At Bluewave Insurance we are proud to present our clients with Liberty Bankers Life Insurance Medicare supplement plans. To find out more information or a free consultation, contact us at 800-208-4974.
Liberty Bankers Company History and Overview
Liberty Bankers Insurance Company has been in business for over 60 years. They were founded in 1957 in the great state of Oklahoma and are currently headquartered in Dallas, Texas. They not only provide policy holders with the best health care services, but they also provide full life insurance and annuity products. Their life insurance inventory includes final expense, term and permanent designs.
They are also co-affiliated with companies such as: American Benefit Life Insurance company and Capitol Life Insurance Company.
Liberty Bankers Financial Strength & Ratings
Liberty Bankers Insurance Group has a strong financial history, since having operated for over 60 years. They currently have over 2 billion in assets, and over 242 million in capital and surplus. Currently they have a B++ rating by A.M. Best for their stability and growth. In addition, they have an A+ rating on the Better Business Bureau for their outstanding service to the community.
Liberty Bankers Medicare Supplement Insurance Benefits
Liberty Bankers offers a competitive Medicare supplement policy for their customers. Not only do they help cover Medicare Part A and Part B “gaps,” but they offers outstanding support along with it. Here are a few benefits that make Liberty Bankers the go-to insurance company when it comes to Medicare supplement insurance:
- Guaranteed renewable coverage
- Choose any doctor or hospital that accepts Medicare
- See any specialist that accepts Medicare, no referral needed
- Peace of mind with same benefits year after year
- Stable costs
- Foreign travel coverage (depending on your plan)
All these benefits make Liberty Bankers a great option if you’re looking to purchase a Medicare Supplement plan. Depending on the plan you choose it will help lower costs of high medical expenses and give you the best care available.
Yes, Liberty Bankers guarantees that your same Medicare Supplement plan and benefits will renew year after year.
No, Liberty Bankers Medicare supplement beneficiaries have the freedom to choose any doctor or hospitals that accepts Medicare services. In addition, they can also choose any specialist as long as they accept Medicare. Liberty Bankers Medicare supplement plans make it easy for people to get the help they need.
Yes, depending on your Medicare supplement plan, Liberty Bankers will cover partial if not full coverage of your travel emergencies outside of the United States. Contact Bluewave Insurance at 800-208-4974 for more information.
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Liberty Bankers Medigap Plan F
Liberty Bankers Medigap Plan F is probably their most comprehensive and popular plan yet. This plan will cover a lot of what Original Medicare does not cover. For example, if you have a chronic condition that requires you to go frequently to your doctors office or a specialist, then Plan F would be a perfect choice for you. Why? Because it covers the Part B deductible and excess charges. So, if your doctor requires additional services on top of your current one, your Medigap Plan F will cover those costs.
Here are out-of-pocket costs Plan F will 100% cover:
- Services and Supplies for first 60 days (Part A deductible)
- Coverage for additional 365 days
- Coverage beyond additional 365 days
- Blood (first 3 pints)
- Hospice care copayment
With Medicare supplement insurance Plan F you get full coverage with whatever heath care expenses comes your way.
At Bluewave Insurance we help out clients pick the best Medicare supplement plan that fits their needs. If you would like a free consultation or quote comparison, give us a call at 800-208-4974. One of out trusted insurance agents will be happy to assist you.
Liberty Bankers Life Medicare Supplement Plan G
Another popular choice that Liberty Bankers health insurance covers is Medicare supplement Plan G. This plan is also robust and is very similar to Plan F, but has a lower premium. With Plan G it covers everything Plan F dos but does not cover Part B deductibles.
Here are some highlights of Liberty Bankers Plan G:
- Part A deductible
- Part B preventative care coinsurance
- Part B excess charges
- Skilled nursing facility
Plan G may be the plan for you if you’re looking to get something similar to Plan F but with a lower premium. If you have any questions about Plan G, don’t hesitate to reach out to us.
Liberty Bankers Supplemental Medicare Insurance Plan N
Medicare insurance Plan N also gives a great Medicare supplement experience. With this plan, you’ll receive a relatively low premium but have greater cost-sharing. So what’s covered with Plan N? Basically, Plan N covers four basic areas which are: medical expenses, blood, hospitalization, and hospice care. This plan is very focused on specific needs, so if you are confused if Plan N is the right option for you contact us at 800-208-4974.
Even though Plan N still gives a lot of services to avoid expenses that are not covered by Original Medicare, it still requires some out of pocket costs.
Here are some things Plan N does not cover:
- Part B deductible or excess charges
- copay/coinsurance doctor’s office visits
- copay/coinsurance for emergency room visits
When choosing a Medicare supplement plan you have to be aware about what your needs are. Plan N may be the right plan for you if you don’t frequent the doctors office or need a specialist. However, if you do, Plan F might be the best way to avoid high out-of-pocket costs.
Our Recommendations for the Best Medicare Supplement Plan
Our overall recommendation is to find the right Medicare supplement plan that will suit your needs. It might be Plan F, Plan G, or Plan N. It all depends on your situation and what your personal needs are. However, it’s important that you have a supplemental insurance on top of your Original Medicare in order to avoid rising health care costs.
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If you’re wondering which plan is right for you, don’t hesitate to contact one of our insurance agents for a free consultation at 800-208-4974. We’re looking forward to hearing from you!
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