in the Chicago area begin on
page 60
,
Northern/Central rates are on
page 62
, and you may turn to
page 64
for Medicare
Medicare Supplement High-Deductible Option
Another variation of a Medicare supplement policy available to you is a
“high-deductible option” on plans F and J. Generally, the premium for a high-“high-deductible
plan F or J will be lower than that company’s same Medicare supplement plan
without the higher deductible. The benefits for these high-deductible plans F and J
are identical to any other plan F or J. The only difference is that the plan will not
pay benefits until you have met the deductible (the amount you must pay out of
your pocket) for that calendar year.
The deductible for 2009 is $2,000.
This
deductible is adjusted each year to reflect the change in the Consumer Price Index.
In addition to the $2,000 deductible for plans F and J, there is also a separate $250
per year deductible for the foreign travel emergency benefit in plans F and J.
Medicare supplement high-deductible plans can be found on
page 67
for the
Chicago area,
page 70
for the Northern/Central area, and
page 73
for the Southern
Regional Rate Charts
for
Standardized Medicare Supplement
Plans
Chicago area
rates begin on page 17.
Northern/Central area
rates begin on page 31.
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L #
(AARP) UNITED HEALTHCARE INSURANCE COMPANY
under 65 1,872 2,812 3,541 3,312 3,321 3,559 3,330 3,271 3,303 3,663 1,620 2,263 65 874 1,313 1,653 1,546 1,550 1,661 1,554 1,527 1,541 1,709 756 1,056 www.aarphealthcare.com 75 1,373 2,063 2,597 2,429 2,435 2,610 2,442 2,399 2,422 2,686 1,188 1,660 800/523-5800 G uaranteed Issue 85 1,373 2,063 2,597 2,429 2,435 2,610 2,442 2,399 2,422 2,686 1,188 1,660
ADMIRAL LIFE INSURANCE COMPANY
under 65 2,274 2,866 3,101 2,893 2,918 3,138 2,914 65 1,189 1,498 1,706 1,513 1,526 1,771 1,523
no website available
75 1,738 2,189 2,422 2,210 2,230 2,479 2,226 800/321-0102 85 2,040 2,570 2,804 2,597 2,618 2,846 2,615
AMERICAN CONTINENTAL INSURANCE COMPANY
under 65 2,275 2,868 2,897 3,142 3,216 65 1,314 1,656 1,670 1,924 1,970 www.cont-life.com 75 1,739 2,190 2,213 2,480 2,542 3 $20 800/264-4000 85 2,042 2,573 2,598 2,849 2,917
AMERICAN REPUBLIC CORP INSURANCE COMPANY
under 65 3,600 4,437 65 1,660 2,046 www.americanenterprise.com 75 2,407 2,967 0$ 0 888/755-3065 85 3,150 3,882
NOTE: Column PX = Pre-existing Wait, Column PF=Policy Fee, Column XO=CrossOver
3$
0
0
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF X O telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
AMERICAN REPUBLIC INSURANCE COMPANY
under 65 4,022 3,931 65 1,849 1,647 www.americanrepublic.com 75 2,502 2,426 0$ 0 Y 800/247-2190 85 3,049 3,309
ASSURED LIFE ASSOCIATION
under 65 2,734 4,122 4,651 4,580 4,555 4,449 65 1,472 1,673 1,966 1,775 1,983 1,725 www.denverwoodmen.com 75 2,046 2,391 2,729 2,545 2,750 2,475 6 $25 Y 800/777-9777 85 2,339 3,135 3,527 3,371 3,514 3,277
*
BANKERS FIDELITY LIFE INSURANCE COMPANY
under 65 701 1,852 2,731 2,210 1,457 2,910 1,689 1,588 65 610 1,366 1,963 1,552 1,047 2,256 1,213 1,141 www.bflic.com 75 681 1,653 2,437 1,940 1,300 2,631 1,507 1,417 0$ 0 Y 866/458-7500 85 701 1,852 2,731 2,210 1,457 2,910 1,689 1,588
BANKERS LIFE AND CASUALTY COMPANY
under 65 4,296 3,989 4,439 3,256 4,615 3,080 3,201 3,981 1,874 2,494 65 2,732 2,287 2,523 1,764 2,589 1,703 1,689 2,095 986 1,312 www.bankerslife.com 75 3,625 3,263 3,606 2,604 3,742 2,518 2,573 3,193 1,503 2,000 0$ 0N 800/621-3724 85 4,296 3,989 4,439 3,256 4,615 3,080 3,201 3,981 874 2,494
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
(BLUE CROSS/BLUE SHIELD OF ILLINOIS)-HEALTH CARE SERVICE CORP
under 65 1,548 2,628 2,952 2,832 2,904 3,060 1,548 2,208 65 876 1,428 1,788 1,524 1,572 1,812 912 1,308 www.bcbsil.com 75 1,368 2,292 2,712 2,448 2,532 2,892 1,476 2,088 0$ 0 800/624-1723 Guaranteed Issue 85 1,548 2,628 2,952 2,832 2,904 3,060 1,548 2,208
CENTRAL RESERVE LIFE INSURANCE COMPANY
under 65 5,262 6,550 5,138 4,127 6,063 5,177 3,019 4,070 3,801 65 3,457 4,298 3,372 2,725 3,983 3,400 1,992 2,673 2,498 www.centralreserve.com 75 4,461 5,543 4,348 3,499 5,135 4,380 2,559 3,441 3,220 6 $25 877/291-5434 85 5,262 6,550 5,138 4,127 6,063 5,177 3,019 4,070 3,801
*
COMBINED INSURANCE COMPANY OF AMERICA
under 65 2,941 3,812 4,430 2,980 4,603 5,023 65 1,913 2,493 2,897 2,009 2,990 1,924 www.combinedinsurance.com 75 2,409 3,129 3,637 2,622 3,774 2,999 0$ 0
800/544-5531 (Note: Plan G is attained age rated)
85 2,941 3,812 4,430 N/A 4,603 3,732
CONSECO INSURANCE COMPANY
under 65 2,872 3,172 3,563 3,176 3,517 65 1,599 1,767 2,163 1,768 1,966 www.conseco.com 75 2,138 2,363 2,729 2,366 2,694 0 $15 800/888-4918 85 2,872 3,172 3,563 3,176 3,517
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF X O telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
CONSTITUTION LIFE INSURANCE COMPANY
under 65 2,713 3,752 4,482 3,999 4,474 65 1,437 1,902 2,375 2,008 2,372 www.constitutionlife.com 75 2,014 2,718 3,299 2,881 3,294 6 $25 Y 800/789-6364 85 2,365 3,292 3,969 3,512 3,960
CONTINENTAL GENERAL INSURANCE COMPANY
under 65 8,094 6,977 7,436 6,062 5,781 7,297 5,902 4,196 5,285 65 4,029 3,472 3,704 3,020 2,880 3,636 2,936 2,273 2,850 www.continentalgeneral.com 75 5,624 4,842 5,162 4,209 4,014 5,065 4,097 2,919 3,673 0 $25 Y 877/291-5434 85 6,640 5,722 6,101 4,972 4,742 5,987 4,841 3,444 4,337
CONTINENTAL LIFE INSURANCE COMPANY OF BRENTWOOD, TN
under 65 3,769 4,898 5,803 4,447 4,514 5,857 4,477 65 2,077 2,681 3,328 2,210 2,480 3,367 2,232 www.cont-life.com 75 2,727 3,595 4,360 3,060 3,331 4,403 3,091 3 $20 Y 800/264-4000 85 3,159 4,325 5,191 3,935 4,009 5,239 3,974
COUNTRY LIFE INSURANCE COMPANY
under 65 2,160 4,026 3,298 4,068 65 994 1,704 1,387 1,699 www.countryfinancial.com 75 1,326 2,682 2,190 2,708 0$ 0 Y 866/856-4760 85 1,868 3,460 2,826 3,495
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
CSA FRATERNAL LIFE
under 65 2,486 3,366 3,127 65 1,258 1,858 1,584 www.CSAFRATERNALLIFE.com 75 1,684 2,345 2,119 6 $35 877/237-9130 85 2,261 3,062 2,845
EQUITABLE LIFE AND CASUALTY INSURANCE COMPANY
under 65 3,068 3,042 3,783 3,606 3,564 4,050 3,850 3,130 3,636 3,869 2,522 www.EquiLife.com 65 1,725 2,096 2,416 2,181 2,272 2,620 2,339 1,760 2,205 2,174 1,420 See 800/352-5150 75 2,299 2,858 3,430 3,214 3,252 3,733 3,412 2,346 3,240 2,897 1,892 0 Note
Note: No Policy Fee for Plans B, C, D, E, F, G, &
I
.
$20 Policy Fee for Plans A, H, J & L.
85 2,764 3,042 3,783 3,606 3,564 4,050 3,850 2,819 3,636 3,484 2,273
GENWORTH LIFE INSURANCE COMPANY
under 65 2,392 2,997 3,465 3,030 3,046 3,571 3,106 65 1,315 1,583 1,907 1,587 1,596 1,965 1,629 www.genworth.com 75 1,805 2,216 2,603 2,232 2,244 2,682 2,288 0$ 0 888/436-9678 85 2,088 2,643 3,088 2,678 2,692 3,178 2,743
GLOBE LIFE AND ACCIDENT INSURANCE COMPANY
under 65 1,267 2,020 2,414 2,433 65 890 1,393 1,585 1,596 www.globecaremedsupp.com 75 1,262 1,999 2,291 2,306 2$ 0 800/801-6831 85 1,267 2,020 2,414 2,433
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address
Age
P
X
PF
X
O
telephone number
Plan A
Plan B
Plan C
Plan D
Plan E
Plan F
Plan G
Plan H
Plan I
Plan J
Plan K
Plan L
GOLDEN RULE INSURANCE COMPANY
under 65
3,366
5,005
3,909
3,305
65
1,901
3,125
2,441
2,464
www.goldenrule.com
75
2,504
3,724
2,909
2,937
6$
0N
800/474-4467
85
3,366
5,005
3,909
3,946
GREAT AMERICAN LIFE INSURANCE COMPANY
under 65
2,619
3,031
3,511
3,218
3,547
3,287
65
1,326
1,560
1,939
1,629
1,958
1,664
www.gafri.com
75
1,774
2,066
2,447
2,180
2,471
2,227
6
$25
Y
800/880-2745
85
2,382
2,757
3,194
2,927
3,227
2,990
GUARANTEE TRUST LIFE INSURANCE COMPANY
under 65
2,216
3,989
6,060
3,955
5,380
3,152
65
1,262
2,512
3,814
2,484
3,369
1,986
www.gtlic.com
75
1,708
3,373
5,133
3,346
4,558
2,671
0
$20
N
800/338-7452
85
2,216
3,989
6,060
3,955
5,380
3,152
HEALTH ALLIANCE MEDICAL PLANS
under 65
2,574
4,690
4,640
65
1,485
2,488
2,488
www.HealthAllianceMedicare.org
75
2,218
3,901
4,024
0$
0
Y
800/965-4022
Guaranteed Issue
85
2,574
4,690
4,640
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
HUMANA INSURANCE COMPANY
under 65 2,400 2,532 2,940 2,952 65 1,572 1,656 1,932 1,944 www.humana.com 75 2,028 2,136 2,472 2,496 3$ 0
non-members: 800/872-7294 members: 800/866-0581
85
2,400
2,532
2,940
2,952
KSKJ LIFE INSURANCE COMPANY
under 65 2,103 2,559 2,928 2,683 2,693 2,946 2,697 65 1,089 1,325 1,505 1,389 1,394 1,569 1,396 www.KSKJLife.com 75 1,539 1,871 2,161 1,962 1,969 2,206 1,972 0 $25 866/671-5755 85 1,901 2,312 2,676 2,424 2,433 2,698 2,437
LINCOLN HERITAGE LIFE INSURANCE COMPANY
under 65 3,927 4,884 6,133 5,529 6,321 65 2,262 2,701 3,523 3,033 3,629 www.lhlic.com 75 2,964 3,610 4,607 4,074 4,748 0 $20 800/438-7180 85 3,430 4,305 5,464 4,889 5,627
LOYAL AMERICAN LIFE INSURANCE COMPANY
under 65 2,443 3,755 4,169 4,196 4,086 3,994 3,041 3,104 3,223 65 1,379 1,599 1,850 1,705 1,865 1,624 1,562 1,593 1,806 www.gafri.com 75 1,829 2,180 2,446 2,332 2,466 2,222 2,090 2,131 2,279 6 $25 800/633-6752 85 2,090 2,856 3,161 3,089 3,151 2,942 2,645 2,700 2,805
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address
Age
P
X
PF
X
O
telephone number
Plan A
Plan B
Plan C
Plan D
Plan E
Plan F
Plan G
Plan H
Plan I
Plan J
Plan K
Plan L
MEDICO INSURANCE COMPANY
under 65
1,919
2,889
3,037
65
1,134
1,492
1,631
www.gomedico.com
75
1,493
2,025
2,169
0$
0
Y
800/228-6080
85
1,804
2,581
2,726
*
MENNONITE MUTUAL AID ASSOCIATION
under 65
1,497
3,089
2,414
2,738
1,744
www.mma-online.org
65
1,244
1,715
1,752
2,046
1,269
800/348-7468
75
1,462
2,291
2,198
2,513
1,547
0$
0
Y
(Note: Policies are available only to persons eligible for membership in the Association, which is a fraternal benefit society.)
85
1,497
2,632
2,414
2,738
1,744
MUTUAL OF OMAHA INSURANCE COMPANY
under 65
2,480
3,012
3,167
65
1,562
1,897
1,994
www.mutualofomaha.com
75
2,154
2,615
2,750
0$
0
Y
800/316-0842
85
2,480
3,012
3,167
*
NATIONAL STATES INSURANCE COMPANY
under 65
2,976
4,114
2,485
3,993
2,682
www.nstates.com
65
1,894
2,640
1,373
2,539
1,548
800/868-6788
75
2,195
3,060
1,879
2,942
2,034
0$
0
Y
(Note: Plans D and J are attained age rated and there is a $25 fee for Plan J)
85
2,976
4,114
2,237
3,993
2,417
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address
Age
P
X
PF
telephone number
Plan A
Plan B
Plan C
Plan D
Plan E
Plan F
Plan G
Plan H
Plan I
Plan J
Plan K
Plan L
ORDER OF UNITED COMMERCIAL TRAVELERS OF AMERICA
(THE
)
under 65
2,099
2,716
2,826
2,643
2,790
65
1,096
1,420
1,558
1,382
1,575
www.uct.org
75
1,603
2,075
2,232
2,019
2,204
0$
0
800/848-0123
85
1,883
2,439
2,563
2,373
2,531
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY
under 65
2,491
3,375
3,391
3,223
3,325
65
1,463
2,009
2,009
1,806
1,970
www.SecureHorizons.com
75
2,202
2,797
2,877
2,582
2,821
0$
0
800/768-1479
85
2,491
3,375
3,391
3,223
3,325
PEKIN LIFE INSURANCE COMPANY
under 65
1,822
3,757
3,743
65
994
1,869
1,875
www.pekininsurance.com
75
1,342
2,640
2,639
0$
0
800/322-0160
85
1,822
3,757
3,743
PENNSYLVANIA LIFE INSURANCE COMPANY
under 65
1,886
2,661
2,907
2,799
3,140
3,048
65
1,256
1,707
1,921
1,781
2,075
1,996
www.pennlife.com
75
1,721
2,390
2,621
2,504
2,832
2,753
6
$25
800/275-7366
85
1,991
2,851
3,108
3,006
3,357
3,254
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address
Age
P
X
PF
X
O
telephone number
Plan A
Plan B
Plan C
Plan D
Plan E
Plan F
Plan G
Plan H
Plan I
Plan J
Plan K
Plan L
PHILADELPHIA AMERICAN LIFE INSURANCE COMPANY
under 65
1,866
2,221
3,004
2,279
3,099
65
1,049
1,369
1,570
1,405
1,635
www.philadelphiaamericanlife.com
75
1,179
1,505
1,767
1,544
1,822
0
$20
Y
877/368-4691
85
1,623
1,968
2,583
2,019
2,661
PHYSICIANS LIFE INSURANCE COMPANY
under 65
2,077
3,398
4,189
3,870
65
1,403
1,598
1,940
1,748
www.physiciansmutual.com
75
1,748
2,110
2,666
2,402
0$
0
Y
800/228-9100
85
1,948
2,613
3,426
3,086
PROVIDENT AMERICAN LIFE & HEALTH INSURANCE COMPANY
under 65
3,789
4,138
4,598
3,256
2,960
3,564
3,727
65
2,302
2,514
2,793
2,138
1,954
2,339
2,449
www.palhic.com
75
3,213
3,503
3,893
2,753
2,508
3,013
3,156
6
$25
Y
877/291-5434
85
3,789
4,138
4,598
3,256
2,960
3,564
3,727
PYRAMID LIFE INSURANCE COMPANY
under 65
3,722
3,892
3,644
4,621
4,020
65
2,558
2,582
2,109
3,094
2,665
www.pyramidlife.com
75
3,510
3,592
3,209
4,289
3,707
6$
0
Y
800/777-1126
85
3,872
4,139
4,004
4,873
4,281
NOTE: Column PX = Pre-existing Wait, Column PF=Policy Fee, Column XO=CrossOver
Note:
Physicians Life Ins. Co. also offers a Plan F which has "additional innovative benefits". The Plan F with additional innovat
ive benefits is as follows:
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
RESERVE NATIONAL LIFE INSURANCE COMPANY
under 65 1,679 3,164 2,915 2,461 2,899 65 1,075 2,095 1,819 1,200 1,831 www.reservenational.com 75 1,430 2,714 2,485 1,806 2,477 6 $15 800/654-9106 85 1,777 3,326 3,077 2,461 3,054
ROYAL NEIGHBORS OF AMERICA
under 65 2,366 2,735 3,126 2,774 2,787 3,694 2,559 65 1,454 1,616 1,917 1,626 1,635 2,266 1,502 www.royalneighbors.org 75 1,802 2,042 2,371 2,062 2,074 2,803 1,904 0 $20 866/845-6665 85 2,050 2,396 2,768 2,434 2,448 3,268 2,247
SHENANDOAH LIFE INSURANCE COMPANY
under 65 2,405 3,031 3,280 3,061 3,089 3,320 3,131 65 1,390 1,750 1,969 1,768 1,783 2,034 1,808 www.shenlife.com 75 1,837 2,316 2,562 2,339 2,359 2,623 2,393 0 $25 800/848-5433 85 2,159 2,720 2,968 2,748 2,771 3,012 2,809
STANDARD LIFE AND ACCIDENT INSURANCE COMPANY
under 65 3,257 4,084 4,699 3,778 3,570 4,727 3,797 65 1,961 2,459 2,829 2,275 2,149 2,846 2,286 www.slaico.com 75 2,377 2,981 3,429 2,757 2,606 3,450 2,771 0 $20 888/350-1488 85 3,257 4,084 4,699 3,778 3,570 4,727 3,797
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address
Age
P
X
PF
X
O
telephone number
Plan A
Plan B
Plan C
Plan D
Plan E
Plan F
Plan G
Plan H
Plan I
Plan J
Plan K
Plan L
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
under 65
2,033
3,066
3,096
65
1,189
1,793
1,811
www.statefarm.com
75
1,735
2,617
2,644
0$
0
Y
866/855-1212
85
2,033
3,066
3,096
STATE MUTUAL INSURANCE COMPANY
under 65
5,178
6,047
7,017
6,720
6,905
65
2,856
3,174
3,895
3,504
3,830
no website available
75
3,895
4,445
5,268
4,938
5,186
0
$20
Y
800/321-0102
85
4,515
5,346
6,274
5,944
6,167
STERLING INVESTORS LIFE INSURANCE COMPANY
under 65
3,191
3,482
4,026
3,520
3,538
4,146
3,609
65
1,786
1,950
2,339
1,954
1,964
2,408
2,007
www.sterlinginvestors.com
75
2,358
2,576
3,023
2,593
2,606
3,114
2,660
0
$20
Y
800/321-0102
85
2,814
3,071
3,586
3,112
3,126
3,691
3,189
STERLING LIFE INSURANCE COMPANY
under 65
2,662
3,347
3,952
3,966
2,955
1,681
65
1,998
2,393
2,649
2,661
1,907
1,075
www.sterlingplans.com
75
2,517
3,093
3,508
3,522
2,594
1,516
0$
0
Y
800/688-0010
85
2,662
3,347
3,952
3,966
2,955
1,681
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
THRIVENT FINANCIAL FOR LUTHERANS
under 65 2,254 2,663 3,448 2,881 3,461 3,895 3,972 2,128 65 1,337 1,580 2,047 1,711 2,056 2,848 2,906 1,264 www.thrivent.com 75 1,744 2,062 2,671 2,232 2,678 3,379 3,444 1,648 0$ 0
800/847-4836 (Note:
p
lans H and I are issue a
g e rated * ) 85 2,093 2,476 3,208 2,680 3,218 3,748 3,822 1,979
UNICARE HEALTH INSURANCE COMPANY OF THE MIDWEST
under 65 2,100 3,216 4,596 3,720 4,620 65 1,464 2,148 2,580 2,316 2,592 www.unicare.com 75 1,920 2,892 4,188 3,276 4,236 0$ 0 800/459-1732 85 2,100 3,216 4,596 3,720 4,620
UNITED AMERICAN INSURANCE COMPANY
under 65 1,920 2,949 3,721 3,614 3,197 3,552 2,003 2,814 www.unitedamerican.com 65 1,783 2,037 2,432 2,327 2,787 3,082 1,266 1,779 800/331-2512 75 1,920 2,923 3,526 3,415 3,144 3,491 1,881 2,646 2$ 0
(Note: Plans A, F, and G are issue age rated *)
85 1,920 2,949 3,721 3,614 3,197 3,552 2,003 2,814
UNITED OF OMAHA LIFE INSURANCE COMPANY
under 65 1,605 2,326 1,977 65 903 1,309 1,112 www.mutualofomaha.com 75 1,365 1,979 1,682 0$ 0 877/778-0829 85 1,579 2,289 1,945
Chicago Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address
Age
P
X
PF
X
O
telephone number
Plan A
Plan B
Plan C
Plan D
Plan E
Plan F
Plan G
Plan H
Plan I
Plan J
Plan K
Plan L
UNITED TEACHER ASSOCIATES INSURANCE COMPANY
under 65
3,608
4,735
5,701
4,851
5,623
4,867
4,099
4,126
4,886
65
2,231
2,681
3,060
2,545
3,020
2,554
2,150
2,165
2,564
www.utainteractive.com
75
2,989
3,644
4,192
3,498
4,137
3,511
2,955
2,986
3,536
6
$25
Y
800/880-8824
85
3,414
4,285
4,989
4,207
4,923
4,220
3,554
3,577
4,236
UNITED WORLD LIFE INSURANCE COMPANY
under 65
1,367
1,676
2,481
2,074
65
1,034
1,268
1,876
1,568
www.mutualofomaha.com
75
1,367
1,676
2,481
2,074
0$
0
Y
877/845-0892
85
1,601
1,962
2,904
2,427
USAA LIFE INSURANCE COMPANY
under 65
1,462
2,427
2,513
2,476
65
819
1,361
1,408
1,384
www.usaa.com
75
1,142
1,898
1,963
1,933
0$
0
Y
800/531-8000
85
1,462
2,427
2,513
2,476
WORLD CORP INSURANCE COMPANY
under 65
3,092
3,926
1,565
65
1,426
1,892
722
www.americanenterprise.com
75
2,068
2,713
1,047
0$
0
Y
800/822-9993
85
2,706
3,431
1,369
Northern & Central Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L #
(AARP) UNITED HEALTHCARE INSURANCE COMPANY
under 65 1,872 2,812 3,541 3,312 3,321 3,559 3,330 3,271 3,303 3,663 1,620 2,263 65 874 1,313 1,653 1,546 1,550 1,661 1,554 1,527 1,541 1,709 756 1,056 www.aarphealthcare.com 75 1,373 2,063 2,597 2,429 2,435 2,610 2,442 2,399 2,422 2,686 1,188 1,660 800/523-5800 G uaranteed Issue 85 1,373 2,063 2,597 2,429 2,435 2,610 2,442 2,399 2,422 2,686 1,188 1,660
ADMIRAL LIFE INSURANCE COMPANY
under 65 1,895 2,388 2,584 2,411 2,432 2,615 2,428 65 991 1,248 1,422 1,261 1,272 1,476 1,269
no website available
75 1,448 1,824 2,018 1,842 1,858 2,066 1,855 800/321-0102 85 1,700 2,142 2,337 2,164 2,182 2,372 2,179
AMERICAN CONTINENTAL INSURANCE COMPANY
under 65 1,801 2,271 2,293 2,487 2,546 65 1,040 1,311 1,322 1,523 1,560 www.cont-life.com 75 1,377 1,734 1,752 1,964 2,012 3 $20 800/264-4000 85 1,617 2,037 2,057 2,255 2,309
AMERICAN REPUBLIC CORP INSURANCE COMPANY
under 65 2,694 3,320 65 1,242 1,531 www.americanenterprise.com 75 1,801 2,220 0$ 0 888/755-3065 85 2,357 2,905
NOTE: Column PX = Pre-existing Wait, Column PF=Policy Fee, Column XO=CrossOver
3$
0
0
Northern & Central Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF X O telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
AMERICAN REPUBLIC INSURANCE COMPANY
under 65 3,016 2,948 65 1,387 1,235 www.americanrepublic.com 75 1,876 1,819 0$ 0 Y 800/247-2190 85 2,287 2,482
ASSURED LIFE ASSOCIATION
under 65 2,236 3,372 3,805 3,747 3,727 3,641 65 1,205 1,369 1,609 1,452 1,622 1,412 www.denverwoodmen.com 75 1,674 1,957 2,233 2,083 2,251 2,025 6 $25 Y 800/777-9777 85 1,913 2,565 2,885 2,759 2,875 2,681
*
BANKERS FIDELITY LIFE INSURANCE COMPANY
under 65 637 1,543 2,274 1,840 1,311 2,424 1,519 1,429 65 554 1,137 1,633 1,292 942 1,880 1,092 1,027 www.bflic.com 75 618 1,378 2,030 1,616 1,170 2,191 1,356 1,275 0$ 0 Y 866/458-7500 85 637 1,543 2,274 1,840 1,311 2,424 1,519 1,429
BANKERS LIFE AND CASUALTY COMPANY
under 65 4,296 3,989 4,439 3,256 4,615 3,080 3,201 3,981 1,874 2,494 65 2,732 2,287 2,523 1,764 2,589 1,703 1,689 2,095 986 1,312 www.bankerslife.com 75 3,625 3,263 3,606 2,604 3,742 2,518 2,573 3,193 1,503 2,000 0$ 0 N 800/621-3724 85 4,296 3,989 4,439 3,256 4,615 3,080 3,201 3,981 1,874 2,494
Northern & Central Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
(BLUE CROSS/BLUE SHIELD OF ILLINOIS)-HEALTH CARE SERVICE CORP
under 65 1,334 2,208 2,592 2,460 2,544 2,676 1,368 1,932 65 804 1,236 1,548 1,332 1,404 1,584 816 1,152 www.bcbsil.com 75 1,176 1,920 2,400 2,148 2,232 2,520 1,284 1,812 0$ 0 800/624-1723 Guaranteed Issue 85 1,344 2,208 2,592 2,460 2,544 2,676 1,368 1,932
CENTRAL RESERVE LIFE INSURANCE COMPANY
under 65 3,947 4,913 3,853 3,095 4,547 3,882 2,264 3,052 2,851 65 2,593 3,224 2,529 2,043 2,987 2,550 1,494 2,005 1,873 www.centralreserve.com 75 3,346 4,158 3,261 2,624 3,851 3,285 1,919 2,581 2,415 6 $25 877/291-5434 85 3,947 4,913 3,853 3,095 4,547 3,882 2,264 3,052 2,851
*
COMBINED INSURANCE COMPANY OF AMERICA
under 65 2,558 3,242 3,852 2,591 4,003 4,368 65 1,664 2,121 2,519 1,747 2,600 1,673 www.combinedinsurance.com 75 2,094 2,662 3,163 2,280 3,282 2,608 0$ 0
800/544-5531 (Note: Plan G is attained age rated)
85 2,558 3,242 3,852 N/A 4,003 4,368
CONSECO INSURANCE COMPANY
under 65 2,470 2,728 3,064 2,732 3,025 65 1,375 1,519 1,861 1,521 1,691 www.conseco.com 75 1,839 2,032 2,347 2,035 2,317 0 $15 800/888-4918 85 2,470 2,728 3,064 2,732 3,025
Northern & Central Area
Insurance Company NameStandardized Medicare Supplement Plans Available - Annual Premiums
website address Age P X PF X O telephone number Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L
CONSTITUTION LIFE INSURANCE COMPANY
under 65 2,442 3,377 4,034 3,599 4,026 65 1,293 1,712 2,138 1,807 2,135 www.constitutionlife.com 75 1,813 2,446 2,969 2,593 2,964 6 $25 Y 800/789-6364 85 2,129 2,963 3,572 3,161 3,564
CONTINENTAL GENERAL INSURANCE COMPANY
under 65 6,070 5,232 5,577 4,546 4,336 5,473 4,426 3,147 3,964 65 3,022 2,604 2,778 2,265 2,160 2,727 2,202 1,705 2,137 www.continentalgeneral.com 75 4,218 3,632 3,871 3,157 3,010 3,799 3,073 2,189 2,755 0 $25 Y 877/291-5434 85 4,980 4,292 4,576 3,729 3,556 4,490 3,631 2,583 3,253
CONTINENTAL LIFE INSURANCE COMPANY OF BRENTWOOD, TN
under 65 2,899 3,768 4,464 3,421 3,472 4,505 3,444 65 1,598 2,062 2,560 1,700 1,908 2,590 1,717 www.cont-life.com 75 2,098 2,765 3,354 2,354 2,562 3,387 2,378 3 $20 Y 800/264-4000 85 2,430 3,327 3,993 3,027 3,084 4,030 3,057
COUNTRY LIFE INSURANCE COMPANY
under 65 1,878 3,501 2,868 3,537 65 864 1,482 1,205 1,477 www.countryfinancial.com 75 1,153 2,332 1,904 2,355 0$ 0 Y 866/856-4760 85 1,624 3,009 2,457 3,039
