We are proud to present Liberty National Life insurance, to our wonderful clients. If you would like to learn more about their plans or would like a free consultation, give us a call at 800-208-4974.
Liberty National Company History
Liberty National has been in the insurance industry since 1990, however, they have recently changed their name to Globe Life Liberty National. Headquartered in McKinney, Texas they have been providing affordable Medicare supplement insurance and life insurance to millions of US residents for 30 years. They are known for providing great one-on-one customer service to beneficiaries. As well, as providing local support whenever possible.
Liberty National Financial Background and Rating
Liberty National has a strong financial background. They currently have an AA- (very strong) financial strength rating from Standard & Poors. An A1 for insurer financial strength rating from Moody’s and in addition, an A for excellent with A.M. best company. These outstanding ratings reflect Liberty National’s performance to create positive revenue, healthy balance sheets, and most of all, create value for their stakeholders and policyholders.
Liberty National Medicare Supplement Products and Services
| 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 |
| Foriegn Travel* | 80% | 80% | 80% |
Liberty National offers a wide variety of Medigap plans that can tailor to your unique needs. Depending on what your needs are, each plan has a different monthly premium. If you need a lot of health insurance coverage because you frequent the doctors or a specialist a lot, then Plan G or Plan F may be for you. However, if you consider yourself very healthy, and don’t need a lot of coverage than Plan A or Plan N may suit you best because they are more affordable and lean plans.
Overall, many factors come into play when choosing which Medigap plan to sign up for. However, Liberty National makes it easy to feel secure with any of its Medicare supplement plans. Even if you don’t like the one you sign up for you may still reenroll into another plan until you find the one best for you.
If you would like assistance if finding the right Medicare supplement plan for yourself, contact us at 800-208-4974, One of our experienced insurance agents would be glad to answer any of your questions and guide you in picking the best plan for your needs.
Liberty National Additional Health Care Products
- Cancer insurance products
- Critical illness Insurance
- Hospital intensive care insurance
- Hospital accident insurance
- Accident insurance
Folks who are US citizens or permanent legal residents (4 continuous years) and Medicare-eligible can purchase a Medicare supplement plan. The optimum time to apply is during the “Medicare Supplement Open Enrollment Period,” which starts on the first day of the month of your 65th birthday and ends on the 6th month. Essentially a 6-month period.
Liberty National is one of the most accessible Medicare supplement providers in the US. They currently are available in 49 states. Wherever you reside, most likely Liberty National can provide you coverage. If you would like to learn more or have any questions about their Medigap plans contact us at 800-208-4974.
Liberty National Medigap Plan A
Liberty National of course offers the standard Plan A medicare supplement plan. Plan A is the most basic of all the 11 Medigap plans and can provide coverage that Original Medicare Parts A & B don’t cover. However, at times, you may have to pay out-of-pocket. However, Plan A covers 100% of these costs:
- Medicare Part A coinsurance and coverage for hospital benefits
- Medicare Part B coinsurance or copay
- Blood (first 3 pints)
- Hospice care coinsurance or copay
Liberty National Medicare Supplemental Insurance Plan B
Liberty National Medigap Plan B, is the second most affordable plan available. Very similar to Plan A’s lean benefits, this one gives more coverage in hospitalization costs. This plan is perfect for folks that want basic benefits, and to fill the gap the Original Medicare does not cover.
Here are some of the benefits of Plan B
- Hospital benefits
- coinsurance or copay
- Blood (first 3 pints)
- Part A deductible
- Hospice care
Wondering if Plan B may be an affordable plan for you? If you have any questions feel free to reach out to us at 800-280-4974. We would be happy to answer any concerns and provide you a free quote comparison.
Liberty National Medicare Supplemental Plan F
Liberty National also provides a Medigap Plan F, which is the most popular and comprehensive plan. Many have agreed that this is the best plan because it completely fills the gaps that Original Medicare doesn’t cover. If you are a new enrollee that did not qualify for Medicare prior to January 1, 2020, you will not be able to apply for Plan F. However, if you are eligible for Plan F, luckily, you are able to enjoy the robust benefits.
Here is some highlight of Medigap Plan F:
- Part B excess charges
- Part A deductible
- Part B deductible
- Preventative care
- Hospital and emergency room visits
Part B coinsurance or copay
Plan F covers more than the list above, including foreign travel emergency, skilled nursing, the list goes on. If you qualify and would like to sign up for Medicare supplement Plan F, give us a call at 800-208-4974. One of our experienced insurance agents would be happy to assist you and provide you a free quote comparison.
Liberty National Medigap Plan F High Deductible
With Liberty National’s Medicare supplement Plan F high deductible, you get the same level of coverage as regular Plan F, but coverage will turn on only after you reach your out-of-pocket medicare expenses for the year. The deductible for 2021 is $2,800.
With a high deductible plan, your monthly premiums are much lower. This plan is great for someone that may not need as many medical expenses but would like a comprehensive plan.
If you have any questions about high deductible Plan F, give us a call at 800-208-4974.
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Liberty National Life Insurance Company Medicare Supplemental Insurance Plan N
Medicare supplement Plan N is one of the affordable plans, however, it does not provide full coverage. Policyholders will still need to pay $20 copay for doctors or specialist visits and $50 for emergency room usage. Plan N will cover 100% of Medicare Part B coinsurance costs.
Here are some of the highlights of Medigap Plan N:
- Part A hospital coinsurance
- Hospice care
- Part A deductible
- Preventative care
- First 3 pints of blood
- Skilled nursing
Even though Plan N doesn’t cover Part B excess charges or Part B deductibles, it still provides other coverage you may need to greatly reduce medical costs. To learn more about Plan N or to sign up, call us at 800-208-4974.
Our Expert Suggestion
Liberty National has a long history of providing clients with best in class Medicare supplement services. They not only have a robust customer service system that makes it easy for folks to claim their benefits, but they also provide competitive rates that make it affordable for many to purchase their plans. We recommend that folks highly consider Liberty National as their provider. However, if you would like to compare rates and plans, we recommend that you speak with an insurance agent that can help you do that and save you from confusion.
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At Bluewave Insurance we are dedicated to helping seniors with their Medigap journey. Give us a call at 800-208-4974 for a free consultation and quote comparison.
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