Western United Life Medicare Supplement

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Western United Life Medicare Supplement

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Western United Life

Western United Life Medicare Supplement have been really popular recently. REMEDIGAP is an independent insurance broker, and Western United Life Medicare Supplement plans are one of the Medigap plans we represent. We have a lot of experience with this dependable insurance company.

In this article we’ll discuss:

Western United Life Medicare Supplement

About Western United Life

Manhattan Life, Western United Life’s parent company, was founded over a century ago in 1850. As a member of the Manhattan Life group companies, Western United Life Assurance Company has been in business since 1963 and provide excellent customer service and insurance products.

Western United Life Ratings

The Western United insurance company has received positive reviews from the following rating organizations.

  • A.M. Best: B+
  • Better Business Bureau: A+

These ratings show Western United Life’s financial strength is good. The outlook for all ratings is stable.

Western United Life Details

DETAILS RATING
A.M. Best Rating: A+
Better Business Bureau: A+
Phone: 1-800-877-7703
Address: P.O. Box 925989, Houston, Texas 77292-5989
Website: https://www.manhattanlife.com/

Western United Life Medicare Supplement Reviews

With a Medicare Supplement policy from Western United Life you’ll get:

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

What are the advantages of working with Western United Life?

  • 7% household discount (where available)
  • Fast and simple electronic application
  • Shoppers won’t need email to use their e-app
  • Policies issued quickly
  • Excellent customer service and claims support

Western United Life Medicare Supplement Plans

Western United Life Medicare plans and products will vary by state. They sell all the popular plans like Plan F, G, and N. REMEDIGAP will gladly quote this Medigap plan in your area. We’ll look to see how prices compare with the other big-name carriers like Aetna, & Mutual of Omaha

How much do Western United Life medicare supplement plans cost?

Premiums for Western United Life Medicare supplement plans vary depending on a several factors. These can include your location, gender, age, tobacco use and your health. To get an idea of accurate rates of the most popular Medigap plans F, G, and N we can provide you a custom quote. Get started by clicking on "GET QUOTES" on this page.

Western United Life Medicare Supplement Plan F

Medicare Supplement Plan F: Plan F is very popular because it offers the most coverage. It pays for most of your medical care and procedures that are not covered by Original Medicare. These gaps in Medicare include deductibles, excess charges, hospice, blood, skilled nursing, as well as an 80% foreign travel emergency care (check plan limits). With Plan F, you’ll typically have no out of pocket spending towards your Part A or B services.

Medigap Plan F Coverage

Medicare Supplement Benefits Plan F Covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used Yes
Medicare Part B coinsurance or copayment Yes
Blood (first 3 pints) 3 Yes
Part A hospice care coinsurance or copayment Yes
Skilled nursing facility care coinsurance Yes
Part A deductible Yes
Part B deductible Yes
Part B excess charges Yes
Foreign travel emergency (up to plan limits) Yes

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

Western United Life Medicare Supplement Plan G

Medicare Supplement Plan G: Works exactly like Medigap Plan F, except for 1 feature. You must pay the Part B deductible. Plan G premiums typically cost less than Plan F, which makes Plan G an excellent value.

Plan G Coverage

Medicare Supplement Benefits Plan G Covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used Yes
Medicare Part B coinsurance or copayment Yes
Blood (first 3 pints) 3 Yes
Part A hospice care coinsurance or copayment Yes
Skilled nursing facility care coinsurance Yes
Part A deductible Yes
Part B deductible Yes
Part B excess charges Yes
Foreign travel emergency (up to plan limits) Yes

Western United Life Medicare Supplement Plan N:

Medicare Supplement Plan N: Plan N has become very popular. All of your coverage gaps are covered except for your Part B deductible, excess charges and you also pay a copay at the doctor and emergency room.

Western United Life Medicare Supplement Benefits

See the chart below for the full details of each of the most popular Medicare Supplement plans.

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%

State Availability

Western United Life Medicare Supplements are available in many states across the US. They offer Medicare Supplement plans in:

  • Alabama
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Mississippi
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas 
  • Utah
  • West Virginia
  • Wyoming

Western United Life Medicare Supplement Rates

Price is very important and Western United Life provides very competitive rates across the country. Get the most current rates by using our Medigap quoter. Remember that Medicare Supplement prices differ depending on things such as your age, location and gender.

Our Recommendation

Overall we recommend Western United Life for Medicare supplement plans. The reason is simple. They are a good insurance company that is backed by a strong parent company; the Manhattan Life Group.

What To Do Now?

For help reviewing your Medigap plan options for Western United Life Medicare supplements or any other insurance company, contact us today.

  1. Get quotes – We can provide you with current rates for all of the popular Medigap plans from the top Medicare Supplement companies. Give us a call at (800) 411-1329 or use our online quoter here.
  2. Questions? – Do you have some general questions about Medicare or Western United Life? Call us at (800) 411-1329. For Western United insurance claims, call their customer service at (800) 877-7703.
  3. Learn –  Make sure to subscribe to our free e-Course. Get simple to understand Medicare lessons sent directly to your email. Sign up here

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