National General is an accident and health insurance company that has offered Medicare Supplement plans for several years. National General insurance company is not an extremely large corporation. Yet, they are a publicly traded company that produces roughly $4.6 billion in revenue each year with extensive experience providing Medicare Supplement plans to policyholders. Learn more about National General Medicare Supplement plans below.
What Are National General Medicare Supplement Plans?
Several states throughout the U.S. offer National General Medicare Supplement (Medigap) plans. Because the government standardizes the benefits for Medicare Supplement plans, it is not uncommon for carriers to provide special perks for their enrollees.
National General Medicare Supplement plan perks include:
- Year-round enrollment
- Immediate coverage, beginning the day after enrollment
- Affordable health plans
- A 7% household premium discount for qualifying members
National General Medicare Plan Options for 2023
National General offers four standardized Medigap plans. Medicare Supplement Plan A, Plan F, Plan G, and Plan N are available, as well as Medigap High Deductible Plan F.
Medicare Supplement plans are standardized, meaning they cover all the same benefits by letter. In other words, Medicare Supplement Plan A in North Carolina will provide the same benefits as Plan A in Maryland.
Thus, the difference between policies lies in the premium price and company. You should review all available carriers in your area to determine which is best for your needs.
Once you decide that you want to move forward with National General – or another carrier – enrollment should be a breeze.
While you can enroll in a Medigap plan anytime, it’s beneficial to sign up during your Medigap Open Enrollment Period. This allows you to sign up without needing to answer underwriting health questions. Outside of this enrollment period, you may be required to go through underwriting and the carrier can deny you a policy due to pre-existing conditions.
Of the available plans, the most popular National General Medigap plans include:
- National General Medigap Plan F
- National General Medigap Plan G
- National General Medigap Plan N
These three plans are top choices through most carriers nationwide due to their comprehensive benefits and accessibility.
How Much Do National General Medicare Supplement Plans Cost?
The monthly premium price of a National General Medigap plan depends on several factors. Your age, ZIP Code, tobacco use status, and plan letter will all play a role in your monthly premium cost.
Generally, you will pay the lowest premium if you:
- Enroll at age 65
- Are female
- Do not use tobacco products
Typically, women have lower premiums than men and if you use tobacco, you will have a higher premium due to the immediate risk factors. Additionally, where you live affects your premium as well.
Some states charge more for Medigap than others depending on the rating method. You will need to consider all of these factors when choosing your Medicare Supplement plan.
Do National General Medicare Supplement Plans Have A Network?
National General Medicare Supplement plans, like all Medigap plans, nationwide do not have a provider network for you to follow when receiving coverage. You can use your National General Medigap plan at any physician accepting Original Medicare nationwide. Thus, you can never face denial solely based on the carrier you choose.
How to Sign Up for National General Medicare Supplement Plans
Our agents are available to help you find the right coverage to meet your needs. We feel that if you find the price to be right, National General may be an excellent option for Medigap coverage.
By offering a comprehensive plan comparison with all the top carriers in your area, you can make the best choice for your healthcare coverage.
Give us a call or complete our online rate form to see the rates for National General Medicare Supplement plans in your area now!
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My husband has National General Medicare part B. Suddenly claims are not getting paid, and phone number on his card is not valid. His policy number is not valid. We have just found his cancer has spread and are afraid to schedule surgery till we get this straight. Our insurance agent doesn’t reply to my messages. Help!
Hi Bonnie! I would recommend calling Medicare directly to get this situation resolved.