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Everence

Everence Medicare Supplement Plans, Maryland

by David Bynon, last updated October 1, 2023

On this page we help consumers learn more about Medicare Supplements sold by Everence in the state of Maryland. Call 1-855-728-0510 (TTY 711) for plan assistance.
Everence Medigap Plans in Maryland

This page contains editorial content that is not endorsed or approved by Everence Insurance Company[2]. This is not a solicitation of insurance.


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MedicareWire Rating:
☆☆☆☆☆
A.M. Best Rating:n/a
A.M. Best Outlook:-
S&P Rating:n/a
Established:1992
NAIC Number:57991
Policy Fee:None

What Medicare Supplements does Everence Offer in Maryland?

Everence Insurance Company sells 6 Medicare supplements in Maryland. Each lettered plan pays Medicare benefits differently (see comparison chart or check out our review). Here they are at a glance:

Plans Offered by Everence

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$145.28Issue AgeGet a Quote
Medigap Plan C$195.74Attained AgeGet a Quote
Medigap Plan F$214.57Issue AgeGet a Quote
Medigap Plan G$171.59Issue AgeGet a Quote
Medigap Plan L$104.77Issue AgeGet a Quote
Medigap Plan N$98.12Attained AgeGet a Quote

Issue-Age Rated Medigap Plans: With an Issue Age rated plan your monthly premium is based on your age you're first issued coverage. For instance, if your get your policy at age 65 and your premium is $125, it may remain the same rate until age 72. However, you're age 72 when you enroll, your premium might start at $170, but would not increase based on by your age. Premiums will 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 following table shows the coverage benefits you get with of each Medicare supplemental plan offered by Everence:

Medigap Plan Benefits

BenefitsACFGLN
Part A DeductibleNoYesYesYes75%Yes
Part A CoinsuranceYesYesYesYesYesYes
SNF CoinsuranceNoYesYesYes75%Yes
Part B DeductibleNoYesYesNoNoNo
Part B CoinsuranceYesYesYesYes75%Yes
Excess ChargesNoNoYesYesNoNo
Foriegn TravelNo80%80%80%No80%
Out-of-Pocket LimitsNoNoNoNo$2,940No

REVIEW: Everence Medicare Supplements in Maryland

Everence scored 3.5 out of 5.0 based on our scoring method. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Over 25 years in the Medicare Supplements business.
  • No charge for writing the policy.

Cons

  • Uncompetitive Plan F premium.
  • Unknown financial strength (no A.M. Best rating).
  • Does not offer Medicare SELECT plans.
  • Does not offer the 5 most popular plans.

About This Review

We reviewed Everence's Medicare supplement plan offering in Maryland 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 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.

Competition vs. Everence Plan F

Plan F is the most popular plan sold by Everence in Maryland. The table below gives you an idea of rates by the top ten vs. Everence.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Everence$214.57None
☆☆☆☆☆
AARP$148.59None
☆☆☆☆☆
Thrivent$151.10$25.00
☆☆☆☆☆
Cigna$153.22None
☆☆☆☆☆
Equitable National$158.96$20.00
☆☆☆☆☆
CareFirst BlueCross BlueShield$159.70None
☆☆☆☆☆
Bankers Fidelity$161.54$25.00
☆☆☆☆☆
MassMutual$162.68None
☆☆☆☆☆
Unified Life$163.24$25.00
☆☆☆☆☆
Western Catholic Union$163.37$25.00
☆☆☆☆☆
Liberty Bankers Life$163.58$25.00
☆☆☆☆☆

Contact Everence 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:

Sales:800- 348 -7468
Website:https://www.everence.com/financial-services/insurance/medicare-supplement-insurance
Address:1110 North Main Street P. O. Box 483, Goshen, IN 46527

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

Everence Medigap plans are available to all Maryland Medicare beneficiaries, ages 65 and older, who have enrolled in Medicare Part A and Medicare Part B.

If you are within your first six months of Medicare enrollment, you have guaranteed issue rights and cannot be turned down. Everence 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.

Before choosing a Medicare Supplement carrier, be sure to get the Everence Medigap rate increase history in Maryland. The lowest rate now may not be the lowest rate in the future.

Availability

Everence services Medicare supplement insurance in Baltimore, Columbia, College Park, Frederick, Rockville, Gaithersburg, Bowie, Hagerstown, Annapolis, Salisbury, Laurel, Bethesda, and most other Maryland 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 Everence Medigap plans in Maryland with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

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[1]Affiliate and Sales Agent Disclosure

Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

Compensation does not influence our content, which is based on independent research. MedicareWire’s plan page content are reviewed annually for CMS compliance by licensed compliance officers from UnitedHealthcare, Humana, and Aetna. Read our full sales agent disclosure and how we make money.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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