Bluewave Insurance is proud to provide our clients with Shenandoah Life Insurance Medicare supplement products. Call us at 800-208-4974 for a free quote today.
Company History and Background
Located in Roanoke, Virginia, Shenandoah Life Insurance Company has been providing insurance services for over 100 years in the U.S. since its founding in 1916. Shenandoah Life is part of the Prosperity Life Group and daughter companies include: S.USA Life Insurance company and SBLI USA Life Insurance company.
Shenandoah Life Insurance is currently available in 31 states in the US including the District of Columbia. To find out if your state offers Shenandoah Medicare supplement insurance, contact Bluewave Insurance at 800-208-4974 to speak with one of our trusted insurance agents.
Shenandoah Life Insurance Financial Review & Ratings
According to A.M. Best Rating Services, Shenandoah Life Insurance currently has an A- (Excellent) rating. This rating is important because it shows financial stability and growth. They also have a strong balance sheet and have access to over $2.5 billion in assets. In addition, they have over $15 billion in life insurance available for 300,000 insurance policies.
Shenandoah Life Medicare Insurance Supplemental Products
|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|
Shenandoah Life offers a variety of Medicare Supplement insurance. In addition, it’s important to note that Shenandoah Medicare supplement policies are guaranteed renewable each year. However, it only covers one person, so if you are married, your spouse is recommended to purchase a separate policy.
Here are just a few reasons why Shenandoah insurance company stands out above the rest:
- Easy online application or paper applications
- Household discount
- Competitive Premiums
- Excellent service and support
The best time to apply for the Shenandoah Medicare supplement is during your “Medicare Supplement Open Enrollment.” This starts the first day of the month that you celebrate your 65th birthday (or start Medicare Part B) and this period closes six months after. For example, if your birthday is January 10th, Open Enrollment would begin January 1st and end July 1st.
Currently these states provide Shenandoah Medicare supplement plans: Arizona, Delaware, Kansas, Michigan, Missisippi, North Carolina, Nebraska, New Jersey, New Mexico, Ohio, Oklahoma, and Virginia.
Depending on which state you reside, Medicare Supplement Plan F could cost between $128-$273 per month. Contact us for a personalized quote at 800-208-4974.
Shenandoah Life Medigap Plan F
Shenandoah Life Medigap Plan F may be the plan for you when it comes to comprehensive healthcare. This plan covers 100% of all the basic benefits as well as skilled nursing facilities, Part B excess charges and even foreign travel emergencies.
Plan F remains to be probably the most expensive Medigap plan option but is the most popular among Medicare beneficiaries. In result, it leaves policy holders with the least out-of-pocket expenses by covering hospital and doctor visits that Original Medicare does not cover.
Here are some highlights of Medigap Plan F:
- Part A Deductible
- Part B Deductible
- Preventative care Part B co-insurance
- Part B copay
- Part A hospice care
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Shenandoah Life Insurance Medicare Supplement Plan G
With Shenandoah Life Medigap Plan G, this plan is similar to Plan F and offers a variety of benefits for policyholders who pay a small annual deductible. After the small deductible is paid ($226 for the year), then Plan G gives full coverage for all the services that Original Medicare (Parts A & B) cannot cover. In addition, it also covers copays, coinsurance, and hospital deductibles.
Currently, Shenandoah Medicare Supplement Plan G covers Original Medicare except for outpatient deductible. Here are a few important points on why you should get Medigap Plan G:
- Blood (first 3 pints)
- Medicare Part A coinsurance
- Hospital costs
- Medicare Part A
thumbIf you’re wondering if Plan G is the Medicare supplement for you, contact us at 800-208-4974 to speak with an expert insurance agent.
Shenandoah Life Medicare Supplement Plan N
Shenandoah Medicare Supplement Plan N is a unique plan that covers all of Medicare Part B coinsurance costs. However, the only requirement is a $20 copayment for doctors office visits (or up to $50 for emergency room visits).
Plan N also does not cover Part B excess charges which are additional costs doctors may charge that Original Medicare does not cover. In addition, Plan N does not cover Part B charges until the Part B annual deductible is met.
Even though Plan N has a lower monthly premium, it may result in out-of-pocket costs to cover additional health expenses.
Here are a few ways Plan N covers out-of-pocket costs:
- Medicare Part A hospital coinsurance
- Hospice care
- Part A deductible
- Skilled nursing facility
- Up to 80% of Foreign travel emergency
What does Medigap not cover?
Even though Shenandoah Medicare Supplements offer a world of benefits, it doesn’t cover everything. Medicare and Medigap does not cover these out-of-pocket expenses:
- Dental care
- Vision care
- Private nursing
- Hearing aids
To learn more on what Medigap covers, contact one of out agents at 800-208-4974 to learn more.
Our Expert Agency Advice
At Bluewave Insurance we are confident that Shenandoah Life Insurance can provide solid Medicare Supplement plans for our clients. Not only do they have a variety of Medigap options, but they also have a strong financial background that provides stability and reassurance for policyholders.
They also have a very easy to use electronic application (e-app) which can be completed in a matter of minutes.
thumbIf you are interested in moving forward with Shenandoah Medicare supplements or if you want a free quote comparison, call us at 800-208-4974 today!
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