At Bluewave Insurance we are proud to present our customers with Gerber Life Medicare supplement plans. They have affordable options that will suit most Medicare-eligible folks. Give us a call at 800-208-4974 to learn more or sign up.
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Gerber Life Company History & Details
Over the past five decades, Gerber Life has emerged as a leading provider of insurance products for children and adults. Emphasizing on helping its customers achieve financial security, Gerber Life currently has over 3 million active policies.
To further facilitate its clients in obtaining the best care they can get, Gerber Life also offers a number of Medicare Supplement plans, reducing the cost of medical care and making quality healthcare accessible and more affordable.
Under a Medicare Supplement plan from Gerber Life, you can receive coverage for medical and hospital-related expenses, up to a certain limit. In addition, you may receive some benefits, which are not otherwise available under Medicare.
No! You have the freedom to select the location where you will receive treatment as well as the practitioners who will treat you, ensuring you do not have to settle for any practitioner selected by the plan provider.
Yes, with Gerber Life Medicare supplement plans expect your rate to increase over time. Rates increase at a state level and many different factors effect the rate increase. We recommend that folks speak with a licensed insurance agent to find the best rate in your state.
Gerber Life Insurance Rating and Financials
They have been rated A (Excellent) by A.M. Best, a rating that signifies their outstanding performance in the field. They received this rating because they continue to grow year over year and they have demonstrated robust balance sheets. Their financial strength rating is also an A, and they have 1.5 billion in assets.
Medicare Supplement Plans Offered By Gerber Life
|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|
There are 10 Medicare Supplement plans available. Each of these plans is regulated by the Center for Medicare Services, and the coverage you receive under each plan is the same in all states, except for Wisconsin, Minnesota, and Massachusetts. Note, that even if you move to another state, your Medicare coverage can still follow you!
Learn more: Moving With Medicare: How To Keep Your Coverage
Here, we will review the three most popular plans offered by Gerber Life under the Medicare Supplement program, namely Plan F, Plan G, and Plan N.
Gerber Life Medicare Supplement Plan F
Gerber Life Plan F is unlike any other plan. This plan covers 100% of the gaps that Original Medicare doesn’t cover. Plus it covers the Part B deductible of $226. The premium, however, is much higher compared to all the other plans, but it gives you peace of mind if any unexpected medical expenses arise.
Here are some of the coverage highlights of Plan F:
- Hospitalization copays and coinsurance
- Up to 100 days of coverage for skilled nursing facilities
- Emergency medicare care while abroad
Plan F offers much more like 365 additional days of coverage after Original Medicare and other Medicare-approved expenses and services. This plan is great for folks that want all around protection or frequent the doctors office often.
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Gerber Life Medigap Plan G
The features of Plan F are virtually identical to Gerber Life Medicare Supplement Plan G. Plan G is among the most comprehensive of the 10 plans offered by the company. Plan G covers all expenses left over by Original Medicare, the only benefit that is not covered in the Part B deductible.
This deductible is $226 for the year. Plan G is a great option over Plan F in many cases. The premium difference between F and G almost always covers the $226 benefit difference. In addition, the rate increases are much less on Plan G.
You can read our explanation on why we like Plan G here.
Gerber Life Insurance Company Medigap Plan N
The Medicare Supplement Plan N offered by Gerber Life does not cover the Medicare Part B deductible and there are co-payments for office visits. However, similar to Plan F and Plan G you get 100% coverage when it comes to the Part A deductible, skilled nursing facility coinsurance, and many other hospital-related benefits.
If you want a leaner plan that provides optimal care and value, we recommend that you look into Plan N. Please note that the premiums for these three Medicare Supplement insurance products from Gerber Life are higher when compared to the other carriers.
Take a look at other popular Medicare supplement carriers like GPM Health and Life on or Aetna on our reviews page.
Although Gerber Life is a great overall insurance company, the Medicare supplement plans they offer are not competitive in price. Because Medicare Supplement plans are standardized, all carriers must offer the exact same plans with identical benefits.
For example, a Gerber Life Plan F in Texas can be $100 more per month than a Plan F with New Era Life. You would be overpaying by about $1,200 for the exact same plan and coverage!
It is important to see all of your options to ensure you don’t end up overpaying for your coverage.
thumbIf you are researching and comparing Medicare Supplement options please give us a call at (800) 208-4974 and allow me to show you all of your options free of charge.
Gerber Life Review
Contact us at (800) 208-4974 for a free Medicare supplement quote!
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.