|Plan Type||Est. Premium*|
|Medigap Plan A:||$103.00||(shop rates)|
|Medigap Plan D:||$132.95||(shop rates)|
|Medigap Plan F:||$154.13||(shop rates)|
|Medigap Plan G:||$134.98||(shop rates)|
|Medigap Plan N:||$105.16||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Missouri. You must request a quote to get an exact premium for your situation.
This page outlines United National Life Ins Co of America Medigap Plans sold in Missouri. United National is licensed with the Missouri State Board of Insurance to sell Medicare Supplement insurance. Supplemental insurance protects you from hospital and doctor bills not covered by Original Medicare (e.g., deductibles, copayments and coinsurance, etc.). This insurance carrier has participated in the supplement insurance market for 14 years and offers a range of plans for Missouri seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave United National an rating.
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.
Missouri seniors with Medicare benefits are eligible to apply for a United National Life Ins Co of America Medigap Plan A policy. It's a Issue Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- Old Surety Medigap Plan A (Missouri)
- Globe Life Medigap Plan A (Missouri)
- UnitedHealthcare Medigap Plan A (Missouri)
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.
United National Life Ins Co of America offers a Plan D policy in Missouri. 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:
- United Commercial Travelers Medigap Plan D (Missouri)
- Heartland National Medigap Plan D (Missouri)
- Family Life Medigap Plan D (Missouri)
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 Missouri. United National Life Ins Co of America offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Missouri by comparing quotes from these insurance carriers:
- Old Surety Medigap Plan F (Missouri)
- Bankers Fidelity Medigap Plan F (Missouri)
- Mutual of Omaha Medigap Plan F (Missouri)
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. United National Life Ins Co of America offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- GPM Life Medigap Plan G (Missouri)
- Bankers Fidelity Medigap Plan G (Missouri)
- Mutual of Omaha Medigap Plan G (Missouri)
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:
- Christian Fidelity Medigap Plan N (Missouri)
- Oxford Life Medigap Plan N (Missouri)
- GPM Life Medigap Plan N (Missouri)
You are eligible to apply for a United National Medicare Supplement if you are:
- A resident of Missouri,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
United National offers plans in Saint Louis, Kansas City, Springfield, Independence, Columbia, Lees Summit, O'Fallon, Saint Joseph, Saint Charles, Blue Springs, Saint Peters, Florissant, Joplin, Chesterfield and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on