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Medigap Plans
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North Carolina
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SBLI USA Life

SBLI USA Life Medigap Plans in North Carolina

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

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


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Contact the Plan
MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. Rating:
☆☆☆☆☆
A.M. Best Rating:A-
A.M. Best Outlook:Stable
S&P Rating:
Established:2016
NAIC Number:60176
Policy Fee:$6.00

What Medicare Supplement Insurance does SBLI USA Life offer in North Carolina?

SBLI USA Life Insurance Company sells 3 Medicare supplements in North Carolina. Each lettered plan pays Medicare benefits differently (see comparison chart or check out our review). Here they are at a glance:

Plans Offered by SBLI USA Life

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$92.62Attained AgeJuly 31, 2017
Medigap Plan F$114.82Attained AgeJuly 31, 2017
Medigap Plan G$98.39Attained AgeJuly 31, 2017

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.

If you need a Medicare Supplement but don't know where to start, we have licensed Medicare insurance agents[1] available at 1-855-728-0510 (TTY 711) who can answer your questions and help you get the best plan for your needs. No obligation.

SBLI USA Life Medigap Plan Benefits Comparison Chart

The table below outlines the coverage of each SBLI USA Life Medicare Supplement:

Medigap Plan Benefits

BenefitsAFG
Part A DeductibleNoYesYes
Part A CoinsuranceYesYesYes
SNF CoinsuranceNoYesYes
Part B DeductibleNoYesNo
Part B CoinsuranceYesYesYes
Excess ChargesNoYesYes
Foriegn TravelNo80%80%
Out-of-Pocket LimitsNoNoNo

REVIEW: SBLI USA Life Medicare Supplements in North Carolina

SBLI USA Life scored 3.5 out of 5.0 based on our scoring method. Although they have less than 10 years experience servicing Medicare SupplementsMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage., SBLI USA Life has a top 10 Plan F premium and a strong financial rating from A.M. Best. They might be relatively new in the business, but they are financially strong and have good rates, so we feel they are one of the better options for North Carolina seniors. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • The lowest Plan F premium.
  • Excellent financial strength.

Cons

  • Fewer than 5 years in the Medicare Supplements business.
  • Does not offer Medicare SELECTMedicare SELECT is a type of Medigap policy (Medicare supplement plan) that requires its members to get their primary care from a contracted provider. plans.
  • Does not offer the 5 most popular plans.
  • Charges a fee to write the policy.

About This Review

We reviewed SBLI USA Life's Medicare supplement plan offering in North Carolina 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 premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of 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.

SBLI USA Life Medigap Plan F vs. Competition

Plan F is the most popular plan sold by SBLI USA Life in North Carolina. The table below gives you an idea of rates by the top ten vs. SBLI USA Life.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
SBLI USA Life$114.82$6.00
☆☆☆☆☆
Unified Life$117.28$25.00
☆☆☆☆☆
New Era Life$118.29$20.00
☆☆☆☆☆
Liberty Bankers Life$118.54$25.00
☆☆☆☆☆
Guarantee Trust Life$119.30$25.00
☆☆☆☆☆
Continental Life$120.70$20.00
☆☆☆☆☆
Everest$122.26$25.00
☆☆☆☆☆
MassMutual$122.36None
☆☆☆☆☆
Assured Life$122.50$25.00
☆☆☆☆☆
Thrivent$122.51$25.00
☆☆☆☆☆
Cigna$123.64None
☆☆☆☆☆

Contact SBLI USA 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:

Sales:877-725-4872
Website:https://www.prosperitylife.com/medicare-supplement-insurance
Address:100 W. 33rd Street, Suite 1007, New York, NY 10001

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

SBLI USA Life Medicare Supplements are available to all North Carolina beneficiaries, ages 65 and older, who are enrolled in Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services.. If you are just turning age 65, you have guaranteed issue rightsGuaranteed-issue is a right granted to Medicare beneficiaries and applies to Medicare Supplement insurance (aka, Medigap plans). All states and the federal government enforce this essential right, which protects Medicare beneficiaries from medical underwriting. and cannot be turned down by SBLI USA 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.

Availability

SBLI USA Life services Medicare supplement insurance in Charlotte, Gastonia, Concord, Raleigh, Greensboro, High Point, Winston, Salem, Durham, Fayetteville, Cary, Wilmington, Ashville, Jacksonville, Chapel Hill, Rocky Mount, Burlington, Wilson, and most other North Carolina 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 SBLI USA Life Medigap plans in North Carolina with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on March 13, 2022.

[1] Licensed Sales Agent

Licensed sales agent (“advisor”) services are provided by HealthCompare Insurance Services, Inc., MedicareWire’s trusted partner. Online enrollment service provided through MedicareEnrollment.com, a HealthCompare affiliate. Read our full sales agent disclosure.

[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.

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The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.