Loyal American Medicare Supplement

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Loyal American Medicare Supplement

Loyal American is a respected Medicare Supplement company. They are one of the many insurers that we use at REMEDIGAP. We’re proud to offer them to our clients because they offer very competitive rates and are financially strong. Let’s look more closely at the Loyal American Life Insurance Co and their Medicare Supplement plans.

About loyal american life insurance company

The Loyal American Life Insurance Company is a subsidiary of Cigna Health Group.  Based in Austin, Texas, Loyal American got their start in 1955. They’ve been a top carrier for insurance plans for over 60 years.

Loyal American Life Insurance Ratings

Cigna and their subsidiary Loyal American currently exhibit strong financial ratings from A.M. Best and other major rating agencies:

  • A.M. Best: A
  • Standard & Poor’s: A
  • Moody’s: A2
  • Fitch: A

Loyal American Medicare Supplement Reviews

Here are a few features of a Loyal American Medicare Supplement:

  • 30-day “free look period”
  • Guaranteed renewable health insurance coverage
  • National coverage: go to any hospital, see any doctor or specialist that accepts Medicare
  • Initial 12-month rate is locked in
  • Most Medigap plans have some foreign travel coverage

What are the advantages with buying Loyal American Medicare plans?

  • You won’t be surprised with a membership or association fee
  • Access to Cigna’s Healthcare 24-hour Health Information Line
  • Access to MyPolicyHQ.com
  • Fast electronic claims process

Loyal American Medigap Plans

Loyal American offers several Medicare Supplement plans to consumers. We’ll review the most popular Medigap plans that they offer and go over their benefits.

As of January 1, 2020, Plans C, F and High Deductible F cannot be sold to those newly eligible for Medicare. Newly eligible is defined as anyone who: (a) attains age 65 on or after January 1, 2020

Medicare

Loyal American Medicare Supplement Plan F

Loyal American Medicare Supplement Plan F: Medigap Plan F is has been the most popular for quite some time. It’s the most simple to understand and it has the most coverage when comparing plans. With Loyal American Plan F, you’ll hardly ever run into any situations where you’ll spend out of pocket towards your Medicare Part A or Part B services.

Loyal American Medicare Supplement Plan G

Loyal American Medicare Supplement Plan G has been the second most popular Medigap plan, but it’s gaining ground quickly. Plan G gives you all of Plan F coverage benefits with the only exception being your Medicare Part B deductible. It’s a great plan for shoppers who simply want to save some money when they personally cut the check for their Part B deductible (instead of the plan paying like Plan F).

Loyal American Medicare Supplement Plan N

Loyal American Medicare Supplement Plan N rounds out the top 3.  Plan N has recently become pretty popular due to its balance of affordability and benefits. Plan N provides great value, but the insured has a few more responsibilities such as a $20 copay for office visits to your doctor and a copayment for ER visits (up to $50).

loyal american medicare supplement Benefits

It’s always a good idea to see what benefits you’re getting with your Medicare Supplement. Here is a breakdown of Part A and B services; what Medicare pays; what your plan pays and what you’ll be responsible for.

Medicare Supplement Plan F Benefits

Part A

ServicesMedicare PaysThis Plan PaysYou Pay
Hospitalization
First 60 DaysAll But $1408$1408 (Part A Deductible)$0
61st Through 90th DayAll But $352 a Day$352 a Day$0
91st Day and After (60 Reserve Days)All But $704 a Day$704 a Day$0
After Reserve (Additional 365 Days)$0100% of Eligible Expenses$0
Beyond the Additional 365 Days$0$0All Costs
Skilled Nursing Facility Care
First 20 DaysAll Approved Amounts$0$0
21st Through 100th DayAll But $176.00 a DayUp to $176.00 a Day$0
101st Day and After$0$0All Costs
Blood
First Three Pints$0100%$0
Additional Amounts100%$0$0
Hospice Care
You must meet Medicare’s requirements, including a doctor’s certification of terminal illnessAll but very limited copayment / coinsurance for outpatient drugs and inpatient respite careMedicare copayment / coinsurance$0

Part B

ServicesMedicare PaysThis Plan PaysYou Pay
Medical Expenses
1st $198 of Approved Amounts$0$198 (Part B Deductible)$0
Remainder of Approved AmountsGenerally 80%Generally 20%$0
Part B Excess Charge$0100%$0
Blood
First Three Pints$0100%$0
Next $198 of Approved Amounts$0$198 (Plan B Deductible)$0
Remainder of Approved AmountsGenerally 80%Generally 20%$0
Clinical Laboratory Services
Tests for Diagnostic Services100%$0$0
Foreign Travel
1st $250 each calendar year$0$0$250
Remainder of Charges up to a lifetime maximum of $50,000$080%20%

Medicare Supplement Plan G Benefits

Part A

ServicesMedicare PaysThis Plan PaysYou Pay
Hospitalization
First 60 DaysAll But $1408$1408 (Part A Deductible)$0
61st Through 90th DayAll But $352 a Day$352 a Day$0
91st Day and After (60 Reserve Days)All But $704 a Day$704 a Day$0
After Reserve (Additional 365 Days)$0100% of Eligible Expenses$0
Beyond the Additional 365 Days$0$0All Costs
Skilled Nursing Facility Care
First 20 DaysAll Approved Amounts$0$0
21st Through 100th DayAll But $176.00 a DayUp to $176.00 a Day$0
101st Day and After$0$0All Costs
Blood
First Three Pints$0100%$0
Additional Amounts100%$0$0
Hospice Care
You must meet Medicare’s requirements, including a doctor’s certification of terminal illnessAll but very limited copayment / coinsurance for outpatient drugs and inpatient respite careMedicare copayment / coinsurance$0

Part B

ServicesMedicare PaysThis Plan PaysYou Pay
Medical Expenses
1st $198 of Approved Amounts$0$0$198 (Part B Deductible)
Remainder of Approved AmountsGenerally 80%Generally 20%$0
Part B Excess Charge$0100%$0
Blood
First Three Pints$0100%$0
Next $198 of Approved Amounts$0$0$198 (Plan B Deductible)
Remainder of Approved AmountsGenerally 80%Generally 20%$0
Clinical Laboratory Services
Tests for Diagnostic Services100%$0$0
Foreign Travel
1st $250 during 1st 60 days$0$0$250
Remainder of Charges up to a lifetime maximum of $50,000$080%20%

Medicare Supplement Plan N Benefits

Part A

ServicesMedicare PaysThis Plan PaysYou Pay
Hospitalization
First 60 DaysAll But $1408$1408 (Part A Deductible)$0
61st Through 90th DayAll But $352 a Day$352 a Day$0
91st Day and After (60 Reserve Days)All But $704 a Day$704 a Day$0
After Reserve (Additional 365 Days)$0100% of Eligible Expenses$0
Beyond the Additional 365 Days$0$0All Costs
Skilled Nursing Facility Care
First 20 DaysAll Approved Amounts$0$0
21st Through 100th DayAll But $176.00 a DayUp to $176.00 a Day$0
101st Day and After$0$0All Costs
Blood
First Three Pints$0100%$0
Additional Amounts100%$0$0
Hospice Care
You must meet Medicare’s requirements, including a doctor’s certification of terminal illnessAll but very limited copayment / coinsurance for outpatient drugs and inpatient respite careMedicare copayment / coinsurance$0

Part B

ServicesMedicare PaysThis Plan PaysYou Pay
Medical Expenses
1st $198 of Approved Amounts$0$0$198 (Part B Deductible)
Remainder of Approved AmountsGenerally 80%Balance, Other than CopaysUp to $20/$50 Copays, Emergency visit copay waived if admitted
Part B Excess Charge$0$0All Costs
Blood
First Three Pints$0100%$0
Next $198 of Approved Amounts$0$0$198 (Plan B Deductible)
Remainder of Approved AmountsGenerally 80%Generally 20%$0
Clinical Laboratory Services
Tests for Diagnostic Services100%$0$0
Foreign Travel
1st $250 each calendar year$0$0$250
Remainder of Charges up to a lifetime maximum of $50,000$080%20%

Other Loyal American Insurance Products

Cigna supplemental plans that are insured by Loyal American Life include;

  • Accident expense insurance
  • Heart attack and stroke insurance
  • Cancer insurance
  • Whole life insurance

Our recommendation

Loyal American is a solid Medicare Supplement carrier who is financially strong and offers competitive rates. REMEDIGAP is a licensed national broker and appointed to sell Medigap plans from the best companies in the country, including Loyal American.

What the next step?

Always compare rates, plans and companies. If you want to be confident about your Medigap plan options with Loyal American Medicare supplements or any of the other carrier, contact us today.

  1. Compare Plans – Get free quotes and expert assistance comparing current rates for popular plans from the top rated Medicare Supplement companies. Simply call call us at (800) 411-1329 or get online quotes here.
  2. Questions? – Do you have some general questions about Loyal American or Medicare? Reach us at (800) 411-1329. 
  3. Learn –  Make sure to subscribe to our free Medicare e-Course. Get easy to understand daily email lessons. Sign up here
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