National Guardian Life Medicare Supplement Plans, New Jersey
This page contains editorial content that is not endorsed or approved by National Guardian Life Insurance Company[2]. This is not a solicitation of insurance.
| MedicareWire Rating: | |
|---|---|
| A.M. Best Rating: | A- |
| A.M. Best Outlook: | Stable |
| S&P Rating: | BBB |
| Established: | Unknown |
| NAIC Number: | 66583 |
| Policy Fee: | $25.00 |
What Medigap Policies Does National Guardian Life Sell in New Jersey?
National Guardian Life Insurance Company offers 5 different Medigap plans in New Jersey . Each plan covers the gaps in Original Medicare differently (see comparison chart or check out our review). Here's what National Guardian Life 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.
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 National Guardian Life Medicare Supplement:
REVIEW: National Guardian Life Medicare Supplements in New Jersey
National Guardian Life scored 3.5 out of 5.0 based on our scoring method. Although their Plan F is not in the top 10 best rates, National Guardian Life has been servicing Medicare Supplements for over 10 years and has a good financial rating from A.M. Best. Another slight negative is their $25.00 policy fee. This is a good carrier, but there are other good Medigap carriers with lower rates in New Jersey. See the top 10 competition.
Here are the pros and cons from our analysis:
Pros
- Excellent financial strength.
- Over 25 years in the Medicare Supplements business.
Cons
- Uncompetitive Plan F premium.
- 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 National Guardian Life's Medicare supplement plan offering in New Jersey 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.
National Guardian Life Medigap Plan F vs. Competition
Medigap Plan F is the best selling plan sold in New Jersey. Below you can compare National Guardian Life's starting rate on Plan F vs. their top ten competitors.
Contact National Guardian 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
National Guardian Life supplemental Medicare insurance policies are available to all Medicare beneficiaries in New Jersey at age 65. You must be enrolled in both Medicare Parts A and B.
If you are just turning age 65, you have guaranteed issue rights and cannot be turned down by National Guardian Life. Once issued, your Medicare Supplement policy can't be canceled. And, it will automatically renew for as long as you continue to pay the premiums and make no material misrepresentations.
Before choosing an insurance company, be sure to get the National Guardian Life Medicare Supplement rate increase history in New Jersey. This is the best way to predict future rate increases.
Availability
National Guardian Life services Medicare supplement insurance in Newark, Jersey City, Camden, Paterson, Elizabeth, Edison, Woodbridge, Lakewood, Toms River, Hamilton, Trenton, Clifton, Cherry Hill, Passaic, Middletown, Union City, Old Bridge, Gloucester City, East Orange, Bayonne, Franklin, North Bergen, Vineland, Union, Piscataway, New Brunswick, Wayne, Irvington, Parsippany, and most other New Jersey 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 National Guardian Life Medigap plans in New Jersey with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?