American Retirement Life Medicare Supplements Offered in Texas
This page contains editorial content that is not endorsed or approved by American Retirement Life Insurance Co (a Cigna company)[2]. This is not a solicitation of insurance.
| MedicareWire Rating: | |
|---|---|
| A.M. Best Rating: | A- |
| A.M. Best Outlook: | Stable |
| S&P Rating: | n/a |
| Established: | 2013 |
| NAIC Number: | 88366 |
| Policy Fee: | $20.00 |
What Medicare Supplements does American Retirement Life Offer in Texas?
American Retirement Life Insurance Co (a Cigna company) offers 4 of the standardized Medigap policies in Texas. Each Medigap plan offers a different range of coverage (see comparison chart or check out our review). Here's a quick look at American Retirement Life's offering:
Attained Age Rated Medigap Plans: With this plan rating type your monthly premium is based on your current age. As you age your premium will increase. As an example, if you enroll in a Medigap policy at age 65 with a premium of $120, it may increase to $138 when you turn 69, and $162 at age 72. Also, Attained Age rated plans may increase with inflation.
Call 1-855-728-0510 (TTY 711) for plan assistance.
If you qualify for Medicare and don't know where to start, MedicareEnrollment.com, an independent HealthCompare insurance broker, has licensed agents who can help you with your Medicare enrollment options.
The table below outlines the coverage of each American Retirement Life Medicare Supplement:
REVIEW: American Retirement Life Medicare Supplements in Texas
American Retirement Life scored 3.0 out of 5.0 based on our scoring method. American Retirement Life has a good financial rating from A.M. Best, but their Plan F is not in the top 10 best rates and they have less than 10 years experience servicing Medicare SupplementsMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage.. Plus, they ding you with a $20.00 policy fee. We are confident in their financial strength, but feel there are better options in Texas. See the top 10 competition.
Here are the pros and cons from our analysis:
Pros
- Excellent financial strength.
Cons
- Uncompetitive Plan F premium.
- Less than 10 years in the Medicare Supplements business.
- Does not offer Medicare SELECTMedicare SELECT is a type of Medigap policy (Medicare supplement plan) that requires its members to get their primary care from a contracted provider. plans.
- Does not offer the 5 most popular plans.
- Charges a fee to write the policy.
About This Review
We reviewed American Retirement Life's Medicare supplement plan offering in Texas versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.
American Retirement Life Medigap Plan F vs. Competition
Plan F is the most popular plan sold by American Retirement Life in Texas. The table below gives you an idea of rates by the top ten vs. American Retirement Life.
Contact American Retirement Life Medigap Sales
For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:
For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.
Eligibility
American Retirement Life supplemental Medicare insurance policies are available to all Medicare beneficiaries in Texas at age 65. You must be enrolled in both Medicare Parts A and B.
If you are within your first six months of Medicare enrollment, you have guaranteed issue rightsGuaranteed-issue is a right granted to Medicare beneficiaries and applies to Medicare Supplement insurance (aka, Medigap plans). All states and the federal government enforce this essential right, which protects Medicare beneficiaries from medical underwriting. and cannot be turned down. American Retirement Life is required to issue the Medicare Supplement policy of your choice. So long as you make no material misrepresentations and pay your premiums, your policy cannot be canceled.
Availability
American Retirement Life services Medicare supplement insurance in Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving, Amarillo, Grand Prairie, Brownsville, Pasadena, McKinney, Mesquite, McAllen, Killeen, Frisco, Waco, Carrollton, Denton, Midland, Abilene, Beaumont, Round Rock, Odessa, Wichita Falls, Tyler, Richardson, Lewisville, and most other Texas cities.
Related Medicare Supplement Insurance Topics
- Do I really Need Supplemental Insurance with Medicare??
- Is Medicare Plan G Better Than Plan F?
- What is the Average Cost of Supplemental Insurance for Seniors?
On this page our goal is to help consumers: Compare American Retirement Life Medigap plans in Texas with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .