2015 Medigap Rate Guide - California Department …...DIFP Jay Nixon Governor John M. Huff Director...
Transcript of 2015 Medigap Rate Guide - California Department …...DIFP Jay Nixon Governor John M. Huff Director...
DIFPJay NixonGovernor
John M. HuffDirector
Department of Insurance, Financial Institutions & Professional Registration
For ages under 656570 75 80
2015Missouri
Medigap Rate Guide
Page 369
1215
ONLINE RATES: Find the most current rates at
insurance.mo.gov/ consumers/seniorsClick on “Medigap (Medicare Supplement) insurance.”
AUGUST
2 MISSOURI MEDIGAP RATESdifp.mo.gov
What column headings, notes indicate in Medigap insurance rate charts
During initial open enrollment, no one can be rejected for a Medigap policy
Premiums are annual and for the age noted at the top of each chart. Note: These are average rates for a nonsmoking woman. Open enrollment rates are the lowest available rates. If you do not join during your initial open enrollment period, then you are subject to underwriting and could be rejected or face higher rates. For example, if you smoke you won’t be charged a higher rate during open enrollment. However if you join later, you could be charged a higher rate.
Initial open enrollment
period is usually
best time to enroll in plan
Medigap rates are current as of Aug. 26, 2015. Check insurance.mo.gov for updates.
Complaints made against Medigap companies: See page 18.
The initial open enrollment period lasts six months from the date your Medicare Part B takes effect. After this period, you can still apply for a Medigap policy, but you may be subject to underwriting. The insurer has the right to reject your application.
LOWER COST Buying a plan during any initial open enrollment period qualifies you to receive the company’s lowest rates for your plan.
CHARTS SHOW AVERAGE RATES The rate charts show average Missouri rates for a nonsmoking woman for each insurer. Depending on such factors as your location, gender and whether you smoke, the rates could be higher or lower.
(S)=Select plan: A few Medigap policies are called “select” plans. Similar to an HMO, they require you to go to specific hospitals and, in some cases, specific doctors for covered services, but the benefits are the same as those in other plans. The rates for these plans are usually lower than regular Medigap policies. Select plans are not available in all parts of Missouri.
(GI)=Guaranteed issue plan: Companies with a guaranteed issue plan cannot deny you a policy because of health status, claims experience, receipt of medical care or medical condition; nor impose a pre-existing condition limitation. Guaranteed issue plans may cost more.
Underwritten plan: Insurance companies figure out how risky it is to insure you. Underwriters decide what coverage you qualify for and what rates you should pay, or even whether to accept your application based on your health.
(GRP)=Group plan: You must be a member of a specific group to be eligible for these rates.
3difp.mo.gov
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $American Continental Ins. Co.
American Republic Corp Ins. Co.
American Republic Ins. Co.
American Retirement Life Ins. Co.
Bankers Fidelity Life Ins. Co.
Blue Cross and Blue Shield of KC
Blue Cross and Blue Shield of KC (S)
Christian Fidelity Life Ins. Co.
Colonial Penn Life Ins. Co.
Combined Ins. Co. of America
Conseco Life Ins. Co.
Constitution Life Ins. Co.
Constitution Life Ins. Co. (S)
Equitable Life & Casualty Ins. Co.
Family Life Ins. Co.
First Health Life & Health Ins. Co.
Gerber Life Ins. Co.
Globe Life and Accident Ins. Co.
Government Personnel Mutual Life Ins. Co.
Healthy Alliance Life Ins. Co.
Heartland National Life Ins. Co.
Humana Ins. Co.
2,495
1,824
1,560
1,723
1,572
1,740
1,918
2,268
1,760
2,064
2,436
2,276
1,761
1,796
2,352
1,260
1,967
1,351
2,308
2,021
3,227
1,764
3,192
2,142
2,235
1,836
1,998
2,580
2,196
2,834
2,638
2,160
2,893
2,933
3,312
2,556
2,183
3,179
3,498
2,448
2,220
2,335
2,805
2,604
2,208
3,300
1,975
2,738
3,804
2,964
3,908
2,538
2,693
3,471
2,262
2,943
2,712
3,390
2,808
1,133
720
828
672
612
558
789
2,023
2,011
2,316
2,673
2,304
3,600
2,580
2,152
2,128
2,511
2,680
2,084
3,151
1,272
1,152
1,080
1,204
1,584
2,088
1,662
2,268
2,022
2,844
2,534
1,746
2,136
1,764
2,287
1,728
1,783
3,108
2,112
2,462
1,777
1,984
1,856
2,087
2,484
1,732
AGE UNDER 65 MEDIGAP RATES
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Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $Individual Assurance Co., Life, Health & Accident
Liberty National Life Ins. Co.
Loyal American Life Ins. Co.
Medico Corp Life Insurance Co.
Medico Ins. Co.
Mutual of Omaha Ins. Co.
Old Surety Life Ins. Co.
Oxford Life Ins. Co.
Pekin Life Ins. Co.
Physicians Mutual Ins. Co.
Reserve National Ins. Co.
Standard Life and Accident Ins. Co.
State Farm Mutual Automobile Ins. Co.
State Mutual Ins. Co.
Sterling Investors Life Ins. Co.
Sterling Life Ins. Co.
Sterling Life Ins. Co. (S)
Stonebridge Life Ins. Co.
Thrivent Financial for Lutherans
Transamerica Life Ins. Co.
United American Ins. Co.
1,168
898
1,046
2,688
4,099
2,549
2,334
3,381
2,423
1,796
1,919
2,496
3,539
4,940
2,732
3,082
4,614
3,258
2,572
2,404
2,271
3,000
2,883
2,166
2,092
2,671
3,521
2,367
2,099
2,844
2,331
3,192
2,643
2,172
3,088
2,626
1,931
2,565
3,183
3,042
2,769
3,200
2,741
3,159
4,375
2,797
1,930
2,224
2,673
2,284
3,012
636
804
1,347
781
798
388
1,242
1,753
813
732
1,923
2,278
2,436
2,745
2,259
2,787
4,207
2,715
3,647
2,546
1,742
2,023
2,373
2,098
2,856
1,440
1,552
2,602
2,405
2,225
1,953
1,911
1,631
2,544
2,121
2,121
1,781
2,077
2,007
1,752
2,211
2,047
1,849
1,279
1,715
1,797
2,352
1,888
1,824
1,841
1,704
2,120
1,996
1,199
1,707
2,216
2,159
2,284
3,601
1,815
2,184
2,000
2,194
1,927
1,317
1,616
1,454
1,608
AGE UNDER 65 MEDIGAP RATES
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
5 MISSOURI MEDIGAP RATE GUIDEdifp.mo.gov
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $United Commercial Travelers of America
United Healthcare Ins. Co.
United National Life Ins. Co. of America
United Teacher Associates Ins. Co.
USAA Life Ins. Co.
Western Catholic Union
852
2,141
1,941
1,859
2,200
2,297
1,949
2,541
2,349
2,935
2,297
2,438
2,202
803
2,042
2,062
2,616
2,004
1,733
1,768
1,284
1,938
1,592
2,632
1,701
1,401
2,665
2,379
2,246
1,780
1,815
2,055
1,608
1,891
1,563
AGE UNDER 65 MEDIGAP RATES
6difp.mo.gov
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $American Continental Ins. Co.
American Republic Corp Ins. Co.
American Republic Ins. Co.
American Retirement Life Ins. Co.
Bankers Fidelity Life Ins. Co.
Blue Cross and Blue Shield of KC
Blue Cross and Blue Shield of KC (S)
Christian Fidelity Life Ins. Co.
Colonial Penn Life Ins. Co.
Combined Ins. Co. of America
Conseco Life Ins. Co.
Constitution Life Ins. Co.
Constitution Life Ins. Co. (S)
Equitable Life & Casualty Ins. Co.
Family Life Ins. Co.
First Health Life & Health Ins. Co.
Gerber Life Ins. Co.
Globe Life and Accident Ins. Co.
Government Personnel Mutual Life Ins. Co.
Healthy Alliance Life Ins. Co.
Heartland National Life Ins. Co.
Humana Ins. Co.
2,059
1,560
1,356
1,723
1,332
1,584
1,891
2,112
1,523
1,702
2,124
1,919
1,765
1,555
1,988
1,188
1,655
1,336
2,007
1,782
2,596
1,596
2,244
2,146
1,835
1,704
1,939
2,340
1,980
2,230
2,480
2,064
2,434
2,320
2,484
1,968
2,115
2,605
2,970
2,100
1,944
2,084
2,472
2,364
2,004
2,856
1,909
2,416
3,156
2,304
3,194
2,585
2,174
2,941
2,202
2,476
2,365
2,898
2,367
1,058
648
780
612
528
540
747
1,740
1,829
1,932
2,124
2,916
2,112
1,968
2,153
2,008
2,298
1,754
2,648
1,020
936
852
1,025
1,344
1,632
1,457
2,088
2,027
2,431
2,094
1,480
1,932
1,596
1,570
1,572
1,636
2,064
1,656
2,082
1,810
1,567
1,561
1,586
2,053
1,614
AGE 65 MEDIGAP RATES
7difp.mo.gov
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $Individual Assurance Co., Life, Health & Accident
Liberty National Life Ins. Co.
Loyal American Life Ins. Co.
Medico Corp Life Insurance Co.
Medico Ins. Co.
Mutual of Omaha Ins. Co.
Old Surety Life Ins. Co.
Oxford Life Ins. Co.
Pekin Life Ins. Co.
Physicians Mutual Ins. Co.
Reserve National Ins. Co.
Standard Life and Accident Ins. Co.
State Farm Mutual Automobile Ins. Co.
State Mutual Ins. Co.
Sterling Investors Life Ins. Co.
Sterling Life Ins. Co.
Sterling Life Ins. Co. (S)
Stonebridge Life Ins. Co.
Thrivent Financial for Lutherans
Transamerica Life Ins. Co.
United American Ins. Co.
1,055
751
898
2,508
3,556
2,146
1,986
2,416
1,920
1,796
1,649
2,388
3,416
4,285
2,444
2,589
3,815
2,533
2,077
2,195
1,950
2,796
2,883
2,139
1,920
2,248
2,938
2,195
1,803
2,640
2,041
2,880
2,255
1,860
3,088
2,309
1,807
1,981
3,007
2,900
2,673
2,934
2,468
2,690
3,750
2,421
1,830
1,851
2,518
1,962
2,808
540
684
1,273
747
770
354
1,058
1,573
760
660
1,683
2,019
2,119
2,589
2,229
1,544
2,455
2,289
3,015
2,197
1,634
1,684
2,199
1,802
2,652
1,440
1,333
2,602
2,026
1,873
1,807
1,642
1,429
2,256
1,836
2,121
1,398
1,874
1,937
1,527
1,882
1,743
1,627
1,182
1,428
1,544
2,172
1,653
1,728
1,841
1,452
2,016
1,755
897
1,682
2,139
1,848
2,204
3,123
1,621
1,836
1,700
2,016
1,785
1,096
1,518
1,249
1,548
AGE 65 MEDIGAP RATES
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
8 MISSOURI MEDIGAP RATE GUIDEdifp.mo.gov
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $United Commercial Travelers of America
United Healthcare Ins. Co.
United National Life Ins. Co. of America
United Teacher Associates Ins. Co.
USAA Life Ins. Co.
Western Catholic Union
1,709
1,713
1,626
1,791
1,951
1,704
2,120
2,109
2,536
2,015
2,028
1,869
742
1,801
2,062
2,221
1,760
1,470
1,465
1,155
1,695
1,392
2,162
1,443
1,167
2,045
2,085
1,958
738
1,484
1,563
1,730
1,410
1,567
1,326
AGE 65 MEDIGAP RATES
9difp.mo.gov
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $American Continental Ins. Co.
American Republic Corp Ins. Co.
American Republic Ins. Co.
American Retirement Life Ins. Co.
Bankers Fidelity Life Ins. Co.
Blue Cross and Blue Shield of KC
Blue Cross and Blue Shield of KC (S)
Christian Fidelity Life Ins. Co.
Colonial Penn Life Ins. Co.
Combined Ins. Co. of America
Conseco Life Ins. Co.
Constitution Life Ins. Co.
Constitution Life Ins. Co. (S)
Equitable Life & Casualty Ins. Co.
Family Life Ins. Co.
First Health Life & Health Ins. Co.
Gerber Life Ins. Co.
Globe Life and Accident Ins. Co.
Government Personnel Mutual Life Ins. Co.
Healthy Alliance Life Ins. Co.
Heartland National Life Ins. Co.
Humana Ins. Co.
2,243
1,824
1,404
1,952
1,476
2,136
2,066
2,520
1,690
1,962
2,364
2,041
1,988
1,712
2,197
1,362
1,789
1,520
2,118
1,961
2,826
2,148
2,676
2,420
2,065
1,956
2,135
3,180
2,700
2,521
2,808
2,556
2,631
2,554
2,880
2,268
2,381
2,826
3,198
2,448
2,004
2,361
2,760
3,192
2,700
3,420
2,120
2,619
3,636
2,628
3,413
2,882
2,462
3,235
2,712
2,678
2,864
3,104
2,606
1,142
768
804
672
636
630
823
1,894
2,072
2,136
2,580
3,408
2,448
2,396
2,447
2,284
2,527
1,896
2,871
1,188
1,032
1,044
1,129
1,572
1,956
1,604
2,544
2,280
2,633
2,279
1,676
2,628
2,148
1,809
1,980
1,816
2,448
1,956
2,227
2,017
1,789
1,688
1,920
2,231
1,765
AGE 70 MEDIGAP RATES
10difp.mo.gov
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $Individual Assurance Co., Life, Health & Accident
Liberty National Life Ins. Co.
Loyal American Life Ins. Co.
Medico Corp Life Insurance Co.
Medico Ins. Co.
Mutual of Omaha Ins. Co.
Old Surety Life Ins. Co.
Oxford Life Ins. Co.
Pekin Life Ins. Co.
Physicians Mutual Ins. Co.
Reserve National Ins. Co.
Standard Life and Accident Ins. Co.
State Farm Mutual Automobile Ins. Co.
State Mutual Ins. Co.
Sterling Investors Life Ins. Co.
Sterling Life Ins. Co.
Sterling Life Ins. Co. (S)
Stonebridge Life Ins. Co.
Thrivent Financial for Lutherans
Transamerica Life Ins. Co.
United American Ins. Co.
1,211
842
1,129
2,904
3,942
2,414
2,234
2,774
2,152
1,967
2,072
2,628
5,116
4,751
2,860
2,923
4,026
2,886
2,321
2,405
2,452
3,180
3,092
2,376
2,088
2,531
3,193
2,405
2,267
3,024
2,202
3,468
2,385
2,172
3,299
2,454
2,092
2,242
3,308
3,190
4,003
3,253
2,889
2,998
4,034
2,758
2,045
2,089
2,768
2,466
3,192
696
804
1,399
881
1,153
393
1,179
1,693
833
780
1,817
2,142
2,263
2,853
2,483
1,759
2,721
2,604
3,276
2,511
1,829
1,901
2,417
2,266
3,036
1,575
1,676
2,808
2,278
2,108
1,986
2,064
1,541
2,772
1,962
2,316
1,608
2,088
2,901
1,693
2,100
1,942
1,865
1,325
1,611
1,941
2,508
1,784
1,932
1,881
1,704
2,132
1,865
1,107
1,829
2,283
2,012
3,301
3,463
1,896
2,069
1,916
2,260
1,989
1,237
1,672
1,570
1,656
AGE 70 MEDIGAP RATES
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
11 MISSOURI MEDIGAP RATE GUIDEdifp.mo.gov
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $United Commercial Travelers of America
United Healthcare Ins. Co.
United National Life Ins. Co. of America
United Teacher Associates Ins. Co.
USAA Life Ins. Co.
Western Catholic Union
1,796
2,064
1,767
1,883
2,190
1,853
2,208
2,541
2,810
2,177
2,166
2,032
888
1,893
2,366
2,494
1,919
1,599
1,538
1,392
1,862
1,514
2,338
1,569
1,407
2,151
2,511
2,137
888
1,546
1,884
1,954
1,521
1,680
1,442
AGE 70 MEDIGAP RATES
12difp.mo.gov
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $American Continental Ins. Co.
American Republic Corp Ins. Co.
American Republic Ins. Co.
American Retirement Life Ins. Co.
Bankers Fidelity Life Ins. Co.
Blue Cross and Blue Shield of KC
Blue Cross and Blue Shield of KC (S)
Christian Fidelity Life Ins. Co.
Colonial Penn Life Ins. Co.
Combined Ins. Co. of America
Conseco Life Ins. Co.
Constitution Life Ins. Co.
Constitution Life Ins. Co. (S)
Equitable Life & Casualty Ins. Co.
Family Life Ins. Co.
First Health Life & Health Ins. Co.
Gerber Life Ins. Co.
Globe Life and Accident Ins. Co.
Government Personnel Mutual Life Ins. Co.
Healthy Alliance Life Ins. Co.
Heartland National Life Ins. Co.
Humana Ins. Co.
2,468
2,100
1,608
2,213
1,680
2,472
2,197
2,856
1,904
2,199
2,436
2,287
2,249
1,832
2,357
1,464
1,982
1,638
2,292
2,154
3,108
2,496
3,060
2,736
2,271
2,172
2,344
3,684
3,108
2,811
3,183
2,904
2,915
2,804
3,228
2,508
2,694
3,153
3,452
2,808
2,304
2,678
3,096
3,684
3,120
3,984
2,388
2,905
3,996
2,868
3,847
3,248
2,731
3,470
3,072
2,965
3,192
3,425
2,862
1,236
876
924
756
732
708
903
2,084
2,350
2,424
3,036
3,768
2,688
2,755
2,728
2,544
2,711
2,100
3,198
1,368
1,164
1,248
1,239
1,812
2,292
1,761
3,000
2,582
2,927
2,512
1,901
3,036
2,484
2,049
2,400
2,045
2,760
2,196
2,508
2,274
2,006
1,870
2,140
2,507
1,926
AGE 75 MEDIGAP RATES
13difp.mo.gov
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $Individual Assurance Co., Life, Health & Accident
Liberty National Life Ins. Co.
Loyal American Life Ins. Co.
Medico Corp Life Insurance Co.
Medico Ins. Co.
Mutual of Omaha Ins. Co.
Old Surety Life Ins. Co.
Oxford Life Ins. Co.
Pekin Life Ins. Co.
Physicians Mutual Ins. Co.
Reserve National Ins. Co.
Standard Life and Accident Ins. Co.
State Farm Mutual Automobile Ins. Co.
State Mutual Ins. Co.
Sterling Investors Life Ins. Co.
Sterling Life Ins. Co.
Sterling Life Ins. Co. (S)
Stonebridge Life Ins. Co.
Thrivent Financial for Lutherans
Transamerica Life Ins. Co.
United American Ins. Co.
1,343
907
1,375
2,916
4,344
2,732
2,529
3,056
2,300
2,118
2,523
2,628
4,347
5,235
3,161
3,310
4,440
3,174
2,491
2,593
2,985
3,360
3,403
2,737
2,301
2,864
3,621
2,593
2,759
3,204
2,497
3,672
2,599
2,496
3,613
2,778
2,286
2,504
3,588
3,592
3,401
3,585
3,193
3,378
4,527
3,032
2,194
2,418
2,987
3,002
3,360
804
924
1,516
1,105
980
433
1,329
1,898
900
876
2,060
2,348
2,587
3,103
2,870
1,993
2,999
2,903
3,714
2,772
1,968
2,199
2,608
2,758
3,216
1,695
2,041
3,120
2,578
2,386
2,142
2,513
1,748
2,976
2,152
2,592
1,834
2,413
2,465
1,866
2,366
2,190
2,066
1,428
1,864
2,363
2,676
2,023
1,932
1,934
1,836
2,280
2,111
1,303
1,960
2,384
2,140
2,805
3,816
2,096
2,340
2,167
2,417
2,109
1,432
1,796
1,911
1,656
AGE 75 MEDIGAP RATES
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
14 MISSOURI MEDIGAP RATE GUIDEdifp.mo.gov
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $United Commercial Travelers of America
United Healthcare Ins. Co.
United National Life Ins. Co. of America
United Teacher Associates Ins. Co.
USAA Life Ins. Co.
Western Catholic Union
978
2,018
2,271
1,999
2,115
2,433
2,096
2,502
2,796
3,098
2,478
2,297
2,299
1,059
2,127
2,700
2,771
2,144
1,809
1,729
1,530
1,997
1,712
2,462
1,775
1,548
2,449
2,763
2,420
1,751
2,073
2,191
1,734
1,778
1,631
AGE 75 MEDIGAP RATES
15difp.mo.gov
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $American Continental Ins. Co.
American Republic Corp Ins. Co.
American Republic Ins. Co.
American Retirement Life Ins. Co.
Bankers Fidelity Life Ins. Co.
Blue Cross and Blue Shield of KC
Blue Cross and Blue Shield of KC (S)
Christian Fidelity Life Ins. Co.
Colonial Penn Life Ins. Co.
Combined Ins. Co. of America
Conseco Life Ins. Co.
Constitution Life Ins. Co.
Constitution Life Ins. Co. (S)
Equitable Life & Casualty Ins. Co.
Family Life Ins. Co.
First Health Life & Health Ins. Co.
Gerber Life Ins. Co.
Globe Life and Accident Ins. Co.
Government Personnel Mutual Life Ins. Co.
Healthy Alliance Life Ins. Co.
Heartland National Life Ins. Co.
Humana Ins. Co.
2,595
2,316
1,788
2,521
1,812
2,808
2,255
2,964
2,054
2,349
2,460
2,429
2,445
1,901
2,509
1,506
2,164
1,736
2,388
2,304
3,267
2,832
3,192
2,976
2,433
2,250
2,507
4,176
3,552
3,055
3,460
3,030
3,182
3,000
3,492
2,688
2,930
3,409
3,596
3,120
2,556
3,051
3,372
4,200
3,564
4,320
2,578
3,114
4,212
3,000
4,104
3,509
2,957
3,676
3,216
3,238
3,463
3,680
3,061
1,276
972
1,020
816
792
780
966
2,190
2,677
2,628
3,300
3,984
2,808
3,086
2,952
2,771
2,872
2,293
3,453
1,512
1,260
1,368
1,326
2,004
2,484
1,884
3,240
2,807
3,155
2,642
2,166
3,456
2,820
2,287
2,640
2,208
2,988
2,352
2,679
2,457
2,202
2,042
2,322
2,736
2,052
AGE 80 MEDIGAP RATES
16difp.mo.gov
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
MISSOURI MEDIGAP RATE GUIDE
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $Individual Assurance Co., Life, Health & Accident
Liberty National Life Ins. Co.
Loyal American Life Ins. Co.
Medico Corp Life Insurance Co.
Medico Ins. Co.
Mutual of Omaha Ins. Co.
Old Surety Life Ins. Co.
Oxford Life Ins. Co.
Pekin Life Ins. Co.
Physicians Mutual Ins. Co.
Reserve National Ins. Co.
Standard Life and Accident Ins. Co.
State Farm Mutual Automobile Ins. Co.
State Mutual Ins. Co.
Sterling Investors Life Ins. Co.
Sterling Life Ins. Co.
Sterling Life Ins. Co. (S)
Stonebridge Life Ins. Co.
Thrivent Financial for Lutherans
Transamerica Life Ins. Co.
United American Ins. Co.
1,508
972
1,621
2,916
5,217
2,972
2,750
3,381
2,423
2,247
2,974
2,628
4,725
6,287
3,161
3,600
4,674
3,515
2,653
2,752
3,519
3,480
3,670
3,070
2,763
3,115
3,903
2,752
3,253
3,336
2,828
3,840
2,802
2,760
3,883
3,183
2,490
2,719
3,822
3,968
3,697
4,305
3,193
3,649
4,844
3,356
2,336
2,646
3,170
3,539
3,492
900
1,020
1,618
1,303
1,065
520
1,435
2,031
955
960
2,333
2,544
2,992
3,314
3,227
2,235
3,602
3,139
3,998
3,089
2,103
2,407
2,766
3,252
3,348
1,796
2,406
3,375
2,805
2,594
2,274
2,962
1,980
3,156
2,361
2,827
2,029
2,713
2,679
2,241
2,555
2,336
2,315
1,531
2,040
2,786
2,808
2,291
1,932
1,962
2,160
2,383
2,419
1,466
2,004
2,455
2,236
3,048
4,582
2,096
2,545
2,355
2,550
2,194
1,567
1,903
2,253
1,656
AGE 80 MEDIGAP RATES
Depending on various factors, your rates can be higher than these listed.
GI=guaranteed issue. Company cannot deny you a policy because of health status.
S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.
GRP=group policy. Usually costs less.
17 MISSOURI MEDIGAP RATE GUIDEdifp.mo.gov
$
Rates as of August 26, 2015Get updates at insurance.mo.gov
Company BA C D F Fhigh G K L M NPlans
$ $ $ $ $ $ $ $ $ $United Commercial Travelers of America
United Healthcare Ins. Co.
United National Life Ins. Co. of America
United Teacher Associates Ins. Co.
USAA Life Ins. Co.
Western Catholic Union
2,206
2,478
2,174
2,314
2,629
2,279
2,718
3,048
3,322
2,676
2,385
2,601
1,229
2,326
2,992
2,992
2,332
2,046
1,890
1,671
2,077
1,862
2,566
2,009
1,689
2,678
3,012
2,632
1,065
1,903
2,262
2,387
1,873
1,849
1,846
AGE 80 MEDIGAP RATES
18
Complaint indexCompany
Missouri Medigap issuers: Complaint index for 2012-14
American Continental Insurance Co.
American Republic Corp Insurance Co.
American Republic Insurance Co.
American Retirement Life Insurance Co.
Bankers Fidelity Life Insurance Co.
Blue Cross & Blue Shield of Kansas City
Christian Fidelity Life Insurance Co.
Colonial Penn Life Insurance Co.
Combined Insurance Company of America
Conseco Life Insurance Co.
Constitution Life Insurance Co.
Equitable Life & Casualty Insurance Co.
Family Life Insurance Co.
First Health Life & Health Insurance Co.
Gerber Life Insurance Co.
Globe Life and Accident Insurance Co.
Government Personnel Mutual Life Insurance Co.
Healthy Alliance Life Insurance Co.
Heartland National Life Insurance Co.
Humana Insurance Co.
Individual Assurance Co., Life, Health & Accident
Complaints PhoneAverage market share
1.2%
1.1%
2.1%
0.0%
1.3%
5.8%
1.7%
1.2%
0.5%
0.0%
0.5%
1.5%
0.1%
NA
0.4%
0.2%
0.1%
14.4%
0.8%
1.2%
NA
800-264-4000
800-247-2190
800-247-2190
866-459-4272
866-458-7500
800-645-8346
866-641-9999 option 4
800-800-2254
800-544-5531
800-541-2254
800-934-8203
800-352-5170
800-877-7703
800-711-3576
855-258-2580
800-801-6831
866-800-5566
800-652-6387
877-431-7371
866-205-0000
888-524-3629
2
0
1
0
4
4
3
2
0
0
3
4
0
NA
0
1
0
10
1
10
NA
107
0
31
0
201
45
118
110
0
0
426
179
0
NA
0
348
0
45
86
554
NA
Besides rates, consider a company’s complaint index. This score helps you understand how many consumer complaints an insurer receives, compared to other companies its size.
What complaint index means100 score: Insurer gets average number of complaints. Below 100: Insurer gets fewer complaints than average.Above 100: Insurer gets more complaints than average.
NA = Company did not sell policies for all three years
Company
ComplaintsComplaint index PhoneCompany Average market share
19
Liberty National Life Insurance Co.
Loyal American Life Insurance Co.
Medico Corp Life Insurance Co.
Medico Insurance Co.
Mutual Of Omaha Insurance Co.
Old Surety Life Insurance Co.
Oxford Life Insurance Co.
Pekin Life Insurance Co.
Physicians Mutual Insurance Co.
Reserve National Insurance Co.
Standard Life and Accident Insurance Co.
State Farm Mutual Automobile Insurance Co.
State Mutual Insurance Co.
Sterling Investors Life Insurance Co.
Sterling Life Insurance Co.
Stonebridge Life Insurance Co.
Thrivent Financial For Lutherans
Transamerica Life Insurance Co.
United American Insurance Co.
United Commercial Travelers of America
United Healthcare Insurance Co.
United National Life Insurance Company of America
United Teacher Associates Insurance Co.
USAA Life Insurance Co.
Western Catholic Union
0.0%
0.3%
0.0%
1.2%
12.5%
1.5%
0.2%
0.0%
0.6%
0.4%
0.3%
1.6%
0.1%
0.1%
0.9%
1.7%
0.4%
0.9%
0.6%
0.1%
22.8%
0.1%
0.1%
0.4%
0.0%
800-331-2512
800-633-6752
800-247-2190
800-228-6080
800-228-9999
800-272-5466
877-469-3073 option 4
800-322-0160
800-228-9100
800-654-9106 opt. 7, 1, 2, 2
888-350-1488
866-855-1212
888-764-1936
800-321-0102
800-489-7506
888-272-9272 option 2
800-847-4836
800-247-1771
800-331-2512
800-848-0123
800-768-1479 (individuals)800-272-2146 (AARP group)
847-803-5252
866-459-4272
800-515-8687
855-406-9083
0
0
0
7
13
0
0
0
1
0
0
1
0
1
7
6
0
3
2
1
17
2
0
0
0
0
0
0
373
68
0
0
0
112
0
0
41
0
525
516
227
0
213
210
512
49
1,334
0
0
0
Missouri Medigap issuers: Complaint index for 2021-14 CONTINUED
REVISED AUGUST 26, 2015
Department of Insurance, Financial Institutions & Professional Registration
Contact CLAIM for free Medicare answersFor any questions about Medicare, you can contact CLAIM, a free nonprofit service that counsels people on Medicare and their caregivers. Trained volunteers throughout Missouri will help answer your questions. Call: 800-390-3330 Visit: missouriclaim.org
This free Medicare counseling program will answer questions about: zMedigap insurance z Enrollment and billing zMedicare prescription drug plans z Long-term care planning and insurance
zMedicare Advantage plans z Appeals and grievances z Limited income assistance programs z Suspected waste, fraud and abuse
Call DIFP’s Insurance Consumer
Hotline
For questions about your insurance policy or to file a complaint against an insurance company or agent, contact:
difp.mo.gov or 800-726-7390