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Medigap Plans
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Texas
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Western United Life

Western United Life Medigap Plans in Texas

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

This page contains editorial content that is not endorsed or approved by Western United Life Assurance Company (a ManhattanLife 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:B+
A.M. Best Outlook:Stable
S&P Rating:
Established:Unknown
NAIC Number:85189
Policy Fee:$25.00

What Medicare Supplement Insurance does Western United Life offer in Texas?

Western United Life Assurance Company (a ManhattanLife company) sells 5 Medicare supplements in Texas. Each lettered plan pays Medicare benefits differently (see comparison chart or check out our review). Here they are at a glance:

Plans Offered by Western United Life

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$93.58Attained AgeOctober 04, 2017
Medigap Plan C$122.58Attained AgeOctober 04, 2017
Medigap Plan F$123.83Attained AgeOctober 04, 2017
Medigap Plan G$93.67Attained AgeOctober 04, 2017
Medigap Plan N$81.58Attained AgeOctober 04, 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.

The following table shows what each Western United Life Medigap plan covers:

Medigap Plan Benefits

BenefitsACFGN
Part A DeductibleNoYesYesYesYes
Part A CoinsuranceYesYesYesYesYes
SNF CoinsuranceNoYesYesYesYes
Part B DeductibleNoYesYesNoNo
Part B CoinsuranceYesYesYesYesYes
Excess ChargesNoNoYesYesNo
Foriegn TravelNo80%80%80%80%
Out-of-Pocket LimitsNoNoNoNoNo

REVIEW: Western United Life Medicare Supplements in Texas

Western United 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, Western United Life has been 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. 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 Texas. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Good financial strength.
  • Over 25 years in the Medicare Supplements business.

Cons

  • Plan F premium not in top 10 best.
  • 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 Western United Life's Medicare supplement plan offering in Texas 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.

Competition vs. Western United Life Plan F

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

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Western United Life$123.83$25.00
☆☆☆☆☆
S.USA Life Insurance$118.82$25.00
☆☆☆☆☆
Guarantee Trust Life$119.60$25.00
☆☆☆☆☆
Philadelphia American$119.98$20.00
☆☆☆☆☆
Unified Life$120.01$25.00
☆☆☆☆☆
Bankers Fidelity$120.01$25.00
☆☆☆☆☆
Equitable National$120.28$20.00
☆☆☆☆☆
Cigna$120.94None
☆☆☆☆☆
Puritan Life$121.27$25.00
☆☆☆☆☆
Shenandoah Life$122.95$25.00
☆☆☆☆☆
Everest$123.67$25.00
☆☆☆☆☆

Contact Western United 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:800-877-7703
Website:https://www.manhattanlife.com/Western-United-Life
Address:PO Box 925568, Houston, TX 77292

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

Western United Life Medicare Supplements are available to all Texas 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 Western United 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

Western United Life services Medicare supplement insurance in Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving, Amarillo, Grand Prairie, Brownsville, Pasadena, McKinney, Mesquite, McAllen, Killeen, Frisco, Waco, Carrollton, Denton, Midland, Abilene, Beaumont, Round Rock, Odessa, Wichita Falls, Tyler, Richardson, Lewisville, and most other Texas 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 Western United Life Medigap plans in Texas 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 15, 2022.

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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.