Gerber Life Medigap Plans in North Dakota Medicare Supplement Insurance by Gerber Life for North Dakota Seniors
| Plan Type | Est. Premium* | |
|---|---|---|
| Medigap Plan A: | $89.52 | (shop rates) |
| Medigap Plan F: | $129.54 | (shop rates) |
| Medigap Plan G: | $103.30 | (shop rates) |
*Premiums shown are samples for a 65 year old, non-smoking woman in North Dakota. You must request a quote to get an exact premium for your situation.
This page outlines Gerber Life Insurance Co Medigap Plans sold in North Dakota. Gerber Life is licensed with the North Dakota State Board of Insurance to sell Medicare Supplement insurance. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. The underwriter has been selling supplemental insurance in North Dakota for over 3 years. Their plan offerings are outlined below. Gerber Life received an A rating from A.M. Best Company, the leading provider of credit ratings and financial data for the insurance industry.
Medigap Plan A
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.
North Dakota seniors with Medicare benefits are eligible to apply for a Gerber Life Insurance Co Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- BCBS of North Dakota Medigap Plan A (North Dakota)
- Sanford Health Medigap Plan A (North Dakota)
- UnitedHealthcare Medigap Plan A (North Dakota)
Medigap Plan F
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 North Dakota. Gerber Life Insurance Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in North Dakota by comparing quotes from these insurance carriers:
- United National Medigap Plan F (North Dakota)
- BCBS of North Dakota Medigap Plan F (North Dakota)
- Sentinel Security Medigap Plan F (North Dakota)
Medigap Plan G
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. Gerber Life Insurance Co offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- GPM Life Medigap Plan G (North Dakota)
- Forethought Life Medigap Plan G (North Dakota)
- United World Medigap Plan G (North Dakota)
Eligibility
You are eligible to apply for a Gerber Life Medicare Supplement if you are:
- A resident of North Dakota,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Gerber Life offers plans in Fargo, Bismarck, Grand Forks, Minot, West Fargo and most other areas of the state.
This page is maintained by and was last updated on 9/22/2015.
