bridging the 9 - arkansas insurance department · 2019-10-24 · from the date of loss of coverage...
TRANSCRIPT
52
85 Glossary and Helpful Number
57 Medigap Plans Under 65
BRIDGING THE GAP 2019 MEDICARE SUPPLEMENT(MEDIGAP) Comparison GUIDE
from the Arkansas Insurance Department division of Senior Health Insurance Informa on Program (SHIIP)
This booklet contains
Page Topic
2 Helpful Resources
3 Types of Medicare Supplement Policies
4 Significant Medicare Insurance Law
5 Special Circumstances for Medigap
6 Buyer Beware and Variables
7 Medicare Cost Part A & B
8 Medigap Plan Op ons A‐N
9 Medigap Plans 65 and Older
Medigap Select Plans
SHIIP can help in understanding your Medicare choices
SHIIP is funded by the Administra on for Community Living, an agency of the U.S. Department of Health and Human Services.
SHIIP works to help people save money and make informed decisions about Medicare.
SHIIP offers phone and in‐person appointments to discuss Medicare choices and answer ques ons.
SHIIP does not sell insurance or offer legal advice. SHIIP cer fied Medicare counselors offer unbiased informa on and referral services.
www.insurance.arkansas.gov FIND US ON FACEBOOK AND TWITTER
Medicare Plans Change. People Change. Shop & Compare Plans
1200 W 3rd St Li le Rock, Arkansas 72201 Toll Free: 1‐800‐224‐6330
Rev 2.03.2019 1
This guide summarizes the benefits of Medicare Supplement Policies currently approved by the Arkansas Insurance Department for sale. Inclusion of informa on in this guide regarding a policy does not, in any way, cons tute an endorsement of the policy or company by the Arkansas Insurance Department.
For quotes and exact premium cost contact company or agent to purchase.
Be advised that some new policies may have entered the marketplace since this publica on was printed and will not be included. See the back cover of this publica on, lower le corner for revision date.
Don't be alarmed if your Medicare Supplement Policy does not appear in this booklet. You may choose to keep your policy as long as you pay the premium.
Publica on of this guide is for informa on purposes only. Please refer to the policy itself for the complete and actual terms of coverage since the policy cons tutes the contract between the insurer and the insured and will ul mately be the basis of final determina ons.
SHOP WITH CAUTION. Do not just buy the cheapest policy without weighing other factors and determining the company’s financial stability and reputa on for resolving complaints.
AVOID HIGH PRESSURE SALES TACTICS. Take me and avoid being pushed into buying an insurance policy. Do not buy a policy under the pressure of limited enrollment periods or of “last chance to enroll.” Be wary of agents and sales material that imply a policy is connected with or endorsed by the government. Medicare Supplement Insurance and Long‐term Care insurance are not connected with or endorsed by the federal government.
DON’T BE MISLED BY ADVERTISING. Do not buy a policy because celebri es endorse it on television, radio, newspaper, or other adver sements. Ask ques ons before buying a policy.
BE CAREFUL HOW YOU PAY FOR POLICIES. Do not pay in cash. When purchasing Medicare Supplement Insurance, it is always best to pay by check, money order, or bank dra . Premium payments should always be made payable to the insurance company, not the agent selling the policy. If you must pay in cash, be sure to get a company‐authorized receipt signed by the agent.
KEEP YOUR POLICY IN A SAFE PLACE. Select a friend or rela ve in advance to handle your medical affairs in case of illness and let that person know where to locate your policy.
KEEP RECORDS. Write down and keep the correct name, telephone number, and permanent address of the agent and the insurance company. Ask for a toll‐free number in case you need to call long distance. Record important policy, company and agent informa on below and keep it in a safe place.
Rev 2.03.2019 2
TYPES OF MEDICARE SUPPLEMENT INSURANCE/MEDIGAP
Most companies offer two rates: Preferred and Standard. The monthly premium amount is based on medical underwri ng. Underwri ng is the method insurance companies use to evaluate your health status to determine risk and insurability (if they’ll sell you a policy).
Preferred Premium
The Preferred insurance premium is typically lower than the standard premium. Insurance companies base their decision to offer a preferred premium on a variety of factors including but not limited to: smoking/tobacco use, weight, cholesterol, blood pressure, substance abuse, etc.
The Preferred Premiums are offered to those purchasing during the Medigap Open Enrollment Period (OEP) as well. See page 4 for more informa on about the Medigap OEP.
Standard Premium
The standard rates apply outside the Medigap Open Enrollment Period and for those with less favorable medical histories.
Rev 2.03.2019 3
SIGNIFICANT MEDIGAP INSURANCE LAWS
► A free‐look period of 30 days is required, during which me the applicant may return the policy to the insurance company and receive a full refund. The free‐look period begins from the day the applicant receives the cer ficate or policy, not the day of the applica on.
► A pre‐exis ng condi on wai ng period may
extend no longer than six months for health condi ons diagnosed or treated within the six months immediately prior to the applica on. The medical ques onnaire accompanying an applica on should have accurate informa on and should be completed by the applicant, not the agent.
► Should the applicant be replacing a Medicare
supplement policy, no new wai ng period is allowed by the replacing insurer for equivalent coverage.
► For replacement policies, the applicant is
required to sign a replacement form indica ng that he/she understands the hazards of changing.
► No agent in Arkansas may sell a new Medicare
Supplement Policy to anyone who already has a Medicare Supplement unless the applicant agrees to drop his or her previous insurance.
► All Medicare supplement policies must be
guaranteed renewable.
► The 101st Congress (1990) passed strong federal legisla on, which made uniform requirements for Medicare Supplement Insurance policies in each state. Policy holders are not required to change from their old supplemental policies to a policy with the new standards unless they so choose.
► MEDIGAP OPEN ENROLLMENT= A Medicare
supplement insurer may not deny an applicant a policy during the six months period known as the Medigap Open Enrollment Period. The six month period begins with the Medicare beneficiary is BOTH enrolled in Part B and age 65 or older. During this enrollment period an insurance company can not deny a policy based on the applicants health status. This is a one me enrollment period. Once the Medigap Open Enrollment Period begins, it can not be started again.
In Arkansas, there is no open enrollment period for Medicare Beneficiaries who are not yet 65. However, they are en tled to a six‐month Open Enrollment Period when they reach age 65. ► An insurer must suspend Medicare Supplement
Premiums and benefits while the policyholder is en tled to Medicaid. The insurer must reinstate policy benefits upon request if Medicaid en tlement ends. This suspension may last up to two years. Policyholders are responsible for informing the insurer of their Medicaid eligibility within 90 days of eligibility determina on.
MEDIGAP OPEN ENROLLMENT
If Medicaid eligible, may suspend Medigap for two years.
Rev 2.03.2019 4
CATEGORY 1:
If a Medicare beneficiary is enrolled in an employer‐sponsored plan and the plan terminates or ceases to provide some or all supplemental benefits to Medicare, or the insured chooses to leave the plan.
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans.
CATEGORY 2:
If a Medicare beneficiary is enrolled in a Medicare Advantage Plan and
the plan’s cer fica on is terminated, or the plan ceases to provide all services, or the enrollee moves out of the service , or the plan violates the contract, misrepresents during
marke ng, or there are other circumstances as determined by HHS
Secretary,
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans.
CATEGORY 3:
If a Medicare beneficiary is enrolled in a Medicare Risk, Cost, Demonstra on, HCPP, or select plan, and
the plan’s cer fica on is terminated, or the plan ceases to provide all services, or the enrollee moves out of the service , or the plan violates the contract, misrepresents during
marke ng, or there are other circumstances as determined by HHS
Secretary,
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans.
CATEGORY 4:
If a Medicare beneficiary is enrolled in a Medigap policy and any of the following occur:
the Insurer becomes insolvent or bankrupt, or there is involuntary termina on of coverage or
enrollment, or there is material viola on of the policy, or
there is material misrepresenta on during marke ng,
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans.
CATEGORY 5:
If a Medicare beneficiary is enrolled in a Medigap policy, terminates it and enrolls for the first me in a Medicare Advantage Plan, Risk, Cost, Demonstra on, HCPP, or Select plan, and disenroll from the chosen coverage within the first 12 months as permi ed under federal law,
Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans or his/her prior Medigap plan, if it is s ll available.
CATEGORY 6:
If an individual is first eligible for Medicare Part A at the age of 65, and
enrolls in a Medicare Advantage plan , and disenroll within the first 12 months a er enrollment as
permi ed by federal law,
Then guarantee issue of any Medigap plan sold by any insurer.
CATEGORY 7:
If an individual leaves a Medicare Advantage Plan or drop a Medigap policy because the company has not followed the rules or misled the individual,
Then guarantee issue of Medigap Plans A, B, C, F, K, L, M, or N sold by any insurer.
SPECIAL CIRCUMSTANCES FOR GUARANTEED ISSUE FOR MEDIGAP
If you believe you meet the criteria in one of these categories and have been denied a policy, contact
SHIIP
1‐800‐224‐6330 or email [email protected]
Federal and state laws guarantee acceptance into Medicare Supplement insurance (Medigap), if a Medicare beneficiary qualifies in one of seven categories listed below. This means the insurance company can not deny a policy nor impose a pre‐exis ng wai ng period based on medical history. There is a strict me limit! The Medicare beneficiary has ONLY 63 days from the date of loss of coverage to apply for a Medigap policy and be granted a guaranteed issue.
The Arkansas Insurance Department is commi ed to seeing that your rights are upheld in all circumstances pertaining to guaranteed acceptance into Medicare Supplement Insurance.
Rev 2.03.2019 5
When describing the benefits of Medicare Supplement Plans, all insurers use the same format, language, and defini ons. They are required to use a uniform chart and outline of coverage to summarize the benefits of the plans they offer. These requirements make it easier to compare policies from different insurers. As you shop for a policy, keep in mind that each company’s products are standard, products compete based on price, service, and reputa on. PRICE. While the benefits are iden cal for all
Medicare Supplemental Plans of the same type, the premiums vary from one company to another and from area to area. The plan with the lowest price is not necessarily the best plan. The price should not be the only concern. You may prefer a par cular schedule of payments. Some companies bill the premium each month, while others bill each quarter or once a year. In addi on, prices are based in part on the services a company provides and on their reputa on. Some plans add benefits but remember the basic coverage is the same from plan to plan based on federal law.
CUSTOMER SERVICES. You should ask about
the insurer’s customer services. For example, some companies link their computers with the computers at the federal Medicare office to process your health insurance claims without addi onal paperwork. This is called Medicare Crossover. This and other available customer services may be important considera ons in making a decision.
REPUTATION. You should consider the
reputa on of the insurer before buying a policy. Find out about the company by asking for referrals, asking others about their experiences, and check out the number of complaints filed at this website
h ps://eapps.naic.org/cis/
POLICY FEE: Some policies add a one‐ me policy fee. These are not allowed in Arkansas. UNDERWRITING: Most companies underwrite. However, a few policies are “guaranteed issue.” PREMIUM TYPE: The premium for your policy may increase every year, primarily due to infla on in medical costs and the use of more advanced technology. The amount your premium goes up may depend upon the manner in which the company has reflected the aging of its policyholders in its rates. The general approach that companies use are described below. In Arkansas, the no age ra ng method is used. 1. A ained Age: In addi on to medical infla on and
advancing technology, your premium will also rise due to the increased use of medical services as people age.
2. Issue Age: The premium you pay will ini ally be somewhat higher than under the a ained age approach because a por on of the ini al premium is used to pre‐fund the increased claims cost in later years. As a result, in subsequent years your premiums should be somewhat less than they would be under an a ained age approach.
3. No Age Ra ng: Under this approach, the premium is the same for all customers who buy this policy, regardless of age.
DIRECT RESPONSE/AGENT: Premiums are basically the same when comparing a direct response sale to an agent‐marketed sale. NON‐SMOKER: Few companies have non‐smoker discounts. MEDICARE CROSSOVER: This is one of the more significant service enhancements that companies can offer. A “crossover” company has a contract with Medicare requiring Medicare to send the policyholder’s balance bills directly to the Medicare Supplement Insurance Company.
BUYER BEWARE VARIABLES
Rev 2.03.2019 6
CURRENT COSTS OF MEDICARE
SERVICES BENEFITS MEDICARE PAYS
All but $1,364 $1,364 deductible
$341 per day $682 per day All but $682 per day
$170.50 per day All but $170.50 per day
YOU PAY
Hospitaliza on Semiprivate room, general nursing, misc. services
First 60 days 61st to 90th day 91st to 150th day Beyond 150 days Nothing All charges
Skilled Nursing Facility Care (SNF) a er a 3 night hospital stay
First 20 days 21st to 100th day Beyond 100 days
100% of approved
Nothing
Nothing if approved
All costs
Home Health Care Medically necessary skilled
Part‐ me care as long as you meet guidelines
100% of approved Nothing if approved
Hospice Care For the terminally ill
As long as doctor cer fies need
All but limited costs for drugs & respite care
Limited costs for drugs & respite care
Blood Blood All but first 3 pints First 3 pints
PART A HOSPITAL INSURANCE COVERED SERVICES
SERVICES BENEFITS MEDICARE PAYS
80% of approved amount (a er $185 deduc ble)
20% of approved amount (a er $185 deduc ble)
80% of approved amount (a er $185 deductible)
20% of approved amount (a er $185 deductible)
20% of approved amount (a er $185 deductible)
YOU PAY
Medical Expense Physician services & medical supplies
Medical services in and out of the hospital
Clinical Laboratory Diagnos c tests 100% of approved Nothing if approved
Home Health Care Medically necessary skilled
Part‐ me care as long as you meet guidelines
100% of approved Nothing if approved
Outpa ent Hospital Treatment
Unlimited if medically necessary
80% of approved
Durable Medical Equipment Prescribed by doctor for use in home
PART B MEDICAL INSURANCE COVERED SERVICES
Blood Blood All but first 3 pints First 3 pints
Rev 2.03.2019 7
All but $341 per day
Reading the chart: If a “x” mark appears in a column of this chart, the Medigap policy covers 100% of the desired benefit. If a column lists a percentage, then the policy covers that percentage of the described benefit. If a column is blank, then the policy does not cover that benefit.
Note: The Medigap policy covers coinsurance only a er you have paid the deduc ble (unless the Medigap policy also covers the deduc ble).
MEDIGAP PLAN OPTIONS
Medigap Plan Benefits A B C D F G K L M N
Medicare Part A eligible hospital costs up to an addi onal 365 days a er all Medicare hospital benefits are ex‐ hausted
X X X X X X X X X X
Medicare Part B Coinsurance or Copay‐ment (20% of Medicare Assignment) X X X X X X 50% 75% X X
Blood (First 3 Pints) X X X X X X 50% 75% X X
Part A Hospice Care Coinsurance or Copayment X X X X X X 50% 75% X X
Skilled Nursing Facility Care Copayment (Days 21‐100 = $170.50 per day in 2019)
X X X X 50% 75% X
Medicare Part A Deduc ble ($1364 per benefit period in 2019)
X
X X X 50% 75% 50% X
Medicare Part B Deduc ble ($185 per year in 2019)
X X
Medicare Part B Excess Charges (up to 15% above Medicare approved amount if provider does not accept Medicare assignment)
X X
Foreign Travel Emergency (Up to Plan Limits) X X X X X X
Medicare Preven ve Part B Coinsur‐ance (as of 2011 most preven ve screenings no longer require coinsur‐ance payment)
X X X X X X X X X X
Rev 2.03.2019 8
X
X X
MEDIGAP PLANS FOR AGE 65 AND OLDER
MEDIGAP prices are estimations only & subject to change Call company for cost
Rev 2.03.2019 9
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 117.43 137.23 165.47 143.74 169.40 66.74 144.48 x x 129.44 118.53Area 2 112.09 130.99 157.95 137.21 161.70 63.71 137.91 x x 123.56 113.14Area 3 99.28 116.02 139.89 121.53 143.22 56.43 122.15 x x 109.44 100.21Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 130.54 152.35 183.89 159.69 188.20 74.08 160.52 x x 143.74 131.83Area 2 124.61 145.43 175.53 152.43 179.65 70.71 153.22 x x 137.21 125.84Area 3 110.37 128.81 155.47 135.01 159.12 62.63 135.71 x x 121.53 111.46Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
* Zip codes beginning with 722 and zip codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113‐72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198, 72199
Admiral Life Insurance Company of America
Other
Yes or No
Yes or No (when applicable)
1720 W. Rio Salado Pkwy, Tempe, AZ 85281
888‐474‐9519
www.puritanlifeinsurance.com/Contact
Yes or No (when applicable)
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare High Deductible F PlanZip Codes Covered
*All other 720 and 721 zip codes
Rest of State
Medicare M Plan
Rev 2.03.2019 10
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 118.71 136.62 x x 161.94 64.73 139.86 x x x 106.71Area 2 131.77 151.65 x x 179.76 71.85 155.25 x x x 118.45Area 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 131.87 151.86 x x 179.93 71.89 155.44 x x x 118.62Area 2 146.38 168.57 x x 199.73 79.80 172.54 x x x 131.67Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Other
Yes or No
Yes or No (when applicable)
Aetna Health and Life Insurance Company
800 Crescent Centre Dr., Franklin,TN 37067
(800) 3624‐6290
www.aetnaseniorproducts.com
Yes or No (when applicable)
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredAll areas not listed for Area 2
720‐722
Rev 2.03.2019 11
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 119.84 x x x 170.30 49.68 131.68 x x x 116.69
Area 2 134.82 x x x 191.59 55.89 148.14 x x x 131.28
Area 3 131.83 x x x 187.33 54.65 144.84 x x x 128.36
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 133.16 x x x 189.22 55.20 146.30 x x x 129.65
Area 2 149.80 x x x 212.87 62.10 164.59 x x x 145.86
Area 3 146.47 x x x 208.14 60.72 160.93 x x x 142.62
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Zip Codes Covered
716-717, 725-729
718
719-724
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
American National Life Insurance Company of Texas
Other
Yes or No
Yes or No (when applicable)
800-899-6806
Yes or No (when applicable)
KEY
One Moody Plaza, Galveston, TX 77550
Rev 2.03.2019 12
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 187.45 x x x 229.31 x 143.68 x x x 137.98
Area 2 217.27 x x x 265.80 x 166.54 x x x 159.93
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 206.21 x x x 252.25 x 158.05 x x x 151.79
Area 2 239.01 x x x 292.38 x 183.00 x x x 175.92
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1 313.89 x x x 388.12 x 358.26 x x x 276.68
Area 2 363.83 x x x 449.86 x 415.26 x x x 320.70
Area 3
Area 4
American Retirement Life Insurance Company
Yes or No
Yes or No (when applicable)
866-459-4279
Yes or No (when applicable)
KEY
PO Box 26580, Austin, TX 78755-0580
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
716-719, 723-729
720-722
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 13
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 599.55 x x x x x x x x x xArea 2 538.37 x x x x x x x x x xArea 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 689.48 x x x x x x x x x xArea 2 619.13 x x x x x x x x x xArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1 x x x x x x x x x x xArea 2 x x x x x x x x x x xArea 3Area 4
Other
Yes or No
Yes or No (when applicable)
Americo Financial Life and Annuity Ins. Company
300 West 11th Street, Kansas City, MO 64105
(800) 231‐0801
Yes or No (when applicable)
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes Covered720‐722
716‐719, 723‐729
Rev 2.03.2019 14
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 105.00 x 155.70 x 174.70 45.50 127.50 x x x 102.40
Area 2 120.50 x 175.40 x 196.70 51.20 143.30 x x x 114.50
Area 3 147.00 x 213.80 x 239.80 62.50 174.70 x x x 139.60
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Arkansas Blue Cross Blue Shield
Other
Yes or No
Yes or No (when applicable)
P.O. Box 2181, Little Rock, AR 72203-2181
800-392-2583
www.arkansasbluecross.com
Yes or No (when applicable)
KEYNo
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
*Area 2 - Clark, Cleburne, Conway, Cross, Dallas, Faulkner, Garland, Hempstead, Hot Spring, Howard, Independence, Izard, Jackson, Lawrence,
Little River, Lonoke, Nevada, Ouachita, Perry, Pike, Pulaski, Saline, Sevier, Sharp and Van Buren
Zip Codes Covered
All counties not listed in Area 2
*
Out of state
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 15
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 165.17 191.00 230.55 188.95 235.72 x 188.95 x x x 109.32
Area 2 180.04 208.19 251.30 205.96 256.94 x 205.96 x x x 119.16
Area 3 193.25 223.47 269.75 221.08 275.80 x 221.08 x x x 127.91
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 189.85 219.54 265.00 217.19 270.95 x 217.19 x x x 125.66
Area 2 206.94 239.30 288.85 236.74 295.34 x 236.74 x x x 136.97
Area 3 222.13 256.87 310.05 254.12 317.02 x 254.12 x x x 147.03
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Assured Life Association
Yes or No
Yes or No (when applicable)
877-223-3666
Yes or No (when applicable)
KEYNo
PO Box 2397, Omaha, NE 68103-2397
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
716-717, 724-729
718-721
722-723
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 16
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 125.42 x 179.44 x x x 128.08 x x x 108.95
Area 2 142.98 x 204.57 x x x 146.02 x x x 124.21
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 144.16 x 206.26 x x x 147.22 x x x 125.23
Area 2 164.35 x 235.14 x x x 167.83 x x x 142.77
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Atlantic Coast Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
888-805-8680
www.aclico.com
Yes or No (when applicable)
KEY
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
P.O. Box 20010, Charleston, SC 29413
Zip Codes Covered
716-719, 723-729
720-722
Medicare M Plan
Rev 2.03.2019 17
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 137.00 x x x 202.00 54.00 153.00 87.00 x x x
Area 2 122.00 x x x 181.00 48.00 137.00 78.00 x x x
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 164.00 x x x 243.00 65.00 183.00 103.00 x x x
Area 2 147.00 x x x 218.00 58.00 163.00 93.00 x x x
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Bankers Fidelity Life Insurance Company
Yes or No
Yes or No (when applicable)
4350 Peachtree Rd., N.E. Atlanta, GA 30319
866-458-7504 x 876
www.bflic.com
Yes or No (when applicable)
KEYNo
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
720-722
Rest of State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Rev 2.03.2019 18
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 222.87 210.52 x 157.68 249.10 46.94 216.95 70.80 143.79 180.18 152.43
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 247.63 233.89 x 175.20 276.75 52.15 241.05 78.66 159.75 200.19 169.37
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1 275.14 259.90 x 194.66 307.50 57.94 267.82 87.39 177.33 222.43 188.19
Area 2
Area 3
Area 4
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Colonial Penn Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-800-2254
www.bankerslife.com
Yes or No (when applicable)
KEYYes
11825 N. Pennsylvania Street, Carmel, IN 46032
Rev 2.03.2019 19
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 122.03 x x x 182.34 x 147.95 x x x x
Area 2 133.11 x x x 198.94 x 161.41 x x x x
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 134.11 x x x 200.52 x 162.67 x x x x
Area 2 146.29 x x x 218.75 x 177.46 x x x x
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Companion Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-753-0404
www.CompanionLife.com
Yes or No (when applicable)
KEYNo
7909 Parklane Road, Ste 200, Columbia, SC 29223
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
717-720, 724-729
716, 721-723
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 20
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 215.73 267.10 x x 320.88 x 299.39 x x x 233.62Area 2 190.56 235.94 x x 283.45 x 264.46 x x x 206.36Area 3 179.77 222.58 x x 267.40 x 249.49 x x x 194.68Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 237.41 293.79 x x 252.97 x 329.27 x x x 257.01Area 2 209.71 259.51 x x 311.79 x 290.86 x x x 227.02Area 3 197.84 244.82 x x 294.14 x 274.39 x x x 214.17Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
*Area 1 ‐ 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113‐72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198, 72199and all zip codes beginning with 722
Other
Yes or No
Yes or No (when applicable)
Coventry Health and Life Insurance Company
3900 Rogers Road, San Antonio, TX 78251‐3635
(800) 843‐7421
Yes or No (when applicable)
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
KEY
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes Covered*
All other 720 or 721 zip codesRest of state
Rev 2.03.2019 21
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 169.12 x x x 261.35 x x x x x 176.22Area 2Area 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 202.09 x x x 312.65 x x x x x 210.56Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1 269.42 x x x 416.50 x x x x x 280.67Area 2Area 3Area 4
KEY
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredAll Arkansas zip codes
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Other
Yes or No
Yes or No (when applicable)
Equitable Life and Casualty Insurance Company
3 Triad Center, Salt Lake City, UT 84180‐1200
(800) 352‐5170
Yes or No (when applicable)
Rev 2.03.2019 22
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 196.23 240.92 x x 288.69 x 268.90 x x x 180.14
Area 2 173.34 212.81 x x 255.01 x 237.53 x x x 159.12
Area 3 163.52 200.76 x x 240.57 x 224.08 x x x 150.11
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 215.82 265.00 x x 317.58 x 295.79 x x x 198.12
Area 2 190.65 234.08 x x 280.53 x 261.28 x x x 175.01
Area 3 179.85 220.83 x x 264.65 x 246.49 x x x 165.10
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
**Area 2: All other Zip Codes beginning with 720 or 721
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare High Deductible F Plan
Zip Codes Covered
*
**
Rest of State
Medicare M Plan
3200 Highland Ave., Downers Grove, IL 60515
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
* Area 1: Zip Codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190,
72198, 72199, and all Zip Codes beginning with 722.
First Health Life and Health Insurance Company
Yes or No
Yes or No (when applicable)
800-226-5116
Yes or No (when applicable)
KEY
Rev 2.03.2019 23
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 158.32 228.70 191.62
Area 2 177.32 256.15 214.62
Area 3 194.74 281.31 235.70
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 181.98 262.88 220.26
Area 2 203.82 294.43 246.70
Area 3 223.84 323.35 270.72
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Gerber Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
877-778-0839
Yes or No (when applicable)
KEYNo
PO Box 2271, Omaha, NE 68103-2271
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
*Area 2: Zip Codes 72001, 72003-72007, 72010-72048, 72051, 72052, 72055, 72057-72061, 72063, 72064, 72066-72075, 72079-72089, 72102,
72104-72108, 72110-72112, 72121-72123, 72125-72134, 72136, 72137, 72139-72141, 72143, 72145, 72149, 72150, 72152, 72153, 72156-72158,
72160, 72165-72170, 72173, 72175, 72176, 72178, 72179, 72181, 72182, and 72189
**Area 3: Zip Codes beginning with 722 and Zip Codes 72002, 72003, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135,
72142, 72164, 72180, 72183, 72190, 72198, and 72199
Zip Codes Covered
716-719
*
**
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Rev 2.03.2019 24
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 143.74 x x x 179.38 51.16 146.52 x x x 125.58
Area 2 129.07 x x x 161.04 45.94 131.57 x x x 112.77
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 165.30 x x x 206.25 58.83 168.50 x x x 144.42
Area 2 148.43 x x x 185.21 52.83 151.30 x x x 129.68
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Zip Codes Covered
720-722
716-719, 723-729
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Great Southern Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-231-0801
Yes or No (when applicable)
KEY
300 West 11th Street, Kansas City, MO 64105
Rev 2.03.2019 25
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 104.00 172.00 197.00 x 199.00 49.00 182.00 x x x 157.00Area 2Area 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
KEYYes
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredWhole State
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Other
Yes or No
Yes or No (when applicable)
Globe Life and Accident Insurance Company
PO Box 8080, McKinney, TX 75070
800‐801‐6831
www.globecaremedsupp.com
Yes or No (when applicable)
Rev 2.03.2019 26
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 124.34 x 181.01 x x x x x x x 127.89Area 2 111.91 x 162.91 x x x x x x x 115.11Area 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 138.19 x 201.05 x x x x x x x 142.09Area 2 124.38 x 180.95 x x x x x x x 127.89Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Guarantee Trust Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
1275 Milwaukee Ave., Glenview, IL 60025
800‐338‐7452
www.gtlic.com
Yes or No (when applicable)
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F PlanZip Codes Covered
720‐722716‐719, 723‐729
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Rev 2.03.2019 27
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 176.50 x x 230.06 250.08 x 233.67 x x 214.46 181.28
Area 2 158.85 x x 207.06 225.08 x 210.31 x x 193.02 163.16
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 196.18 x x 255.44 277.67 x 259.51 x x 238.44 201.53
Area 2 176.57 x x 229.90 249.91 x 233.56 x x 214.60 181.38
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Heartland National Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
866-916-7971
www.heartlandnational.net
Yes or No (when applicable)
KEY
PO Box 2878, Salt Lake City, UT 84110-2878
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
720-722
716-719, 723-729
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 28
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 192.33 209.33 246.01 x 251.04 76.01 x 112.79 160.33 x 160.69
Area 2 184.41 200.70 235.87 x 240.69 72.88 x 108.14 153.72 x 154.07
Area 3 169.79 184.79 217.17 x 221.61 67.10 x 99.57 141.53 x 141.85
Area 4 211.36 230.03 270.34 x 275.87 83.53 x 123.95 176.18 x 176.58
Standard
Area A B C D F HD-F G K L M N
Area 1 287.46 312.86 367.71 x 375.20 113.61 x 168.59 239.60 x 240.19
Area 2 275.61 299.97 352.56 x 359.74 108.93 x 161.65 229.72 x 230.29
Area 3 253.76 276.19 324.61 x 331.22 100.29 x 148.83 211.51 x 212.03
Area 4 315.89 343.80 404.08 x 412.31 124.85 x 185.27 263.29 x 263.94
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Humana Insurance Company
Out of State
Yes or No
Yes or No (when applicable)
888-310-8482
www.Humana.com
Yes or No (when applicable)
KEY3 months
500 W. Main St., Loisville, KY 40202
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
*Area 2: Arkansas, Clark, Conway, Faulkner, Garland, Grant, Hot Spring, Jackson, Lonoke, Monroe, Montgomery, Perry Pike, Prairie, Saline,
Van Buren, White and Woodruff counties
**Area 3: Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Chicot, Clay, Calburne, Cleveland, Columbia, Craighead, Crawford,
Crittenden, Cross, Dallas, Desha, Drew, Franklin, Fulton, Greene, Hempstead, Howard, Independence, Izard, Jefferson, Lafayette, Lawrence,
Lee, Lincoln, Little River, Logan, Madison, marion, Miller, Mississippi, Nevada, Newton, Ouachita, Phillips, Poinsett, Pope, Randolph, St. Francis,
Scott, Searcy, Sebastian, Sevier, Sharp, Stone, Union, Washington, and Yell Counties
Zip Codes Covered
Pulaski County
*
**
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Rev 2.03.2019 29
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 148.89 x 204.33 x 207.36 x 154.44 x x x 129.45
Area 2 133.69 x 183.48 x 186.20 x 138.68 x x x 116.24
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 171.18 x 234.88 x 238.39 x 177.47 x x x 148.81
Area 2 153.71 x 210.91 x 214.06 x 159.36 x x x 133.62
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
The Manhattan Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-877-7703
www.manhattanlife.com
Yes or No (when applicable)
KEY
PO Box 925568, Houston, TX 77292-5568
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
720-722
716-719
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 30
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 170.24 x x 236.24 254.17 x 221.54 x x x 190.27
Area 2 151.08 x x 209.66 225.58 x 196.62 x x x 168.86
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 195.66 x x 271.54 292.15 x 254.77 x x x 218.81
Area 2 173.65 x x 240.99 259.28 x 226.11 x x x 194.20
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Medico Insurance Company
Yes or No
Yes or No (when applicable)
PO Box 10386, Des Moines, IA 50306
800-228-6080
www.goMedico.com
Yes or No (when applicable)
KEYMedicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
716, 720-723
717-719, 724-729
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 31
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 180.16 x x x 238.16 x 209.53 x x x x
Area 2 188.95 x x x 249.77 x 219.75 x x x x
Area 3 215.31 x x x 284.63 x 250.41 x x x x
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Mutual of Omaha Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-775-1000
www.mutualofomaha.com
Yes or No (when applicable)
KEY
3300 Mutual of Omaha Plaza, Omaha, NE 68175
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
** Area 3: Zip Codes beginning with 722 and zip codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142,
72164, 72180, 72183, 72190, 72198 and 72199
Zip Codes Covered
716-719, 723-729
*
**
Medicare M Plan
*Area 2: Zip Codes 72001, 72003-72007, 72010-72048, 72051, 72052, 72055, 72057-72061, 72063, 72064, 72066-72075, 72079-72089, 72101,
72102, 72104-72108, 72110-72112, 72121-72123, 72125-72134, 72136, 72137, 72139-72141, 72143, 72145, 72149, 72150, 72152, 72153, 72156-
72158, 72160, 72165-72170, 72173, 72175, 72176, 72178, 72179, 72181, 72182, and 72189
Medicare N Plan
Medicare G Plan
Medicare K Plan
Rev 2.03.2019 32
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 138.23 x x x 182.28 56.46 143.99 x x x 121.45
Area 2 124.41 x x x 164.05 50.81 129.59 x x x 109.31
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 158.89 x x x 209.49 64.90 165.54 x x x 139.58
Area 2 143.00 x x x 188.54 58.41 148.99 x x x 125.62
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
National Health Insurance Company
Other
Yes or No
Yes or No (when applicable)
817-640-1900
Yes or No (when applicable)
KEY
1901 North State Highway 360, Grand Prairie, TX 75050
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
720-722
Rest of State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 33
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 206.16 x 210.10 x 233.48 x x x x x xArea 2 189.75 x 194.61 x 217.98 x x x x x xArea 3 173.43 x 179.12 x 194.61 x x x x x xArea 4
StandardArea A B C D F HD‐F G K L M xArea 1 226.78 x 231.11 x 256.83 x x x x x xArea 2 208.73 x 214.08 x 239.78 x x x x x xArea 3 190.78 x 197.04 x 214.08 x x x x x xArea 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Zip Codes Covered722
720‐721All other Zip Codes
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F Plan
Old Surety Life Insurance Company
Yes or No
Yes or No (when applicable)
PO Box 54407, Oklahoma City, OK 73154
(800)272‐5466
Yes or No (when applicable)
KEYYes
Rev 2.03.2019 34
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 133.69 x x x 162.25 50.70 145.91 x x x 103.74Area 2 140.21 x x x 170.16 53.18 153.02 x x x 108.80Area 3 159.77 x x x 193.91 60.60 174.38 x x x 123.98Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 144.53 x x x 190.17 54.82 157.74 x x x 114.62Area 2 151.58 x x x 199.45 57.50 165.43 x x x 120.21Area 3 159.77 x x x 227.28 65.52 188.52 x x x 136.98Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
**Zip Codes that begin with 722 and Zip codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113‐72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198‐72199
Medicare L Plan
Zip Codes Covered716‐719,723‐729
***
* Zip Codes 72001, 72003‐72007, 72010‐72048, 72051, 72052, 72055, 72057‐72061, 72063, 72064, 72066‐72075, 72079‐72089, 72101, 72102, 72104‐72108, 72110‐72112, 72121‐72123, 72125‐72134, 72136, 72137, 72139‐72141, 72143, 72145, 72149, 72150, 72152, 72153, 72156‐72158, 72160, 72165‐72170, 72173, 72175, 72176, 72178, 72179, 72181, 72182, 72189
Medicare M PlanMedicare N Plan
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare G PlanMedicare High Deductible F Plan
None
Medicare K Plan
Omaha Insurance Company
Other
Yes or No
Yes or No (when applicable)
Mutual of Omaha Plaza, Omaha, NE 68175
800‐667‐2937
www.mutualofomaha.com
Yes or No (when applicable)
Rev 2.03.2019 35
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 103.03 x 167.31 147.56 181.67 32.40 155.66 x x x 129.16
Area 2 114.48 x 185.90 163.96 201.86 36.00 172.95 x x x 143.51
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 114.48 x 185.90 163.96 201.86 36.00 172.95 x x x 143.51
Area 2 127.00 x 206.56 182.18 224.29 40.00 192.17 x x x 159.45
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Philadelphia American Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
11720 Katy Freeway, Suite 1700 Houston, TX 77079
800-552-7879
Yes or No (when applicable)
KEYYes
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
Area not listed for Area 2
720-723, 755
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 36
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 154.65 x x x 275.83 66.36 206.58 x x x 194.98
Area 2 162.79 x x x 290.34 69.85 217.45 x x x 205.24
Area 3 179.07 x x x 319.38 76.84 239.20 x x x 225.77
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 171.84 x x x 306.47 73.74 229.54 x x x 216.65
Area 2 180.88 x x x 322.60 77.62 241.62 x x x 228.05
Area 3 198.97 x x x 354.86 85.39 265.79 x x x 250.86
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Physicians Mutual Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-228-9100
www.physiciansmutual.com
Yes or No (when applicable)
KEYNo
2600 Dodge Street, Omaha, NE 68131
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
716-718, 723-729
719-721
722
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 37
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 130.99 x x x 201.76 65.26 150.26 72.67 x x 122.00
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
QualChoice Life and Health Insurance Company, Inc.
Other
Yes or No
Yes or No (when applicable)
800-235-7111
www.qualchoice.com/contact-us
Yes or No (when applicable)
KEY
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
12615 Chenal Parkway, Ste 300, Little Rock, AR 72211
* Area 1: Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Clark, Columbia, Conway, Crawford, Dallas, Faulkner, Franklin, Garland,
Grant, Hempstead, Hot Spring, Howard, Jefferson, Johnson, Lafayette, Little River, Logan, Lonoke, Madison, Marion, Miller, Montgomery,
Nevada, Newton, Ouachita, Perry, Pike, Polk, Pope, Pulaski, Saline, Scott, Searcy, Sebastian, Sevier, Union, Van Buren, Washington and Yell
Zip Codes Covered
*
Medicare M Plan
Medicare N Plan
Medicare G Plan
Rev 2.03.2019 38
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 157.15 x 227.80 x 218.55 45.50 161.15 x x x 140.60Area 2 n/a x n/a x n/a n/a 177.25 x x x n/aArea 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 180.65 x 262.00 x 251.40 52.30 185.30 x x x 161.70Area 2 n/a x n/a x n/a n/a 203.85 x x x n/aArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1 207.80 x 301.25 x 289.10 60.15 213.15 x x x 185.95Area 2 234.50Area 3Area 4
Zip Codes CoveredPlan G only: 716‐719, 724‐729
Plan G only: 720‐723
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F Plan
Reserve National Insurance Company
Other
Yes or No
Yes or No (when applicable)
601 E. Britton Rd., Oklahoma City, OK 73114
800‐654‐9106
Yes or No (when applicable)
KEY
Rev 2.03.2019 39
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 151.03 190.62 151.96 178.93 223.54 179.50 x x x x x
Area 2 168.80 213.04 169.84 199.98 249.84 200.62 x x x x x
Area 3 177.68 224.25 178.77 210.50 262.98 211.17 x x x x x
Area 4 161.69 204.07 170.87 191.56 239.32 192.17 x x x x x
Standard
Area A B C D F HD-F G K L M N
Area 1 167.68 211.65 247.33 198.55 248.11 199.32 x x x x x
Area 2 187.40 236.54 276.43 221.91 277.30 222.77 x x x x x
Area 3 197.26 248.99 290.97 233.58 291.89 234.49 x x x x x
Area 4 179.51 226.50 264.79 212.56 265.62 213.39 x x x x x
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Royal Neighbors of America
Rest of State
Yes or No
Yes or No (when applicable)
800-627-4762
www.royalneighbors.org
Yes or No (when applicable)
KEY
230 16th Street, Rock Island, IL 61201
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
726-729
719
720-722
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 40
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 117.30 x x x 151.67 x x x x x x
Area 2 132.13 x x x 170.85 x x x x x x
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 132.29 x x x 170.68 x x x x x x
Area 2 149.01 x x x 192.26 x x x x x x
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
S. USA Life Insurance Company, Inc.
Other
Yes or No
Yes or No (when applicable)
877-725-4872
Yes or No (when applicable)
KEY
460 W.34th Street, Suite 800, New York, NY 10001
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
716-719, 723-729
720-722
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 41
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 118.87 x x x 161.57 x 138.76 x x x x
Area 2 136.70 x x x 185.81 x 159.58 x x x x
Area 3 148.59 x x x 201.97 x 173.45 x x x x
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 136.64 x x x 185.72 x 159.50 x x x x
Area 2 157.14 x x x 213.58 x 183.43 x x x x
Area 3 170.80 x x x 232.15 x 199.38 x x x x
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
***
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
*
**
KEY
PO Box 27248, Salt Lake City, UT 84127
Medicare A Plan
Medicare B Plan
Medicare C Plan
*Area 1: Baxter, Benton, Boone, Carroll, Clark, Clay, Cleburne, Columbia, Craighead, Crawford, Drew, Faulkner, Franklin, Fulton, Garland,
Grant, Greene, Independence, Johnson, lawrence, Logan, Lonoke, Madison, Marion, Montgomery, Newton, Pike, Polk, Pope, Randolph, Saline,
Scott, Searcy, Sebastian, Stone, Union, Van Buren, Washington, White, and Yell
**Area 2: Bradley, Calhoun, Cleveland, Conway, Crittenden, Hempstead, Hot Spring, Howard, Izard, Jefferson, Lafayette, Lee, Lincoln, Little
River, Miller, Monroe, Poinsett, Pulaski, Sevier, Sharp and Woodruff
***Area 3: Arkansas, Ashley, Chocot, Cross, Dallas, Desha, Jackson, Mississippi, Nevada, Ouachita, Perry, Phillips, Prarie and St. Francis
Sentinel Security Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-247-1423
Yes or No (when applicable)
Rev 2.03.2019 42
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 149.00 x 224.82 149.60 227.12 x 149.94 x x x 116.02
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 163.90 x 247.31 164.56 249.84 x 164.94 x x x 127.63
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
State Farm Mutual Automobile Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-782-8332
www.statefarm.com
Yes or No (when applicable)
KEY
One State Farm Plaza, Bloomington, IL 61710
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 43
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 162.25 189.42 228.58 198.42 233.92 92.17 199.58 x x 178.67 163.67Area 2 154.50 180.42 217.67 189.00 222.75 87.75 190.08 x x 170.17 155.83Area 3 137.50 160.58 193.75 168.25 198.25 78.08 169.17 x x 151.42 138.67Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 180.17 210.25 253.75 220.50 260.00 102.50 221.67 x x 198.42 181.83Area 2 171.58 200.25 241.67 210.00 247.58 97.58 211.08 x x 189.00 173.17Area 3 152.75 178.25 215.08 186.92 220.33 86.83 187.83 x x 168.25 154.08Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Medicare L Plan
Zip Codes Covered*
720 and 721 not in Area 1Other
*Area 1: Zip Codes beginning with 722 and 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113‐72120, 72124, 72135, 72124, 72164, 72180,72183, 72190, 72198, 72199
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F Plan
State Mutual Insurance Company
Yes or No
Yes or No (when applicable)
PO Box 10849, Clearwater, FL 33757‐8849
844‐340‐9493
https://statemutualinsurance.com
Yes or No (when applicable)
KEY
Rev 2.03.2019 44
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 216.85 268.42 290.75 x 277.05 x 248.43 113.91 x x 209.72Area 2 203.56 257.26 281.02 x 267.77 x 239.32 109.38 x x 202.34Area 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 216.85 268.42 337.90 x 321.98 x 288.63 126.71 x x 243.73Area 2 203.56 257.26 326.59 x 311.19 x 278.13 127.12 x x 235.15Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
*Area 1: Benton, Crawford, Crittenden, Faulkner, Jefferson, Lonoke, Pulaski, Saline, Sebastian, and Washington
Medicare L Plan
Zip Codes Covered***
**Area 2: Clark, Cleburne, Cross, Franklin, Garland, Grant, Hot Spring, Jackson, Logan, Madison, Montgomery, Perry, Pike, Poinsett, Prairie, Scott, St. Francis, Van Buren, White, Woodruff, and Yell
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F Plan
Sterling Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
PO Box 86580, Austin, TX 78755‐0580
866‐459‐1755
Yes or No (when applicable)
KEY
Rev 2.03.2019 45
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 163.75 195.75 216.38 192.02 234.66 49.06 192.58 x 152.70 184.30 x
Area 2 146.51 175.15 193.61 171.80 209.96 43.90 172.31 x 136.77 164.90 x
Area 3 172.37 206.06 227.77 202.12 247.01 51.64 202.72 x 160.91 194.00 x
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 180.16 215.33 237.99 211.19 258.13 53.93 211.83 x 168.14 202.74 x
Area 2 161.19 192.66 212.94 188.96 230.96 48.26 189.54 x 150.44 181.40 x
Area 3 189.64 226.66 250.52 222.30 271.72 56.77 222.98 x 176.99 213.41 x
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Thrivent Financial for Lutherans
Other
Yes or No
Yes or No (when applicable)
800-847-4836
www.thrivent.com
Yes or No (when applicable)
KEY
4321 N. Ballard Rd., Appleton, WI 54919-0001
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
720-721
716-719, 723-729
722
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 46
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 132.00 178.00 210.00 194.00 211.00 x 195.00 97.00 144.00 177.00 166.00
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 145.00 195.00 231.00 214.00 232.00 x 215.00 106.00 158.00 195.00 183.00
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Transamerica Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-797-2643
Yes or No (when applicable)
KEY
4333 Edgewood Road, NE Cedar Rapids, IA 52499
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 47
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 147.00 238.00 271.00 256.00 224.00 45.00 257.00 x x x 161.00
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
United American Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-331-2512
www.unitedamerican.com
Yes or No (when applicable)
KEY2 months
PO Box 8080, McKinney, TX 75070
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 48
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 264.78 319.93 x x 371.08 x 325.43 x x x 257.42
Area 2 280.34 338.74 x x 392.91 x 344.56 x x x 272.55
Area 3 311.47 376.35 x x 436.52 x 382.81 x x x 302.80
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 331.09 400.09 x x 464.04 x 406.28 x x x 321.90
Area 2 350.57 423.61 x x 491.33 x 430.19 x x x 340.83
Area 3 389.48 470.63 x x 545.89 x 477.95 x x x 378.66
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
United Commercial Travelers of America
Other
Yes or No
Yes or No (when applicable)
800-848-0123
www.uct.org/contact-us/
Yes or No (when applicable)
KEY
1801 Watermark Dr., Ste 100, Columus, OH 43215
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
716-719, 723-729
720-721
722
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 49
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 184.12 262.50 317.25 x 319.12 x 304.76 99.00 175.12 x 276.70
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 202.53 288.75 348.97 x 351.03 x 335.22 108.90 192.63 x 304.36
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
United Healthcare Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-523-5800
www.aarpmedicaresupplement.com
Yes or No (when applicable)
KEY3 months
PO Box 30607, Salt Lake City, UT 84130
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Rev 2.03.2019 50
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 120.26 x x 139.60 181.76 x 159.62 x x x 110.08Area 2 139.80 x x 162.29 211.30 x 185.56 x x x 127.97Area 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 133.62 x x 155.11 201.96 x 177.36 x x x 122.36Area 2 155.33 x x 180.31 234.77 x 206.18 x x x 142.25Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Zip Codes Covered720‐722
716‐719, 723‐729
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare High Deductible F Plan
United National Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
PO Box 1154, Glenview, IL 60025‐1154
800‐207‐8050
Yes or No (when applicable)
KEY
Rev 2.03.2019 51
MEDIGAP SELECT PLANS
MEDIGAP prices are estimations only subject to change. Call company for cost
Rev 2.03.2019 52
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premiums by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 x x 155.70 x 174.70 x x x x x xArea 2 x x 175.40 x 196.70 x x x x x xArea 3 x x 213.80 x 239.80 x x x x x xArea 4
StandardArea A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
* Area 2 ‐ Clark, Cleburne, Conway, Cross, Dallas, Faulkner, Garland, Hempstead, Hot Spring, Howard, Indenendence, Izard, JacksonLawrence, Little River, Lonoke, Nevada, Ouachita, Perry, Pike, Pulaski, Saline, Sevier, Sharp and Van Buren
No
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredAll counties not listed in Area 2
*Out of state
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Select Plans
Other
Yes or No
Yes or No (when applicable)
Arkansas Blue Cross Blue Shield
P.O. Box 2181, Little Rock, AR,72203‐2181
(800) 392‐2583
www.arkansasbluecross.com
Yes or No (when applicable)
KEY
Rev 2.03.2019 53
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premiums by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 187.63 197.20 221.61 x 194.71 x 170.61 75.36 x x 139.70Area 2 179.85 202.12 226.98 x 199.41 x 175.22 78.24 x x 144.52Area 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 187.63 197.20 257.54 x 226.28 x 197.27 87.58 x x 162.36Area 2 179.85 202.12 263.79 x 231.75 x 203.64 90.92 x x 167.95Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
*Area 1: Benton, Crawford, Crittenden, Faulkner, Jefferson, Lonoke, Pulaski, Saline, Sebastian, and Washington
Select Plans
Sterling Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
PO Box 86580, Austin, TX 78755‐0580
866‐459‐1755
Yes or No (when applicable)
KEY
Zip Codes Covered***
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
**Area 2: Clark, Cleburne, Cross, Franklin, Garland, Grant, Hot Spring, Jackson, Logan, Madison, Montgomery, Perry, Pike, Poinsett, Prairie, Scott, St. Francis, Van Buren, White, Woodruff, and Yell
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K Plan
Medicare High Deductible F Plan
Medicare L Plan
Rev 2.03.2019 54
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 x x 258.75 x 259.50 x x x x x x
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 x x 284.62 x 285.45 x x x x x x
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Select Plans
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
United Healthcare Insurance Company
Other
Yes or No
Yes or No (when applicable)
800-523-5800
www.aarpmedicaresupplement.com
Yes or No (when applicable)
KEY3 months
PO Box 30607, Salt Lake City, UT 84130
Rev 2.03.2019 55
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 x x 163.50 x 183.40 x x x x x x
Area 2 x x 184.20 x 206.50 x x x x x x
Area 3 x x 224.50 x 251.80 x x x x x x
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Medicare M Plan
Medicare High Deductible F Plan
Select Plans
Zip Codes Covered
All Counties not in Area 2
*
Out of State
PO Box 1151, Little Rock, AR 72203
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
* Area 2: Clark, Cleburne, Conway, Cross, Dallas, Faulkner, Garland, Hempstead, Hot Spring, Howard, Independence, Izard, Jackson, Lawrence,
Little River, Lonoke, Nevada, Ouachita, Perry, Pike, Pulaski, Saline, Sevier, Sharp and Van Buren Counties
USAble Mutual Insurance Company
Yes or No
Yes or No (when applicable)
855-279-2398
Yes or No (when applicable)
KEY
Rev 2.03.2019 56
MEDIGAP PLANS FOR PEOPLE UNDER THE AGE OF 65
MEDIGAP prices are estimations only subject to change Call company for cost
Rev 2.03.2019 57
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 334.79 x x x x x x x x x xArea 2 371.62 x x x x x x x x x xArea 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 371.86 x x x x x x x x x xArea 2 412.77 x x x x x x x x x xArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Under Age 65
Other
Yes or No
Yes or No (when applicable)
Aetna Health and Life Insurance Company
800 Crescent Centre Dr., Franklin,TN 37067
(800) 3624‐6290
www.aetnaseniorproducts.com
Yes or No (when applicable)
KEY
Medicare M PlanMedicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
No
Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan
Zip Codes CoveredAll areas not listed for Area 2
720‐722
Rev 2.03.2019 58
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premiums by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 558.87 x x x x x x x x x xArea 2 647.79 x x x x x x x x x xArea 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 x x x x x x x x x x xArea 2 x x x x x x x x x x xArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
American Retirement Life Insurance Company
P.O. Box 26580, Austin, TX 78755‐0580
(866) 459‐4272
Yes or No (when applicable)
Medicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare L Plan
Zip Codes Covered716‐719, 723‐729
720‐722
Medicare M PlanOther
UNDER 65
KEY
Medicare High Deductible F PlanMedicare G PlanMedicare K Plan
Yes or No
Yes or No (when applicable)
Rev 2.03.2019 59
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premiums by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 599.55 x x x x x x x x x xArea 2 538.37 x x x x x x x x x xArea 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 689.48 x x x x x x x x x xArea 2 619.13 x x x x x x x x x xArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1 141.41 x x x 177.51 x 140.23 x x x 120.38Area 2 126.98 x x x 159.56 x 125.92 x x x 108.09Area 3Area 4
Americo Financial Life and Annuity Ins. Company
300 West 11th Street, Kansas City, MO 64105
(800) 231‐0801
Yes or No (when applicable)
Medicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare L Plan
Zip Codes Covered720‐722
716‐719, 723‐729
Medicare M PlanOther
UNDER 65
KEYNo
Medicare High Deductible F PlanMedicare G PlanMedicare K Plan
Yes or No
Yes or No (when applicable)
Rev 2.03.2019 60
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 x 642.33 x x x x x x x x x
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
Entire State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Arkansas Blue Cross Blue Shield
Yes or No
Yes or No (when applicable)
P.O. Box 2181. Little Rock, AR 72203-2181
(800) 392-2583
www.arkansasbluecross.com
Yes or No (when applicable)
KEYNo
Rev 2.03.2019 61
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 501.67
Area 2 571.91
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 576.64
Area 2 657.37
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
P.O. Box 20010, Charleston, SC 29413
Atlantic Coast Life Insurance Company
Yes or No
Yes or No (when applicable)
888-805-8680
www.aclico.com
Yes or No (when applicable)
KEY
Rev 2.03.2019 62
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 549.00 x x x x x x x x x x
Area 2 490.00 x x x x x x x x x x
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 656.00 x x x x x x x x x x
Area 2 588.00 x x x x x x x x x x
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Bankers Fidelity Life Insurance Company
Yes or No
Yes or No (when applicable)
4370 Peachtree Rd, N.E., Atlanta, GA 30319
866-458-7504 x 876
www.bflic.com
Yes or No (when applicable)
KEYNo
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Under 65
Zip Codes Covered
716-719
Rest of State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Rev 2.03.2019 63
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 1035.25 x x x x x x x x x x
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
Whole state
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
11825 N. Pennsylvania Street, Carmel, IN 46032
Colonial Penn Life Insurance Company
Yes or No
Yes or No (when applicable)
800-800-2254
www.bankerslife.com
Yes or No (when applicable)
KEYYes
Rev 2.03.2019 64
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 506.97 x x x x x x x x x xArea 2 537.39 x x x x x x x x x xArea 3 608.37 x x x x x x x x x xArea 4
StandardArea A B C D F HD‐F G K L M NArea 1 557.95 x x x x x x x x x xArea 2 591.43 x x x x x x x x x xArea 3 669.54 x x x x x x x x x xArea 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
*Area 1 ‐ 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113‐72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198, 72199,and all zip codes beginning with 722
Coventry Health and Life Insurance Company
3900 Rogers Road, San Antonio, TX 78251‐3635
(800) 843‐7421
Yes or No (when applicable)
Medicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare L Plan
Zip Codes Covered*
All other 720 or 721 zip codesRest of state
Medicare M PlanOther
Under age 65
KEY
Medicare High Deductible F PlanMedicare G PlanMedicare K Plan
Yes or No
Yes or No (when applicable)
Rev 2.03.2019 65
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MAnnual Premiums by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 577.24 x x x x x x x x x xArea 2 502.20 x x x x x x x x x xArea 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 663.83 x x x x x x x x x xArea 2 577.54 x x x x x x x x x xArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Medicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare High Deductible F PlanZip Codes Covered
720‐722716‐719, 723‐729
Medicare M Plan
No Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Under 65
Equitable National Life Insurance Company
Yes or No
Yes or No (when applicable)
P.O. Box 2730, Salt Lake City, UT 84110‐2730
1‐888‐352‐5170
Yes or No (when applicable)
KEY
Rev 2.03.2019 66
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 553.38
Area 2 488.82
Area 3 461.15
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 608.56
Area 2 537.56
Area 3 507.13
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
**Area 2: All other Zip Codes beginning with 720 or 721
Under 65
Zip Codes Covered
*
**
Rest of State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
* Area 1: Zip Codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190,
72198, 72199, and all Zip Codes beginning with 722.
First Health Life & Health Insurance Company
Yes or No
Yes or No (when applicable)
3200 Highland Ave., Downers Grove, IL 60515
800-226-5116
Yes or No (when applicable)
KEY
Rev 2.03.2019 67
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 x 613.00 x x x x x x x x xArea 2Area 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Medicare M PlanOther
Under 65
KEYYes
Medicare High Deductible F PlanMedicare G PlanMedicare K Plan
Yes or No
Yes or No (when applicable)
Medicare F Plan
Medicare L Plan
Zip Codes CoveredWhole State
Globe Life and Accident Insurance Company
PO Box 8080, McKinney, TX 75070
800‐801‐6831
www.globecaremedsupp.com
Yes or No (when applicable)
Medicare N Plan
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D Plan
Rev 2.03.2019 68
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 574.96 x x x x x x x x x x
Area 2 516.29 x x x x x x x x x x
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 661.19 x x x x x x x x x x
Area 2 593.74 x x x x x x x x x x
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
720-722
716-719, 723-729
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Great Southern Life Insurance Company
Yes or No
Yes or No (when applicable)
300 west 11th Street, Kansas City, MO 64105
800-231-0801
Yes or No (when applicable)
KEY
Rev 2.03.2019 69
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 576.99 x x x x x x x x x x
Area 2 553.21 x x x x x x x x x x
Area 3 509.36 x x x x x x x x x x
Area 4 634.06 x x x x x x x x x x
Standard
Area A B C D F HD-F G K L M N
Area 1 862.37 x x x x x x x x x x
Area 2 826.84 x x x x x x x x x x
Area 3 761.29 x x x x x x x x x x
Area 4 947.66 x x x x x x x x x x
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Medicare N Plan
Medicare G Plan
Under 65
Zip Codes Covered
Pulaski County
*
**
Medicare M Plan
KEY3 Months
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
*Area 2: Arkansas, Clark, Conway, Faulkner, Garland, Grant, Hot Spring, Jackson, Lonoke, Monroe, Montgomery, Perry Pike, Prairie, Saline,
Van Buren, White and Woodruff counties
**Area 3: Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Chicot, Clay, Calburne, Cleveland, Columbia, Craighead, Crawford,
Crittenden, Cross, Dallas, Desha, Drew, Franklin, Fulton, Greene, Hempstead, Howard, Independence, Izard, Jefferson, Lafayette, Lawrence,
Lee, Lincoln, Little River, Logan, Madison, marion, Miller, Mississippi, Nevada, Newton, Ouachita, Phillips, Poinsett, Pope, Randolph, St. Francis,
Scott, Searcy, Sebastian, Sevier, Sharp, Stone, Union, Washington, and Yell Counties
Humana Insurance Company
Out of State
Yes or No
Yes or No (when applicable)
500 W. Main St., Loisville, KY 40202
888-310-8482
www.Humana.com
Yes or No (when applicable)
Rev 2.03.2019 70
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premiums by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 552.45 x x x x x x x x x xArea 2 482.85 x x x x x x x x x xArea 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 609.60 x x x x x x x x x xArea 2 532.80 x x x x x x x x x xArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Under 65
Lumico Life Insurance Company
Yes or No
Yes or No (when applicable)
P.O. Box 83303, Lincoln, NE 68501‐3303
1‐888‐440‐4047
Yes or No (when applicable)
KEYNo Medicare A Plan
Medicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare High Deductible F PlanZip Codes Covered
720‐722Rest of State
Medicare M Plan
Rev 2.03.2019 71
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 595.52 x x x x x x x x x x
Area 2 534.75 x x x x x x x x x x
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 684.70 x x x x x x x x x x
Area 2 614.83 x x x x x x x x x x
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
The Manhattan Life Insurance Company
Other
Yes or No
Yes or No (when applicable)
PO Box 925568, Houston, TX 77292-5568
800-877-7703
www.manhattanlife.com
Yes or No (when applicable)
KEY
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Under 65
Zip Codes Covered
720-722
716-719, 723-729
Medicare M Plan
Rev 2.03.2019 72
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 720.62 x x x x x x x x x x
Area 2 755.77 x x x x x x x x x x
Area 3 861.23 x x x x x x x x x x
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
,
Under 65
*Area 2: Zip Codes 72001, 72003-72007, 72010-72048, 72051, 72052, 72055, 72057-72061, 72063, 72064, 72066-72075, 72079-72089, 72101,
72102, 72104-72108, 72110-72112, 72121-72123, 72125-72134, 72136, 72137, 72139-72141, 72143, 72145, 72149, 72150, 72152, 72153, 72156-
72158, 72160, 72165-72170, 72173, 72175, 72176, 72178, 72179, 72181, 72182, and 72189
** Area 3: Zip Codes beginning with 722 and zip codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142,
72164, 72180, 72183, 72190, 72198 and 72199
Zip Codes Covered
716-719, 723-729
*
**
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Mutual of Omaha Insurance Company
Yes or No
Yes or No (when applicable)
3300 Mutual of Omaha Plaza, Omaha, NE 68175
800-775-1000
www.mutualofomaha.com
Yes or No (when applicable)
KEY
Rev 2.03.2019 73
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 552.92
Area 2 497.63
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 635.56
Area 2 572.01
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
720-722
Rest of State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
1901 North State Highway 360, Grand Prairie, TX 75050
National Health Insurance Company
Yes or No
Yes or No (when applicable)
(817) 640-1900
Yes or No (when applicable)
KEY
Rev 2.03.2019 74
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premium by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 624.01 x x x x x x x x x xArea 2Area 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
UNDER 65
QualChoice Life and Health Insurance Company
Other
Yes or No
Yes or No (when applicable)
12615 Chenal Pkwy, Ste 300, Little Rock, AR 72211
800‐235‐7111
www.qualchoice.com
Yes or No (when applicable)
KEY
Zip Codes Covered*
Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
* Service only in these areas: Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Clark, Columbia, Conway, Crawford, Dallas, Faulkner, Franklin, Garland, Grant, Hempstead, Hot Spring, Howard, Jefferson, Johnson, Lafayette, Little River, Logan, Lonoke, Madison, Marion, Miller, Montgomery, Nevada, Newton, Ouachita, Perry, Pike, Polk, Pope, Pulaski, Saline, Scott, Searcy, Sebastian, Sevier, Union, Van Buren, Washington and Yell
Medicare M PlanMedicare N Plan
Medicare G PlanMedicare K Plan
Medicare High Deductible F Plan
Medicare L Plan
Rev 2.03.2019 75
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premiums by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 577.52 x x x X X X x x x XArea 2 605.69 x x x X X X x x x XArea 3 690.21 x x x X X X x x x XArea 4
StandardArea A B C D F HD‐F G K L M NArea 1 624.35 x x x X X X x x x XArea 2 654.81 x x x X X X x x x XArea 3 746.18 x x x X X X x x x XArea 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
UNDER 65
None
Medicare K Plan
Omaha Insurance Company
Other
Yes or No
Yes or No (when applicable)
Mutual of Omaha Plaza, Omaha, NE 68175
800‐667‐2937
www.mutualofomaha.com
Yes or No (when applicable)
Medicare N Plan
KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare G PlanMedicare High Deductible F Plan
**Zip Codes that begin with 722 and Zip codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113‐72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198‐72199
Medicare L Plan
Zip Codes Covered716‐719,723‐729
***
* Zip Codes 72001, 72003‐72007, 72010‐72048, 72051, 72052, 72055, 72057‐72061, 72063, 72064, 72066‐72075, 72079‐72089, 72101, 72102, 72104‐72108, 72110‐72112, 72121‐72123, 72125‐72134, 72136, 72137, 72139‐72141, 72143, 72145, 72149, 72150, 72152, 72153, 72156‐72158, 72160, 72165‐72170, 72173, 72175, 72176, 72178, 72179, 72181, 72182, 72189
Medicare M Plan
Rev 2.03.2019 76
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover Yes C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premiums by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 824.63 x x x x x x x x x xArea 2 759.00 x x x x x x x x x xArea 3 693.73 x x x x x x x x x xArea 4
StandardArea A B C D F HD‐F G K L M xArea 1 907.10 x x x x x x x x x xArea 2 834.90 x x x x x x x x x xArea 3 763.11 x x x x x x x x x xArea 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
UNDER 65
Old Surety Life Insurance Company
Yes or No
Yes or No (when applicable)
PO Box 54407, Oklahoma City, OK 73154
(800)272‐5466
Yes or No (when applicable)
KEYYes Medicare A Plan
Medicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare High Deductible F PlanZip Codes Covered
722720‐721
All other Zip Codes
Medicare M Plan
Rev 2.03.2019 77
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 469.19 x x x x x x x x x x
Area 2 528.51 x x x x x x x x x x
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 529.14 x x x x x x x x x x
Area 2 596.04 x x x x x x x x x x
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
716-719, 723-722
720-722
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
S. USA Life Insurance Company, Inc.
Yes or No
Yes or No (when applicable)
460 W. 34th St., Ste 800, New York, NY 10001
Yes or No (when applicable)
KEY
Rev 2.03.2019 78
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 499.28 x x x x x x x x x x
Area 2 574.18 x x x x x x x x x x
Area 3 624.10 x x x x x x x x x x
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 573.89 x x x x x x x x x x
Area 2 659.98 x x x x x x x x x x
Area 3 717.37 x x x x x x x x x x
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
*Area 1: Baxter, Benton, Boone, Carroll, Clark, Clay, Cleburne, Columbia, Craighead, Crawford, Drew, Faulkner, Franklin, Fulton, Garland,
Grant, Greene, Independence, Johnson, lawrence, Logan, Lonoke, Madison, Marion, Montgomery, Newton, Pike, Polk, Pope, Randolph, Saline,
Scott, Searcy, Sebastian, Stone, Union, Van Buren, Washington, White, and Yell
**Area 2: Bradley, Calhoun, Cleveland, Conway, Crittenden, Hempstead, Hot Spring, Howard, Izard, Jefferson, Lafayette, Lee, Lincoln, Little
River, Miller, Monroe, Poinsett, Pulaski, Sevier, Sharp and Woodruff
Zip Codes Covered
*
**
***
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
***Area 3: Arkansas, Ashley, Chocot, Cross, Dallas, Desha, Jackson, Mississippi, Nevada, Ouachita, Perry, Phillips, Prarie and St. Francis
Sentinel Security Life Insurance Company
Yes or No
Yes or No (when applicable)
PO Box 27248, Salt Lake City, UT 84127
800-247-1423
Yes or No (when applicable)
KEY
Rev 2.03.2019 79
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre‐existing ConditionWaiting Period A
BMedicare Crossover C
DAreas FArea 1 HD‐FArea 2 GArea 3 KArea 4 L
MMonthly Premiums by Area and Plan NPreferred Non‐smoking
Area A B C D F HD‐F G K L M NArea 1 554.16 x x x x x x x x x xArea 2 502.74 x x x x x x x x x xArea 3Area 4
StandardArea A B C D F HD‐F G K L M NArea 1 637.28 x x x x x x x x x xArea 2 578.16 x x x x x x x x x xArea 3Area 4
Tobacco User (if different from "Standard")Area A B C D F HD‐F G K L M NArea 1Area 2Area 3Area 4
13600 A ICOT Blvd., Clearwater, FL 33760UNDER 65
Southern Guaranty Insurance Company (SGIC)
Other
Yes or No
Yes or No (when applicable)
1‐888‐912‐4767
Yes or No (when applicable)
KEYNo Medicare A Plan
Medicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan
Medicare N Plan
Medicare G PlanMedicare K PlanMedicare L Plan
Medicare High Deductible F PlanZip Codes Covered
720‐722716‐719, 723‐729
Medicare M Plan
Rev 2.03.2019 80
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 853.82 x x x x x x x x x x
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 939.21 x x x x x x x x x x
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
State Farm Mutual Automobile Insurance Company
Yes or No
Yes or No (when applicable)
One State Farm Plaza, Bloomington, IL 61710
800-782-8332
www.statefarm.com
Yes or No (when applicable)
KEY
Rev 2.03.2019 81
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting
Pre-existing Condition
Waiting Period A
B
Medicare Crossover C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 396.00 x x x x x x x x x x
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 435.00 x x x x x x x x x x
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
Transamerica Life Insurance Company
Yes or No
Yes or No (when applicable)
4333 Edgewood Road, NE Cedar Rapids, IA 52499
800-797-2643
Yes or No (when applicable)
KEY
Rev 2.03.2019 82
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 x 650.00 x x x 279.00 x x x x x
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
United American Insurance Company
Yes or No
Yes or No (when applicable)
PO Box 8080, McKinney, TX 75070
800-331-2512
www.unitedamerican.com
Yes or No (when applicable)
KEY2 months
Rev 2.03.2019 83
Medicare Supplement Summary
Company
Address
Customer Service Phone
Customer Service Email
Medical Underwriting Yes
Pre-existing Condition
Waiting Period A
B
Medicare Crossover Yes C
D
Areas F
Area 1 HD-F
Area 2 G
Area 3 K
Area 4 L
M
Monthly Premiums by Area and Plan N
Preferred Non-smoking
Area A B C D F HD-F G K L M N
Area 1 813.50 x x x x x x x x x x
Area 2
Area 3
Area 4
Standard
Area A B C D F HD-F G K L M N
Area 1 894.85 x x x x x x x x x x
Area 2
Area 3
Area 4
Tobacco User (if different from "Standard")
Area A B C D F HD-F G K L M N
Area 1
Area 2
Area 3
Area 4
Under 65
Zip Codes Covered
Whole State
Medicare M Plan
Medicare N Plan
Medicare G Plan
Medicare K Plan
Medicare L Plan
Medicare A Plan
Medicare B Plan
Medicare C Plan
Medicare D Plan
Medicare F Plan
Medicare High Deductible F Plan
United Healthcare Insurance Company
Yes or No
Yes or No (when applicable)
PO Box 30607, Salt Lake City, UT 84130
800-523-5800
www.aarpmedicaresupplement.com
Yes or No (when applicable)
KEY3 months
Rev 2.03.2019 84
Approved Charges, also known as allowable charges, Medicare eligible expenses, or Medicare covered charges, apply to the specific dollar amount on which Medicare will base its payment for every medical procedure under Part B. Medicare will pay 80% of this approved" amount. Assignment is the means by which doctors or suppliers receive payment directly from Medicare. When assignment is used, the provider of medical service agrees that his or her total charge for the covered Medicare Part B service will be the charge approved by the Medicare Carrier. Medicare then pays your doctor or supplier 80% of the approved charge, less any part of the $183 annual deduc ble. You are responsible for the 20% of the approved amount not paid by Medicare plus the $183 annual deduc ble. Accep ng assignment means that the doctor or medical provider will not bill you for the difference between the actual charge and the Medicare approved amount. Find out in advance whether your doctor or medical provider will accept assignment. When assignment is not accepted, you will be responsible for any amount up to 15% above the charges approved by Medicare. Using doctors or suppliers who accept assignment will save you money. Any physician may take assignment on a claim‐by‐claim basis whether he is a "par cipa ng" provider or not. Carrier is the Medicare Part B claims processor. In Arkansas, the Medicare "Carrier" is Novitas‐Solu ons (www.novitas‐solu ons.com). For ques ons about your Part B claims payments, telephone 1‐800‐633‐4227. Contestable Clause is a policy provision that gives an insurer the right to rescind your insurance policy in the event there are any material errors, omissions or misstatements on your insurance applica on or enrollment form. The contestable period is generally the two years following the effec ve date of the policy. Coordina on Of Benefits (COB) means that one of your health insurance policies may reduce its benefits if you are also covered by another insurance plan. Important! This usually applies only to employer‐sponsored plans. Private Medicare supplements ordinarily do not have COB regardless of how many policies you have. Co‐payment is the amount that you or your insurance plan must pay to supplement Medicare's payments for Part A and Part B expenses.
For example, for charges incurred in 2019, you will have a $341 per day co‐payment for days 61‐90 and a $682 per day co‐payment for days 91‐150 while in a hospital. There is also a co‐payment of $170.50 for skilled nursing days 21‐100 and a co‐payment of 20% for all Part B services a er your annual deduc ble of $185.
Deductible is the dollar amount that you will have to pay before either Medicare or your insurance plan will begin paying benefits. Your Medicare Part A deduc ble is $1364 per benefit period for 2019. Your Medicare Part B deduc ble is $185 of approved charges each calendar year.
Effective Date is the date your policy becomes effec ve. When you talk to your insurer, ask what the effec ve date will be. The effec ve date is printed on your insurance policy or cer ficate. Exclusions or Exceptions is the list of specific condi ons or circumstances that are not covered by the policy. The excep ons in Medicare supplements are limited by state law and cannot exclude or limit coverage for any specific health condi on for more than six months. Other health insurance plans such as hospital indemnity or medical‐surgical expense plans may have a 12‐month exclusion for pre‐exis ng condi ons and/or permanent exclusions for certain health condi ons. Excess Charges are addi onal charges approved by Medicare if your doctor or provider does not accept Medicare Assignment (Medicare approved amount). The maximum excess charge is 15% of the Medicare approved amount. Free Look is the me period a er you receive the policy in which you can review its benefits. State law requires Medicare supplement insurers to give the consumer 30 days to review the policy. If you return the policy within the 30‐day free look period, you will get a full refund. Other types of individually marketed health insurance plans are limited to a 10‐day free look period.
GLOSSARY
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GLOSSARY
Grace Period is the me period (usually 31 days) or the payment of an overdue premium, during which me the policy remains in force. Hospice is a program for the terminally ill. Medicare does reimburse most Hospice expenses if the Medicare pa ent chooses to take Hospice benefits instead of regular Part A and Part B benefits. There may be a co‐payment for outpa ent drugs and inpa ent respite care. Care must be provided through cer fied Hospice organiza ons. Intermediary is the Medicare Part A claims processor. In Arkansas, the Medicare Part A "intermediary" is Pinnacle Business Solu ons. For ques ons about Part A claims payments, contact Pinnacle Business Solu ons at 1‐866‐799‐2110. Limi ng Charge is the limit on the amount physicians who do not accept assignment can charge a Medicare beneficiary. The limi ng charge is no more than 15% over Medicare's approved amount. Limi ng charge informa on appears on the Medicare Summary No ce (MSN) form. Material Misrepresenta on is a misrepresenta on that was important or essen al to the decision to issue or not issue an insurance policy. Medicaid is a federal and state program that provides health insurance benefits for certain low‐income, disabled or blind individuals, and families. There are strict income eligibility guidelines. Applica ons must be made at the local county office of the Department of Human Services. 1‐800‐482‐8988 Medicare Crossover is one of the more significant service enhancements that insurance companies can offer. A "crossover" company has a contract with Medicare requiring Medicare to send the insured's remainder of the bill directly to the Medicare supplement insurance company. Medicare Advantage is a part of the Balanced Budget Act (BBA) of 1997 that authorizes the Centers for Medicare & Medicaid Services to enter into contracts with insurance companies, managed care organiza ons, and other en es to give Medicare beneficiaries a choice in how they receive their
Medicare benefits. Par cipa ng Physicians are doctors who have contracted with Medicare to accept assignment for all Medicare pa ents, file all claims for Medicare pa ents, and agree to all Medicare rules. Check the MedPard database h p://www.pinnaclemedicare.com/bene/medpard/default.aspx Non‐Par cipa ng Physicians have not signed a contract with Medicare to accept assignment, but may do so on a case‐by‐case basis. Non‐par cipa ng physicians must s ll file all claims with Medicare. Pre‐Exis ng Condi ons are health condi ons for which you have been diagnosed, treated, or had symptoms during the me before your policy's effec ve date of coverage. Pre‐Exis ng Condi on Wai ng Period is the amount of me a er your effec ve date of coverage during which
your insurance plan will not cover any pre‐exis ng condi ons. Medicare supplement law in Arkansas says your wai ng period cannot be any longer than six months. Many Medicare supplements offer plans with shorter wai ng periods. When a Medicare supplement policy replaces an exis ng Medicare supplement policy, the replacing issuer must waive any me period applicable to pre‐exis ng condi ons. Beneficiary and Family Centered Care Quality Improvement Organiza on (BFCC‐QIO) are groups of doctors and health care professionals who are paid by the federal government to review Medicare hospital admissions and reimbursements and to monitor inpa ent quality of care. BFCC‐QIO’s have the authority to deny hospital payments if care is not medically necessary. They also handle pa ent appeals and complaints the pa ent makes regarding non‐payment of service or quality of care. If you have any ques ons, please contact them at 1‐844‐430‐9504. Underwri ng is the method insurance companies use to evaluate risks and determine insurability. Usual, Customary and Reasonable (UCR) typically means the fees most frequently charged in a geographic by providers with similar training and experience for the same or like service or supply.
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Comparing Medicare drug plans can save you money. Provide a list of current medica ons and SHIIP uses
the Medicare website to compare plans www.medicare.gov
Call 1‐800‐224‐6330 for informa on
Helpful Phone Numbers
Arkansas Attorney General’s Office 1-800-482-8982
Beneficiary and Family Centered Care Quality Improvement organization (BFCC-QIO) (KEPRO)
1-844-430-9504
Arkansas SMP (Medicare Fraud) 1-866-726-2916
Marketplace (Affordable Care Act) 1-800-318-2596
Medicaid (Department of Human Services) 1-800-482-5431
Senior Health Insurance Information Program (SHIIP)
1-800-224-6330
Social Security Administration 1-800-772-1213
Tricare 1-866-773-0404
Veterans Administration 1-800-827-1000
1-800-Medicare Helpline 1-800-633-4227
www.insurance.arkansas.gov
Allen Kerr, Commissioner 1200 W 3rd St.
Li le Rock, Arkansas 72201
Toll Free: 1‐800‐224‐6330
This publica on is produced by the State of Arkansas Insurance Department division of Senior Health Insurance Informa on Program (SHIIP) with financial assistance through a grant from the Administra on for Community Living, an agency of the U.S. Department of the Health and Human Services.
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