Capitol Life Insurance Company Medicare Supplement Plans

This article is for informational purposes only and is not affiliated with or endorsed by Capitol Life Medicare Supplement or an subsidiaries.

Capitol Life Insurance Company, a subsidiary of Liberty Bankers Insurance Group, has been providing insurance solutions for decades. While the company primarily focuses on life insurance products, it also offers Medicare Supplement insurance policies designed to help beneficiaries manage out-of-pocket expenses not covered by Original Medicare.

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Overview of Capitol Life’s Medicare Supplement Plans

Medicare Supplement insurance, also known as Medigap, helps cover costs such as copayments, coinsurance, and deductibles that are not paid by Original Medicare (Parts A and B). Capitol Life offers a range of standardized Medigap plans that provide additional financial protection for Medicare beneficiaries.

Capitol Life offers several Medigap plans, which may include:

Plan A: Covers essential benefits, including Medicare Part A coinsurance and hospital costs, as well as Part B coinsurance or copayments.
Plan F (if available): Provides extensive coverage, including Part A and Part B deductibles, foreign travel emergency care, and excess charges. Note: Plan F is only available to those we were enrolled in medicare prior to Jan 1st, 2020.
Plan G: Similar to Plan F but does not cover the Medicare Part B deductible.
Plan N: Offers lower premiums with cost-sharing for certain services, such as Part B copayments and excess charges.

Availability of these plans may vary by state due to regulatory differences.

These plans are standardized, meaning the benefits for each plan type are consistent across all insurers. However, premiums may vary based on factors like age, location, and selected coverage.

Eligibility and Enrollment

To enroll in a Capitol Life Medicare Supplement plan, applicants must be enrolled in both Medicare Part A and Part B.

The Medigap Open Enrollment Period lasts for six months starting from the first month a person is both 65 or older and enrolled in Part B. During this period, applicants cannot be denied coverage or charged higher premiums due to pre-existing conditions. Outside this period, medical underwriting may be required unless a guaranteed issue right applies.

Learn more about medicare enrollment and eligibility.

Final Thoughts on Capitol Life Insurance Company's Medigap Plans

Capitol Life Insurance Company offers Medicare Supplement insurance plans designed to help beneficiaries manage out-of-pocket healthcare expenses.

Individuals considering a Capitol Life Medicare Supplement policy should review available plans and premiums to determine the best fit for their healthcare needs.

Other Insurance Companies:

Compare Medigap plans in your area.

Find a plan

Or call now to speak with a licensed insurance agent:

1-800-995-4219

References

1 Plans by Capitol Life Insurance Company may not be available in all states. MedicareSupplement.com does not offer plans from Capitol Life Insurance Company. This page is presented for informational purposes only for consumers to learn basic information about recognized Medicare Supplement Insurance Carriers. This article does not represent any relationship or affiliation with Capitol Life Insurance Company.

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