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Medigap Plans
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Missouri
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Unified Life

Unified Life Medicare Supplement Plans, Missouri

by David Bynon, last updated June 10, 2023

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

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


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MedicareWire Rating:
☆☆☆☆☆
A.M. Best Rating:B++
A.M. Best Outlook:Stable
S&P Rating:
Established:2015
NAIC Number:11121
Policy Fee:None

What Medicare Supplements does Unified Life Offer in Missouri?

Unified Life Insurance Company offers 5 different Medigap plans in Missouri . Each plan covers the gaps in Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage. differently (see comparison chart or check out our review). Here's what Unified Life offers:

Plans Offered by Unified Life

Plan TypePremium[3]Rating TypeEffective
Medigap Plan AMedicare Supplement Plan A is often confused with Medicare Part A, which is the Medicare coverage that pays for your inpatient hospital care. Medicare Supplement Plan A, which is also known as Medigap Plan A,...$128.65Issue AgeGet a Quote
Medigap Plan FMedicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services.$166.51Issue AgeGet a Quote
Medigap Plan F (HD)$54.92Issue AgeGet a Quote
Medigap Plan GIf you're turning age 65 this year, Medicare Supplement Plan G is the most comprehensive Medicare supplement you can buy. It's also the most popular. You might be thinking that Medicare Supplement Plan F is...$131.82Issue AgeGet a Quote
Medigap Plan NMedicare Supplemental Plan N is one of the ten standardized Medigap plans. Although it is one of the newest plans available, Medicare Plan N is quickly becoming a favorite with Baby Boomers aging into their...$111.46Issue AgeGet a Quote

Issue-Age Rated Medigap Plans: With an Issue Age rated plan your monthly premium is based on your age you're first issued coverage. For instance, if your get your policy at age 65 and your premium is $125, it may remain the same rate until age 72. However, you're age 72 when you enroll, your premium might start at $170, but would not increase based on by your age. 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.  will 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 following table shows what each Unified Life Medigap plan covers:

Medigap Plan Benefits

BenefitsAFGF (HD)N
Part A DeductibleNoYesYesYesYes
Part A CoinsuranceYesYesYesYesYes
SNF CoinsuranceNoYesYesYesYes
Part B DeductibleNoYesNoYesNo
Part B CoinsuranceYesYesYesYesYes
Excess ChargesNoYesYesYesNo
Foriegn TravelNo80%80%80%80%
Out-of-Pocket LimitsNoNoNoNoNo

REVIEW: Unified Life Medicare Supplements in Missouri

Unified Life scored 3.5 out of 5.0 based on our scoring method. Unified Life has a good financial rating from A.M. Best, but their Plan F is not in the top 10 best rates and 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.. We are confident in their financial strength, but feel there are better options in Missouri. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Good financial strength.
  • No charge for writing the policy.

Cons

  • Plan F premium not in top 10 best.
  • 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.

About This Review

We reviewed Unified Life's Medicare supplement plan offering in Missouri 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.

Competition vs. Unified Life Plan F

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

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Unified Life$166.51None
☆☆☆☆☆
Anthem Blue Cross and Blue Shield$154.35None
☆☆☆☆☆
Americo Life$155.22None
☆☆☆☆☆
Transamerica$156.70None
☆☆☆☆☆
Cigna$159.11None
☆☆☆☆☆
Assured Life$159.20$25.00
☆☆☆☆☆
ManhattanLife$160.67$25.00
☆☆☆☆☆
Renaissance Life$162.46$25.00
☆☆☆☆☆
S.USA Life Insurance$163.32$25.00
☆☆☆☆☆
Everest$164.12$25.00
☆☆☆☆☆
Old Surety$166.02$20.00
☆☆☆☆☆

Contact Unified 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:800-884-7268
Website:https://unifiedlife.com/medicare-supplement/
Address:P.O. Box 25326, Overland Park, KS 66225

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

Unified Life Medicare Supplements are available to all Missouri beneficiaries, ages 65 and older, who have enrolled in both Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. and 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 Unified 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

Unified Life services Medicare supplement insurance in Saint Louis, Kansas City, Springfield, Independence, Columbia, Lees Summit, O'Fallon, Saint Joseph, Saint Charles, Blue Springs, Saint Peters, Florissant, Joplin, Chesterfield, and most other Missouri 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 Unified Life Medigap plans in Missouri with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

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Save money with our FREE Medicare Supplement Rate Report!

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 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.