National Guardian Life Medicare Supplement Plans, West Virginia
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 |
Which Supplemental Medicare Plans Does National Guardian Life Offer in West Virginia?
National Guardian Life Insurance Company offers 4 of the standardized Medigap policies in West Virginia. Each Medigap plan offers a different range of coverage (see comparison chart or check out our review). Here's a quick look at National Guardian 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.
National Guardian Life Medigap Plan Benefits Comparison Chart
The following table shows what each National Guardian Life Medigap plan covers:
REVIEW: National Guardian Life Medicare Supplements in West Virginia
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 West Virginia. See the top 10 competition.
Here are the pros and cons from our analysis:
Pros
- Competitive Plan F premium.
- Excellent financial strength.
- Over 25 years in the Medicare Supplements business.
Cons
- 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 West Virginia 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 West Virginia. 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 West Virginia 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 rights and cannot be turned down. National Guardian 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.
Before choosing a Medicare Supplement carrier, be sure to get the National Guardian Life Medigap rate increase history in West Virginia. The lowest rate now may not be the lowest rate in the future.
Availability
National Guardian Life services Medicare supplement insurance in Charleston, Huntington, Parkersburg, Morgantown, Wheeling, and most other West Virginia 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 West Virginia with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?