|Plan Type||Est. Premium*|
|Medigap Plan A:||$87.74||(shop rates)|
|Medigap Plan D:||$110.41||(shop rates)|
|Medigap Plan F:||$127.86||(shop rates)|
|Medigap Plan G:||$112.22||(shop rates)|
|Medigap Plan M:||$103.27||(shop rates)|
|Medigap Plan N:||$88.98||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Alabama. You must request a quote to get an exact premium for your situation.
This page outlines Heartland National Life Ins. Co Medigap Plans sold in Alabama. Heartland National is licensed with the Alabama State Board of Insurance to sell Medicare Supplement insurance. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. The company has been selling supplements for more than 3 years. Their full range of plans for Alabama seniors are listed below. You can buy from Heartland National with confidence. They earned a rating from A.M. Best Company, nationally recognized for their financial analysis of insurance carriers.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Alabama seniors with Medicare benefits are eligible to apply for a Heartland National Life Ins. Co Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- UnitedHealthcare Medigap Plan A (Alabama)
- Globe Life Medigap Plan A (Alabama)
- Central States Medigap Plan A (Alabama)
Plan D covers most of the high risk areas not covered by Medicare. Most often the premium for a Plan D is less than the more comprehensive plans, like Plan F and G, but it leaves gaps in the coverage that these plans don’t.
People who choose this plan frequently do so because they are willing to risk the potential expense of the Part B deductible, preventative care and Medicare Part B excess charges. Before purchasing this plan be sure to compare rates on Plan F and G, as well.
Heartland National Life Ins. Co offers a Plan D policy in Alabama. It's not the most common plan, but here are a couple carriers we think you should check out to see if they offer a better price:
- Sterling Investors Medigap Plan D (Alabama)
- Transamerica Medigap Plan D (Alabama)
- Assured Life Association Medigap Plan D (Alabama)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Alabama. Heartland National Life Ins. Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Alabama by comparing quotes from these insurance carriers:
- Central States Medigap Plan F (Alabama)
- Combined Medigap Plan F (Alabama)
- Philadelphia American Medigap Plan F (Alabama)
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. Heartland National Life Ins. Co offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- Sterling Investors Medigap Plan G (Alabama)
- Philadelphia American Medigap Plan G (Alabama)
- GPM Life Medigap Plan G (Alabama)
Plan M is a cost sharing plan. What this means is that you are responsible for any additional out of pocket expenses as compared to Plans C, D, F and G. Basically, Plan M works like a Medicare Advantage HMO or PFFS plan without the network hospital and doctor restrictions. You are free to visit any doctor or hospital that accepts Medicare patients.
Plan M includes the core coverage, plus three extra benefits. It covers 50% of your Medicare Part A in-patient hospital deductible, your coinsurance amount for skilled nursing facility care for the 21st through the 100th day of your stay, and any emergency care you may require when you are in a foreign country after a $250 deductible. This benefit pays 80% of the cost of your care for the first 60 days of each trip, up to $50,000 in your lifetime.
Plan M is a real cost saver, but keep in mind that it only pays 50% of your Medicare Part A. Plus, you are required to pay the Part B deductible and Part B excess charges. This plan is not offered by a lot of carriers, so be sure to compare premiums with these insurance companies:
- Sterling Investors Medigap Plan M (Alabama)
- Transamerica Medigap Plan M (Alabama)
- Family Life Medigap Plan M (Alabama)
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- Philadelphia American Medigap Plan N (Alabama)
- Central States Medigap Plan N (Alabama)
- UnitedHealthcare Medigap Plan N (Alabama)
You are eligible to apply for a Heartland National Medicare Supplement if you are:
- A resident of Alabama,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Heartland National offers plans in Birmingham, Auburn, Decatur, Dothan, Huntsville, Mobile, Montgomery, Tuscaloosa and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on