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Questions and Answers
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Questions and Answers


My spouse has Major Medical Insurance that terminates at age 65 and she will be 65 this year. If she has a Pre-existing Condition, can she enroll in a Medicare Supplement Insurance Plan and will it cover her condition?
Yes to both questions! Your spouse can apply for a Medicare Supplement Insurance Plan when she is enrolled in Parts A and B of Medicare. Our Medicare Supplement Insurance Plans waive the Pre-existing Condition Limitation if you are replacing a Medicare Supplement or primary hospital and medical reimbursement coverage that you have had for six or more months (three months in MN, WA and WY).


What happens to my spouse's coverage if I die?

A covered spouse may continue in the program even after the death of the member.


Do I have to pay my bill monthly?

You may have several other options to choose from. 1) You may request a Quarterly (every 3 months), Semi-Annual (every 6 months) or Annual (once a year) billing; 2) You may pay your premium payments electronically from your bank (a service that we and most banks provide at NO CHARGE to you); OR 3) Credit Card billing is also available. If you are interested in any of these options, please call a Customer Service Representative at 1-800-752-9797 for more information.


There is a new Medicare Advantage plan advertising in my area and I am thinking of joining. Why should I stay with you?

Whether or not a Medicare Advantage plan is good for you depends on a number of factors. You may want to consider the following questions: will I feel comfortable with the network facility and their providers; do I know anyone who uses the Medicare Advantage plan and is pleased with their services; will a specialist be available to me if I need one; if I go outside the network for services am I responsible for all the costs; and if I travel or have a summer home does the network accommodate me? With your current Medicare Supplement Policy you choose your own provider and care facilities.


Why does my premium increase?

We wish we didn't have to increase your premiums at all; however, there are a number of factors that go into calculating Medicare Supplement premium rates. Each year, we review the Medicare Supplement premium rates for insureds in the state where your certificate or policy was issued. Your premiums are calculated based on the annual benefit changes to the Medicare Program, the costs of medical care and the total claim experience for all insureds (in your issue state) with your plan of coverage. All rate changes are filed with and approved by your state insurance department.


At what age does the policy cancel you out?

There is no age where you are "canceled out" of the plan. Your coverage cannot be cancelled individually regardless of your age as long as you pay your premiums when due.