On this page we help consumers: Compare National Guardian Life Medicare Supplement Plans in Rhode Island with competing Medigap plans. Shop lowest prices on Medicare Plan F, G, N and more. Read our 5-star review of National Guardian Life vs. Top Ten Competition.
What Medicare Supplements does National Guardian Life offer in Rhode Island?
National Guardian Life Insurance Company offers 4 different Rhode Island Medigap Plans. 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.
National Guardian Life Medigap Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart shows what each National Guardian Life Medigap plan covers:
REVIEW: National Guardian Life Medicare Supplements in Rhode Island
National Guardian Life scored 3.5 out of 5.0 based on our scoring method. With a top 10 Plan F premium, more than 10 years in the Medicare Supplements business, and a strong financial rating from A.M. Best, we have confidence in National Guardian Life. These are just a few reasons we recommend this carrier to seniors in Rhode Island. See the top 10 competition.
Here are the pros and cons from our analysis:
- Competitive Plan F premium.
- Excellent financial strength.
- Over 25 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.
We reviewed National Guardian Life's Medigap plan offering in Rhode Island 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 did not take into account rate increase history.
Competition vs. National Guardian Life Plan F
Plan F is the most popular plan sold by National Guardian Life in Rhode Island. The table below gives you an idea of rates by the top ten vs. National Guardian Life.
Contact National Guardian Life Medigap Sales
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. You can learn more about Medigap on the Wikipedia page and on WebMD.
Compare Plan Rates
The average Rhode Island senior compares three or more quotes before making an enrollment decision.
National Guardian Life Medicare Supplements are available to all Rhode Island beneficiaries, ages 65 and older, who are enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down by National Guardian Life. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
National Guardian Life services Medicare supplement insurance in Cranston, Providence, Warwick, Pawtucket, Woonsocket, Coventry, and most other Rhode Island cities. Visit the National Guardian Life Medicare page for more information.
About this Review
This page presents an independent review of National Guardian Life as a Medicare Supplement insurance carrier in Rhode Island as compared to all other carriers. MedicareWire provides this information for consumer educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.
Medicare Supplement insurance, also known as Medigap insurance, must follow federal and state laws and does not work with any other type of health insurance, including Medicare Advantage Plans, employer/union group health coverage, Medicaid, Veterans Administration (VA) benefits, or TRICARE. Insurance companies, including National Guardian Life, can only sell you a standardized Medigap policy identified by letters A through M. Each standardized policy must offer the same benefits, no matter which insurance company sells it. Cost is the primary difference between Medigap policies sold by different insurance companies.
Additional Information About Medicare Supplements
- What are Medicare Supplement Plans?
- How Much Do Medicare Supplement Plans Cost?
- Medicare Supplement Open Enrollment Period
- Medicare Advantage vs. Medicare Supplement
- Medicare Supplemental Insurance for Disabled Under 65
Additional Foot Notes
 Sample premium is for a 65 year old, non smoking, woman living in Rhode Island. 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.
 Review rating stars are derived from MedicareWire reviews on our Rhode Island Medigap Plan Reviews page. Visitors can go to our main directory page to compare Medicare supplement plans in other states.