What Medicare Supplements does Heartland National offer in Alabama?
Heartland National Life Insurance Company offers 4 different Alabama Medigap Plans. Each plan covers the gaps in Original Medicare differently (see Comparison Chart or check out our Review). Here's what Heartland National offers:
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.
Heartland National Medigap Plan Benefits Comparison Chart
The following table shows what each Heartland National Medigap plan covers:
REVIEW: Heartland National Medicare Supplements in Alabama
Heartland National scored 3.0 out of 5.0 based on our scoring method. Heartland National has priced their Plan F out of the top 10 in Alabama, they have been in the Medicare Supplements business less than 10 years, and their A.M. Best financial rating is unknown or not great. Another negative is their policy fee. For these reasons we cannot recommend this carrier. See the top 10 competition.
Here are the pros and cons from our analysis:
- Plan F premium not in top 10 best.
- Unknown financial strength (no A.M. Best rating).
- Less than 10 years in the Medicare Supplements business.
- Does not offer Medicare SELECT plans.
- Does not offer the 5 most popular plans.
- Charges a fee to write the policy.
About This Review
We reviewed Heartland National's Medigap plan offering in Alabama versus all other 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.