Medicare Supplement insurance is sold by private companies. Sometimes called "Medigap," it can help you pay for out-of-pocket health care expenses that Medicare doesn't cover, such as deductibles, coinsurance, copayments or outpatient services.
Medicare Supplement insurance helps protect you from unexpected out-of-pocket health care costs, while also giving you freedom to choose your own doctors and enjoy permanent coverage that you can keep even if your health changes.
Helps lower your out-of-pocket costs Offers coverage that travels with you† Provides permanent coverage, even if you develop health problemsAllows you to visit any doctor or any hospital that accepts Medicare—no networks, no referrals needed‡
Covers inpatient hospital stays, up to 100 days of care in a skilled nursing facility, hospice care and some home health care
Includes benefits equal to Parts A and B. Offers additional benefits that vary, usually within a certain provider network, depending on the company and plan you choose
To help you pay for out-of-pocket medical costs that Medicare may not cover, we offer Medicare Supplement insurance plans A, F, G, HG and N. We also offer Plan B in Pennsylvania and Plans C and D in New Jersey. Our knowledgeable agents/producers can help explain how each plan works and answer your questions related to Medicare or Medicare Supplement insurance.
To help you pay for out-of-pocket medical costs that Medicare may not cover, we offer Medicare Supplement insurance plans A, B, C, D, F, G, HG & N.
*These are standard Medicare Supplement insurance benefits.
¹ Plans subject to state availability. Plan B is offered only in the state of PA.
² Plans subject to state availability. Plan C and plan D are only offered in the state of NJ.
³ Plans F and G also have a high deductible option which require first paying a calendar year deductible (amount adjusts annually). Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plans F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible.
⁴ Plan N requires a copayment of up to $20 for doctor's visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.
⁵ Covers foreign travel emergency care if it begins during the first 60 days of your trip and if Medicare doesn't otherwise cover the care. Includes a lifetime maximum benefit of $50,000 with a $250 calendar year deductible.
⁶ Plans C and F are only available to persons who are first eligible for Medicare before 1/1/2020.
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
Policies are underwritten by Bankers Life and Casualty Company, except policies issued in New York, which are underwritten by Bankers Conseco Life Insurance Company.
Medicare has helped millions of Americans pay for the health care services they need. You've likely contributed to the program through the Social Security taxes deducted from your paycheck.
Even when Medicare pays the cost of a service or item, you generally have your own portion to pay, in the form of deductibles, coinsurance and copayments.
Medicare Part B covers health care costs like:
Even when Medicare pays the cost of a service or item, you generally have your own portion to pay, in the form of deductibles, coinsurance and copayments.
The best time to buy Medicare Supplement insurance is during your six-month Medicare open-enrollment period. During this time, you can buy any Medicare Supplement policy sold in your state, regardless of any pre-existing conditions.* You will not be required to answer any medical questions during this time. *Except in New York where a six-month waiting period may apply.
Step one in obtaining Medicare Supplement insurance is completing an application. If you are not in your open-enrollment period or otherwise qualify for guarantee issue, you'll need to answer some medical questions. Our underwriters will review your medical history to determine if your application is acceptable, and to identify your risk classification. Your premium amount will be determined in part by the amount of insurance coverage you request.
Learn more about your options—speak to an agent for more information About Washington NationalWashington National in Allandale is here to assist you with a retirement plan that helps provide security and peace of mind. With Medicare Supplement insurance, life insurance, long-term care insurance, supplemental health insurance and annuities, we can help you plan for medical expenses, protect your life savings, provide for your loved ones and more. Visit us at our Allandale location, or contact us at (888) 497-2094. Get a quote today!
†COVERAGE IS LIMITED TO THE UNITED STATES ONLY, WITH THE EXCEPTION OF MEDICALLY NECESSARY EMERGENCY CARE IN A FOREIGN COUNTRY AVAILABLE UNDER PLANS C⁶, D, F⁶, FH⁶, G, GH, M, AND N.
‡COVERAGE IS LIMITED TO MEDICARE ELIGIBLE EXPENSES. BENEFITS PAID BY MEDICARE WILL NOT BE DUPLICATED.
GenHealthy is the brand name for the Medicare Supplement insurance policy issued by Washington National Insurance Company.
A.M. Best: A (Excellent). This rating, as of 2022, is their assessment of our relative financial strength and ability to meet contractual obligations. This rating is the third highest of thirteen ratings. The rating applies to the general financial strength of the company as a whole and is not specific to the company's Medicare supplement insurance business.
This is a Medicare Supplement insurance solicitation. An insurance agent/producer may contact you.
This policy has exclusions and limitations. For costs and complete details of coverage, contact your insurance agent/producer.
MEDICARE SUPPLEMENT INSURANCE POLICIES ARE UNDERWRITTEN BY WASHINGTON NATIONAL INSURANCE COMPANY WHICH ASSUMES SOLE FINANCIAL RESPONSIBILITIES FOR THOSE POLICIES.
WASHINGTON NATIONAL, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.
Medicare Supplement insurance is issued on Policy Form Series Numbers WNIC2096A, WNIC2096F, WNIC2096G, WNIC2096HG, WNIC2096N. Additionally, WNIC2096B in PA WNIC2096C & WNIC2096D in NJ by Washington National Insurance Company.
An outline of coverage is available upon request.
Medicare Supplement products are available in many states to individuals under age 65 qualifying as disabled. Ask your agent/producer about availability.
Bankers Life is the marketing brand of Bankers Life and Casualty Company, Medicare Supplement insurance policies sold by Washington National Insurance Company, and select policies sold in New York are underwritten by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.
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