Loyal American Medicare Supplement Plans

This article is for informational purposes only and is not affiliated with or endorsed by Loyal American Life Insurance Company or an subsidiaries.

Loyal American Life Insurance Company, established in 1955 in Alabama, is a subsidiary of Cigna Corporation, headquartered in Austin, Texas. The company offers various insurance products, including Medicare Supplement Insurance, also known as Medigap.

Loyal American Medicare Supplement Plans Offered

Loyal American provides several standardized Medigap plans designed to help cover out-of-pocket costs not paid by Original Medicare (Parts A and B). These plans include:

• Plan A: Covers basic benefits such as hospitalization coinsurance, medical expenses coinsurance, hospice care, and the first three pints of blood each year.
• Plan F: Offers comprehensive coverage, including Part A and Part B deductibles, skilled nursing facility coinsurance, and foreign travel emergency care. Note that Plan F is only available to individuals who were eligible for Medicare before January 1, 2020.
• Plan G: Similar to Plan F but does not cover the Part B deductible. It includes benefits like Part B excess charges and foreign travel emergency care.
• Plan N: Provides coverage for Part A deductibles and coinsurance, skilled nursing facility coinsurance, and includes copayments for certain office and emergency room visits.

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.

Additional Features

Loyal American's Medicare Supplement policies come with several features aimed at enhancing customer experience:

• 30-Day Free Look Period: Policyholders can review their plan and cancel within 30 days for a full refund if not satisfied.
• Renewable for Life: As long as premiums are paid, the policy cannot be canceled.
• Nationwide Coverage: Policyholders can use their benefits with any healthcare provider nationwide that accepts Medicare.
  12-Month Rate Lock-In: Premium rates are locked in for the first 12 months of the policy.
  Access to Cigna Healthcare's 24-Hour Health Information Line: Provides around-the-clock access to health information and support.
  Online Policy Management via MyPolicyHQ.com: Allows policyholders to manage their policies and access information online.

Eligibility and Enrollment

To be eligible for a medicare supplement plan, individuals must be enrolled in Medicare Part A and Part B. There are specific periods, during which you can enroll in a medicare supplement plan. Learn more about medicare enrollment and eligibility.

Final Thoughts on Loyal American Life Insurance Medigap

Loyal American Life Insurance Company offers a range of Medicare Supplement plans designed to help beneficiaries manage healthcare costs not covered by Original Medicare. With features like guaranteed renewability, nationwide coverage, and the backing of Cigna's financial strength, Loyal American presents a viable option for those seeking Medigap coverage.

Other Insurance Companies:

• Medico Insurance Company
• Ace Medicare Supplement
• Gerber Medicare Supplement
• American Continental Medicare Supplement