GPM Health and Life Medicare Supplement Plan N Arizona
MedicareWire Rating:  |  |
|---|---|
| A.M. Best Rating: | A- (Parent Company) |
| Premium: | $91.46/mo[1] |
| Inpatient Coverage: | Yes |
| Outpatient Coverage: | Yes |
| Part A Deductible: | Yes |
| Part B Deductible: | No |
| Skilled Nursing: | Yes |
| Excess Charges: | No |
| Travel: | 80% |
| Out of Pocket Limits: | No |
What is GPM Health and Life Medicare Supplement Plan N?
Medicare Supplement Plan N is one of the newest Medicare plans. GPM Health and Life offers it because it helps Arizona seniors fill the gaps in their Original Medicare in a slightly different way. With a Medigap Plan N policy, insured by GPM Health and Life Insurance Company, you may still be required to pay a copayment of up to $20 for certain office visits and up to $50 for emergency room care that doesn't require you to be admitted.
Basic benefits offered by Plan N include:
- Medicare Part A hospital coinsurance and other costs up to an additional 365 days after Original Medicare benefits are exhausted
- Medicare Part A hospice care coinsurance or co-payment
- Medicare Part B coinsurance or co-payments (except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in inpatient care)
- First three pints of blood used in a medical procedure
This plan also offers the following additional benefits:
- Skilled Nursing Facility (SNF) coinsurance
- Medicare Part A deductible
- Foreign travel emergency care (up to plan limits)
It's easy to see why Plan N's popularity is increasing. We compared GPM Health and Life with all other Medigap insurance carriers in Arizona and rated them 2.5 stars out of 5.
RELATED:
- GPM Health and Life Medicare Supplement Insurance Review (Arizona)
- All Medicare Supplemental Insurance in Arizona
GPM Health and Life Medicare Supplement Plan N vs. Competition
The following table shows how GPM Health and Life's Medicare Supplement Plan N stacks up with the competition.
| Carrier | Premium[1] | Fee | Rating[2] |
|---|---|---|---|
| GPM Health and Life | $91.46 | $25.00 | |
| AARP | $87.23 | None |  |
| Shenandoah Life | $91.46 | $25.00 |  |
| Loyal Christian | $91.76 | $25.00 | |
| Assured Life | $93.85 | $25.00 | |
| Standard Life | $93.98 | None |  |
| ManhattanLife | $94.75 | $25.00 |  |
| Blue Cross Blue Shield of Arizona | $96.36 | None | |
| Unified Life | $97.93 | None | |
| Guarantee Trust Life | $98.59 | $25.00 | |
| Medico | $99.53 | None | |
| Renaissance Life | $99.75 | $25.00 | |
| Everest | $99.90 | $25.00 | |
Coverage and Costs
Generally, a Plan N through GPM Health and Life costs about 25% less than the more comprehensive Plan F. The lower premium is available because Plan N covers fewer gaps in Original Medicare. N most cases, beneficiaries enrolled in GPM Health and Life Medicare Supplement Plan N may be required to pay a $20 co-payment for a doctor's visit and $50 if they go to the emergency room (if not admitted). Plus, this plan does not cover the Part B deductible or Part B excess charges, so the beneficiary is also responsible for these costs.
Be aware that insurance companies may use one of three price rating systems to set their premium prices: community-rated, issue-age-rated, or attained-age-rated. Community-rated plans set premiums that are the same for all beneficiaries, regardless of age. Issue-age-rated plans set premiums based on the age of beneficiaries when they are "issued" their Medicare Supplement plan. Attained-age plans are said to be the most expensive, with premiums initially set based on beneficiaries' issue age that increase as beneficiaries age. Premiums may widely differ depending on the rating system used to set these prices.
Inpatient Coverage
The chart below explains how this plan covers the portions of Medicare Part A (hospital insurance) that are not paid by Medicare.
Outpatient Coverage
The following table details how the plan covers the portions of Medicare Part B (medical insurance) that are not paid by Medicare.
| Benefit | Coverage |
|---|---|
| Medical Expenses: |
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| Excess Medical: |
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| Home Health: |
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| Lab Services: |
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| Blood: |
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Prescription Drug Coverage
The 10 standardized Medicare Supplements do not cover prescriptions. Add a Medicare Part D Plan (PDP) for prescription coverage. Here are a few plans available to you in Arizona:
| PDP Plan | Premium | Deductible |
|---|---|---|
| Express Scripts Medicare - Choice | $98.30 | $350.00 |
| Humana Preferred Rx Plan | $30.00 | $415.00 |
| Magellan Rx Medicare Basic | $32.00 | $415.00 |
| SilverScript Plus | $79.50 | $0.00 |
| Express Scripts Medicare - Value | $32.20 | $415.00 |
| SilverScript Choice | $31.20 | $415.00 |
| Blue MedicareRx Essential | $28.50 | $415.00 |
| Blue MedicareRx Value | $32.90 | $415.00 |
| WellCare Classic | $26.70 | $415.00 |
| Blue MedicareRx Enhanced | $96.60 | $0.00 |
Foreign Travel Coverage
Medicare does not pay for your healthcare (including emergencies) when you travel outside of the United States of America and its territories. If you travel, be sure to enroll in a plan that will cover you at the level you need.
| Benefit | Coverage |
|---|---|
| Foreign Travel Emergency: |
|
GPM Health and Life Insurance Rating
GPM Health and Life has a rating from A.M. Best Company, the #1 source for insurance industry rating information. If this was a star rating it would be 2.5 out of 5 stars (). Use this information as a measure of the financial stability of the insurance carrier when considering GPM Health and Life Medicare Supplement Plan N.
Eligibility
GPM Health and Life Medicare Supplement Plan N is available to all Arizona Medicare beneficiaries, ages 65 and older, enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down. Plus, this insurance policy cannot be canceled. It will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
Availability
Medicare Supplement insurance is available from GPM Health and Life in Scottsdale, Phoenix, Peoria, Surprise, Mesa, Tucson, Tempe, Yuma, Avondale, Buckeye, Chandler, Goodyear, Gilbert, Lake Havasu City, Flagstaff, Bullhead City, and most other Arizona cities and locations.
Tips and Disclaimers
The Medicare Supplement plan data on MedicareWire.com comes directly from Medicare.gov and private sources and is subject to change. The Centers for Medicare and Medicaid Services, the Arizona State Insurance Commission, and GPM Health and Life has neither reviewed nor endorsed the information on this site.
The benefit information provided on this page is a brief summary only, not a complete description. Limitations and restrictions may apply. For more information contact the insurance carrier directly at https://www.gpmhealthandlife.com/wps/portal/home/products/medicare-supplement.
The MedicareWire.com website is available for educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help comsumers:
Get GPM Health and Life Medicare Supplement Plan N in Arizona at the lowest premium available. Compare with other Arizona Medigap plans and save!
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Trademarks
The GPM Health and Life logo and name are legal U.S. trademarks of GPM Health and Life. We make no claim to the marks whatsoever, nor do we claim to represent the GPM Health and Life brand, products or services. We use brand names and logos on this page for editorial purposes only, as permitted by U.S. Trademark Fair Use Law.
Foot Notes
[1] Sample premium is for a 65 year old, non smoking, woman living in Arizona. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[2] Review rating stars are derived from MedicareWire reviews on our Arizona Medigap Plan Reviews page.
The Medicare Supplements plan information on MedicareWire is maintained by David Bynon and was last updated on .