At Bluewave Insurance we are proud to present our clients with Heartland National Medicare supplement plans. To learn more contact us at 800-208-4974.
Heartland National History and Company Overview
Heartland National is one of the leading health insurance providers and life insurance distributors in the United States. Established in 1994 and based in Salt Lake City, they currently sell over 20 million insurance products per year in all 50 states. They provide impeccable customer service for their policyholders with their friendly and logical approach.
Here are some of the reasons why folks choose Heartland National as their Medicare supplement company:
- Affordable plans
- Quick policy issue
- Simple E-application
They currently provide Medigap Plans A, F, G, and N. This article will elaborate more on those plans and offerings. If you have questions about Medicare supplement plans or are struggling to find the provider for you, give us a call at 800-208-4974 to speak with one of our experienced insurance agents.
Heartland National Financial Strengths and Rating
Heartland National sells over 20 million life insurance policies each year to folks around the U.S. and that has landed them an A+ rating on the Better Business Bureau. This rating is granted to companies that have shown great success as well as outstanding operations and customer service. They also have an A+ rating on A.M. Best.
It’s important to note the fact that Heartland National was acquired by a Utah-based company, Equitable Life and Casualty Insurance Company in 2006. This small company that started from the Chris McDaniels house now has thousands of employees and moved into a 10,000 square foot facility.
Here are some of their products:
- Hospital care
- Cancer Care
- Medigap Plans
Heartland National Life Medicare Plans Overview
|Medigap Benefits||Plan F||Plan G||Plan N|
|Medicare Part A Coinsurance||100%||100%||100%|
|Medicare Part B Coinsurance||100%||100%||100% **|
|Blood (First 3 Pints)||100%||100%||100%|
|Part A Hospice Coinsurance||100%||100%||100%|
|Skilled Nursing Facility Coinsurance||100%||100%||100%|
|Medicare Part A Deductible||100%||100%||100%|
|Medicare Part B Deductible||100%||X||X|
|Medicare Part B Excess Charges||100%||100%||X|
Heartland National has a robust inventory of Medicare supplement insurance plans that provide the best care for their clients. Out of the 11 available Medigap plans they currently provide Plans A, F, G, and N. This is important to note because not all private-insurance companies offer that many plans. Some Insurance companies only offer 2 or 3 Medigap plans.
Here are some of the benefits these Medigap plans include:
- Foreign travel emergency coverage (limited)
- First 3 pints of blood (annually)
- Full coverage of coinsurance amounts for Original Medicare Parts A & B
There are many more benefits and coverage that Heartland National Medicare supplement offers. If you are wondering which Medicare supplement plan may be best for your health care situation, contact us at 800-208-4974 to learn more and to speak with an experienced insurance representative.
In order to qualify for Heartland National Medigap, you must be enrolled in Medicare Parts A and B, Original Medicare.
Heartland National has an easy online application process, it takes minutes. If you need help filling out this application or signing up, contact us at 800-208-4974 to receive a free consultation on Heartland National Medicare supplement plans.
Heartland National Medicare Supplement Plan A
Out of all the Medigap plans Heartland National has to offer, Medicare supplement Plan A has to be the most basic, but also the most affordable plan yet. This plan helps reduce or fully pay the out-of-pocket costs that Original Medicare does not cover.
The above benefits, Plan A is able to cover 100% of the cost. However, Plan A can also partially pay other costs. To learn more about Plan A, and if it’s the right plan for you, contact us at 800-208-4974.
Heartland National Medicare Supplemental Insurance Plan F
Heartland National Medigap Plan F is one of their most comprehensive and popular plans they currently have in their inventory. This plan may be the most costly, but it offers the most coverage out of all the plans. This greatly reduces out-of-pocket costs if you have frequent the doctors or emergency room.
As of January 1st, 2020, insurance companies will no longer be offering Plan F to new enrollees (folks who became Medicare eligible after January 1st, 2020. If you are not able to qualify for Plan F there are other options.
Here are some of the highlights of what Plan F covers:
- Part B excess charges
- Part A deductible
- Preventative care
- Hospital coverage
If you are still eligible for Plan F, or have Plan F and are looking to switch, give us a call at 800-208-4974 to talk with one of our experienced insurance agents. We would be happy to answer any of your questions
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Heartland National Medicare Supplement Plan G
A close second to Medigap Plan F, is Plan G. They are pretty much identical except with Plan G you must pay the Part B deductible. So if you weren’t able to qualify for Plan F but want something as robust, than Plan G is your go-to plan.
Plan G will help you reduce out-of-pocket costs that Original Medicare does not cover. Since Original Medicare only covers 80% of heath care costs, you wont have to worry with Plan G, it will partially or fully pay for most expenses.
Here are some of the reasons why folks pick Plan G:
- Part A deductible
- Hospice care
- Skilled nursing facility
- Part B coinsurance
Heartland National has so many more benefits with their Plan G. If you would like to find out more, contact us at 800-208-4974. Our trusted insurance agents would be delighted to assist you in any way.
Heartland National Medicare Supplemental Insurance Plan N
Depending on how much healthcare coverage you need and your unique medical situation, then Medigap Plan N may be for you. Medicare supplement Plan N covers 100% of Original Medicare coinsurance costs. However, the only drawback is that you must pay $20 copay for each doctor or specialist visit, and $50 for each emergency room visit.
Even though Plan N doesn’t fully cover doctors or emergency room visits, it still helps reduce out of pocket costs by providing benefits for the following:
- Hospital coverage up to 365 days after Original Medicare
- Part A hospice care
- Part A deductible
- Preventative care
If you would like to sign up for Plan N and pay a low monthly premium, or to learn more, contact us at 800-208-4974 to speak with an experienced insurance agent. They will answer any questions and provide you a free quote.
Our Final Recommendations
At Bluewave Insurance, we understand that picking the right supplement plan and provider can be a difficult task. However, to make it easier for you, we highly recommend folks to consider Heartland National. Time and time again this company has shown outstanding performance for their clients and has been able to follow through with great products.
To receive a free quote and a consultation contact us at 800-208-4974. One of insurance agents would be happy to speak with you and answer any questions.
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