2015 Medigap Rate Guide - California Department …...DIFP Jay Nixon Governor John M. Huff Director Department of Insurance, Financial Institutions & Professional Registration For

DIFPJay NixonGovernor

John M. HuffDirector

Department of Insurance, Financial Institutions & Professional Registration

For ages under 656570 75 80

2015Missouri

Medigap Rate Guide

Page 369

1215

ONLINE RATES: Find the most current rates at

insurance.mo.gov/ consumers/seniorsClick on “Medigap (Medicare Supplement) insurance.”

AUGUST

http://insurance.mo.gov/consumers/seniors/medsupp/SnMedigap.php

http://difp.mo.gov/

2 MISSOURI MEDIGAP RATESdifp.mo.gov

What column headings, notes indicate in Medigap insurance rate charts

During initial open enrollment, no one can be rejected for a Medigap policy

Premiums are annual and for the age noted at the top of each chart. Note: These are average rates for a nonsmoking woman. Open enrollment rates are the lowest available rates. If you do not join during your initial open enrollment period, then you are subject to underwriting and could be rejected or face higher rates. For example, if you smoke you won’t be charged a higher rate during open enrollment. However if you join later, you could be charged a higher rate.

Initial open enrollment

period is usually

best time to enroll in plan

Medigap rates are current as of Aug. 26, 2015. Check insurance.mo.gov for updates.

Complaints made against Medigap companies: See page 18.

The initial open enrollment period lasts six months from the date your Medicare Part B takes effect. After this period, you can still apply for a Medigap policy, but you may be subject to underwriting. The insurer has the right to reject your application.

LOWER COST Buying a plan during any initial open enrollment period qualifies you to receive the company’s lowest rates for your plan.

CHARTS SHOW AVERAGE RATES The rate charts show average Missouri rates for a nonsmoking woman for each insurer. Depending on such factors as your location, gender and whether you smoke, the rates could be higher or lower.

(S)=Select plan: A few Medigap policies are called “select” plans. Similar to an HMO, they require you to go to specific hospitals and, in some cases, specific doctors for covered services, but the benefits are the same as those in other plans. The rates for these plans are usually lower than regular Medigap policies. Select plans are not available in all parts of Missouri.

(GI)=Guaranteed issue plan: Companies with a guaranteed issue plan cannot deny you a policy because of health status, claims experience, receipt of medical care or medical condition; nor impose a pre-existing condition limitation. Guaranteed issue plans may cost more.

Underwritten plan: Insurance companies figure out how risky it is to insure you. Underwriters decide what coverage you qualify for and what rates you should pay, or even whether to accept your application based on your health.

(GRP)=Group plan: You must be a member of a specific group to be eligible for these rates.


3difp.mo.gov

Depending on various factors, your rates can be higher than these listed.

GI=guaranteed issue. Company cannot deny you a policy because of health status.

S=Select: Must use specific hospitals and sometimes specific doctors to get full benefits.

GRP=group policy. Usually costs less.

MISSOURI MEDIGAP RATE GUIDE

$

Rates as of August 26, 2015Get updates at insurance.mo.gov

Company BA C D F Fhigh G K L M NPlans

$ $ $ $ $ $ $ $ $ $American Continental Ins. Co.

American Republic Corp Ins. Co.

American Republic Ins. Co.

American Retirement Life Ins. Co.

Bankers Fidelity Life Ins. Co.

Blue Cross and Blue Shield of KC

Blue Cross and Blue Shield of KC (S)

Christian Fidelity Life Ins. Co.

Colonial Penn Life Ins. Co.

Combined Ins. Co. of America

Conseco Life Ins. Co.

Constitution Life Ins. Co.

Constitution Life Ins. Co. (S)

Equitable Life & Casualty Ins. Co.

Family Life Ins. Co.

First Health Life & Health Ins. Co.

Gerber Life Ins. Co.

Globe Life and Accident Ins. Co.

Government Personnel Mutual Life Ins. Co.

Healthy Alliance Life Ins. Co.

Heartland National Life Ins. Co.

Humana Ins. Co.

2,495

1,824

1,560

1,723

1,572

1,740

1,918

2,268

1,760

2,064

2,436

2,276

1,761

1,796

2,352

1,260

1,967

1,351

2,308

2,021

3,227

1,764

3,192

2,142

2,235

1,836

1,998

2,580

2,196

2,834

2,638

2,160

2,893

2,933

3,312

2,556

2,183

3,179

3,498

2,448

2,220

2,335

2,805

2,604

2,208

3,300

1,975

2,738

3,804

2,964

3,908

2,538

2,693

3,471

2,262

2,943

2,712

3,390

2,808

1,133

720

828

672

612

558

789

2,023

2,011

2,316

2,673

2,304

3,600

2,580

2,152

2,128

2,511

2,680

2,084

3,151

1,272

1,152

1,080

1,204

1,584

2,088

1,662

2,268

2,022

2,844

2,534

1,746

2,136

1,764

2,287

1,728

1,783

3,108

2,112

2,462

1,777

1,984

1,856

2,087

2,484

1,732

AGE UNDER 65 MEDIGAP RATES


4difp.mo.gov






$



$ $ $ $ $ $ $ $ $ $Individual Assurance Co., Life, Health & Accident

Liberty National Life Ins. Co.

Loyal American Life Ins. Co.

Medico Corp Life Insurance Co.

Medico Ins. Co.

Mutual of Omaha Ins. Co.

Old Surety Life Ins. Co.

Oxford Life Ins. Co.

Pekin Life Ins. Co.

Physicians Mutual Ins. Co.

Reserve National Ins. Co.

Standard Life and Accident Ins. Co.

State Farm Mutual Automobile Ins. Co.

State Mutual Ins. Co.

Sterling Investors Life Ins. Co.

Sterling Life Ins. Co.

Sterling Life Ins. Co. (S)

Stonebridge Life Ins. Co.

Thrivent Financial for Lutherans

Transamerica Life Ins. Co.

United American Ins. Co.

1,168

898

1,046

2,688

4,099

2,549

2,334

3,381

2,423

1,796

1,919

2,496

3,539

4,940

2,732

3,082

4,614

3,258

2,572

2,404

2,271

3,000

2,883

2,166

2,092

2,671

3,521

2,367

2,099

2,844

2,331

3,192

2,643

2,172

3,088

2,626

1,931

2,565

3,183

3,042

2,769

3,200

2,741

3,159

4,375

2,797

1,930

2,224

2,673

2,284

3,012

636

804

1,347

781

798

388

1,242

1,753

813

732

1,923

2,278

2,436

2,745

2,259

2,787

4,207

2,715

3,647

2,546

1,742

2,023

2,373

2,098

2,856

1,440

1,552

2,602

2,405

2,225

1,953

1,911

1,631

2,544

2,121

2,121

1,781

2,077

2,007

1,752

2,211

2,047

1,849

1,279

1,715

1,797

2,352

1,888

1,824

1,841

1,704

2,120

1,996

1,199

1,707

2,216

2,159

2,284

3,601

1,815

2,184

2,000

2,194

1,927

1,317

1,616

1,454

1,608







5 MISSOURI MEDIGAP RATE GUIDEdifp.mo.gov

$



$ $ $ $ $ $ $ $ $ $United Commercial Travelers of America

United Healthcare Ins. Co.

United National Life Ins. Co. of America

United Teacher Associates Ins. Co.

USAA Life Ins. Co.

Western Catholic Union

852

2,141

1,941

1,859

2,200

2,297

1,949

2,541

2,349

2,935

2,297

2,438

2,202

803

2,042

2,062

2,616

2,004

1,733

1,768

1,284

1,938

1,592

2,632

1,701

1,401

2,665

2,379

2,246

1,780

1,815

2,055

1,608

1,891

1,563



6difp.mo.gov






$
























Humana Ins. Co.

2,059

1,560

1,356

1,723

1,332

1,584

1,891

2,112

1,523

1,702

2,124

1,919

1,765

1,555

1,988

1,188

1,655

1,336

2,007

1,782

2,596

1,596

2,244

2,146

1,835

1,704

1,939

2,340

1,980

2,230

2,480

2,064

2,434

2,320

2,484

1,968

2,115

2,605

2,970

2,100

1,944

2,084

2,472

2,364

2,004

2,856

1,909

2,416

3,156

2,304

3,194

2,585

2,174

2,941

2,202

2,476

2,365

2,898

2,367

1,058

648

780

612

528

540

747

1,740

1,829

1,932

2,124

2,916

2,112

1,968

2,153

2,008

2,298

1,754

2,648

1,020

936

852

1,025

1,344

1,632

1,457

2,088

2,027

2,431

2,094

1,480

1,932

1,596

1,570

1,572

1,636

2,064

1,656

2,082

1,810

1,567

1,561

1,586

2,053

1,614

AGE 65 MEDIGAP RATES


7difp.mo.gov






$







Medico Ins. Co.




Pekin Life Ins. Co.













1,055

751

898

2,508

3,556

2,146

1,986

2,416

1,920

1,796

1,649

2,388

3,416

4,285

2,444

2,589

3,815

2,533

2,077

2,195

1,950

2,796

2,883

2,139

1,920

2,248

2,938

2,195

1,803

2,640

2,041

2,880

2,255

1,860

3,088

2,309

1,807

1,981

3,007

2,900

2,673

2,934

2,468

2,690

3,750

2,421

1,830

1,851

2,518

1,962

2,808

540

684

1,273

747

770

354

1,058

1,573

760

660

1,683

2,019

2,119

2,589

2,229

1,544

2,455

2,289

3,015

2,197

1,634

1,684

2,199

1,802

2,652

1,440

1,333

2,602

2,026

1,873

1,807

1,642

1,429

2,256

1,836

2,121

1,398

1,874

1,937

1,527

1,882

1,743

1,627

1,182

1,428

1,544

2,172

1,653

1,728

1,841

1,452

2,016

1,755

897

1,682

2,139

1,848

2,204

3,123

1,621

1,836

1,700

2,016

1,785

1,096

1,518

1,249

1,548








$







USAA Life Ins. Co.


1,709

1,713

1,626

1,791

1,951

1,704

2,120

2,109

2,536

2,015

2,028

1,869

742

1,801

2,062

2,221

1,760

1,470

1,465

1,155

1,695

1,392

2,162

1,443

1,167

2,045

2,085

1,958

738

1,484

1,563

1,730

1,410

1,567

1,326



9difp.mo.gov






$
























Humana Ins. Co.

2,243

1,824

1,404

1,952

1,476

2,136

2,066

2,520

1,690

1,962

2,364

2,041

1,988

1,712

2,197

1,362

1,789

1,520

2,118

1,961

2,826

2,148

2,676

2,420

2,065

1,956

2,135

3,180

2,700

2,521

2,808

2,556

2,631

2,554

2,880

2,268

2,381

2,826

3,198

2,448

2,004

2,361

2,760

3,192

2,700

3,420

2,120

2,619

3,636

2,628

3,413

2,882

2,462

3,235

2,712

2,678

2,864

3,104

2,606

1,142

768

804

672

636

630

823

1,894

2,072

2,136

2,580

3,408

2,448

2,396

2,447

2,284

2,527

1,896

2,871

1,188

1,032

1,044

1,129

1,572

1,956

1,604

2,544

2,280

2,633

2,279

1,676

2,628

2,148

1,809

1,980

1,816

2,448

1,956

2,227

2,017

1,789

1,688

1,920

2,231

1,765



10difp.mo.gov






$







Medico Ins. Co.




Pekin Life Ins. Co.













1,211

842

1,129

2,904

3,942

2,414

2,234

2,774

2,152

1,967

2,072

2,628

5,116

4,751

2,860

2,923

4,026

2,886

2,321

2,405

2,452

3,180

3,092

2,376

2,088

2,531

3,193

2,405

2,267

3,024

2,202

3,468

2,385

2,172

3,299

2,454

2,092

2,242

3,308

3,190

4,003

3,253

2,889

2,998

4,034

2,758

2,045

2,089

2,768

2,466

3,192

696

804

1,399

881

1,153

393

1,179

1,693

833

780

1,817

2,142

2,263

2,853

2,483

1,759

2,721

2,604

3,276

2,511

1,829

1,901

2,417

2,266

3,036

1,575

1,676

2,808

2,278

2,108

1,986

2,064

1,541

2,772

1,962

2,316

1,608

2,088

2,901

1,693

2,100

1,942

1,865

1,325

1,611

1,941

2,508

1,784

1,932

1,881

1,704

2,132

1,865

1,107

1,829

2,283

2,012

3,301

3,463

1,896

2,069

1,916

2,260

1,989

1,237

1,672

1,570

1,656








$







USAA Life Ins. Co.


1,796

2,064

1,767

1,883

2,190

1,853

2,208

2,541

2,810

2,177

2,166

2,032

888

1,893

2,366

2,494

1,919

1,599

1,538

1,392

1,862

1,514

2,338

1,569

1,407

2,151

2,511

2,137

888

1,546

1,884

1,954

1,521

1,680

1,442



12difp.mo.gov






$
























Humana Ins. Co.

2,468

2,100

1,608

2,213

1,680

2,472

2,197

2,856

1,904

2,199

2,436

2,287

2,249

1,832

2,357

1,464

1,982

1,638

2,292

2,154

3,108

2,496

3,060

2,736

2,271

2,172

2,344

3,684

3,108

2,811

3,183

2,904

2,915

2,804

3,228

2,508

2,694

3,153

3,452

2,808

2,304

2,678

3,096

3,684

3,120

3,984

2,388

2,905

3,996

2,868

3,847

3,248

2,731

3,470

3,072

2,965

3,192

3,425

2,862

1,236

876

924

756

732

708

903

2,084

2,350

2,424

3,036

3,768

2,688

2,755

2,728

2,544

2,711

2,100

3,198

1,368

1,164

1,248

1,239

1,812

2,292

1,761

3,000

2,582

2,927

2,512

1,901

3,036

2,484

2,049

2,400

2,045

2,760

2,196

2,508

2,274

2,006

1,870

2,140

2,507

1,926



13difp.mo.gov






$







Medico Ins. Co.




Pekin Life Ins. Co.













1,343

907

1,375

2,916

4,344

2,732

2,529

3,056

2,300

2,118

2,523

2,628

4,347

5,235

3,161

3,310

4,440

3,174

2,491

2,593

2,985

3,360

3,403

2,737

2,301

2,864

3,621

2,593

2,759

3,204

2,497

3,672

2,599

2,496

3,613

2,778

2,286

2,504

3,588

3,592

3,401

3,585

3,193

3,378

4,527

3,032

2,194

2,418

2,987

3,002

3,360

804

924

1,516

1,105

980

433

1,329

1,898

900

876

2,060

2,348

2,587

3,103

2,870

1,993

2,999

2,903

3,714

2,772

1,968

2,199

2,608

2,758

3,216

1,695

2,041

3,120

2,578

2,386

2,142

2,513

1,748

2,976

2,152

2,592

1,834

2,413

2,465

1,866

2,366

2,190

2,066

1,428

1,864

2,363

2,676

2,023

1,932

1,934

1,836

2,280

2,111

1,303

1,960

2,384

2,140

2,805

3,816

2,096

2,340

2,167

2,417

2,109

1,432

1,796

1,911

1,656








$







USAA Life Ins. Co.


978

2,018

2,271

1,999

2,115

2,433

2,096

2,502

2,796

3,098

2,478

2,297

2,299

1,059

2,127

2,700

2,771

2,144

1,809

1,729

1,530

1,997

1,712

2,462

1,775

1,548

2,449

2,763

2,420

1,751

2,073

2,191

1,734

1,778

1,631



15difp.mo.gov






$
























Humana Ins. Co.

2,595

2,316

1,788

2,521

1,812

2,808

2,255

2,964

2,054

2,349

2,460

2,429

2,445

1,901

2,509

1,506

2,164

1,736

2,388

2,304

3,267

2,832

3,192

2,976

2,433

2,250

2,507

4,176

3,552

3,055

3,460

3,030

3,182

3,000

3,492

2,688

2,930

3,409

3,596

3,120

2,556

3,051

3,372

4,200

3,564

4,320

2,578

3,114

4,212

3,000

4,104

3,509

2,957

3,676

3,216

3,238

3,463

3,680

3,061

1,276

972

1,020

816

792

780

966

2,190

2,677

2,628

3,300

3,984

2,808

3,086

2,952

2,771

2,872

2,293

3,453

1,512

1,260

1,368

1,326

2,004

2,484

1,884

3,240

2,807

3,155

2,642

2,166

3,456

2,820

2,287

2,640

2,208

2,988

2,352

2,679

2,457

2,202

2,042

2,322

2,736

2,052



16difp.mo.gov






$







Medico Ins. Co.




Pekin Life Ins. Co.













1,508

972

1,621

2,916

5,217

2,972

2,750

3,381

2,423

2,247

2,974

2,628

4,725

6,287

3,161

3,600

4,674

3,515

2,653

2,752

3,519

3,480

3,670

3,070

2,763

3,115

3,903

2,752

3,253

3,336

2,828

3,840

2,802

2,760

3,883

3,183

2,490

2,719

3,822

3,968

3,697

4,305

3,193

3,649

4,844

3,356

2,336

2,646

3,170

3,539

3,492

900

1,020

1,618

1,303

1,065

520

1,435

2,031

955

960

2,333

2,544

2,992

3,314

3,227

2,235

3,602

3,139

3,998

3,089

2,103

2,407

2,766

3,252

3,348

1,796

2,406

3,375

2,805

2,594

2,274

2,962

1,980

3,156

2,361

2,827

2,029

2,713

2,679

2,241

2,555

2,336

2,315

1,531

2,040

2,786

2,808

2,291

1,932

1,962

2,160

2,383

2,419

1,466

2,004

2,455

2,236

3,048

4,582

2,096

2,545

2,355

2,550

2,194

1,567

1,903

2,253

1,656








$







USAA Life Ins. Co.


2,206

2,478

2,174

2,314

2,629

2,279

2,718

3,048

3,322

2,676

2,385

2,601

1,229

2,326

2,992

2,992

2,332

2,046

1,890

1,671

2,077

1,862

2,566

2,009

1,689

2,678

3,012

2,632

1,065

1,903

2,262

2,387

1,873

1,849

1,846



18

Complaint indexCompany

Missouri Medigap issuers: Complaint index for 2012-14

American Continental Insurance Co.

American Republic Corp Insurance Co.

American Republic Insurance Co.

American Retirement Life Insurance Co.

Bankers Fidelity Life Insurance Co.

Blue Cross & Blue Shield of Kansas City

Christian Fidelity Life Insurance Co.

Colonial Penn Life Insurance Co.

Combined Insurance Company of America

Conseco Life Insurance Co.

Constitution Life Insurance Co.

Equitable Life & Casualty Insurance Co.

Family Life Insurance Co.

First Health Life & Health Insurance Co.

Gerber Life Insurance Co.

Globe Life and Accident Insurance Co.

Government Personnel Mutual Life Insurance Co.

Healthy Alliance Life Insurance Co.

Heartland National Life Insurance Co.

Humana Insurance Co.

Individual Assurance Co., Life, Health & Accident

Complaints PhoneAverage market share

1.2%

1.1%

2.1%

0.0%

1.3%

5.8%

1.7%

1.2%

0.5%

0.0%

0.5%

1.5%

0.1%

NA

0.4%

0.2%

0.1%

14.4%

0.8%

1.2%

NA

800-264-4000

800-247-2190

800-247-2190

866-459-4272

866-458-7500

800-645-8346

866-641-9999 option 4

800-800-2254

800-544-5531

800-541-2254

800-934-8203

800-352-5170

800-877-7703

800-711-3576

855-258-2580

800-801-6831

866-800-5566

800-652-6387

877-431-7371

866-205-0000

888-524-3629

2

0

1

0

4

4

3

2

0

0

3

4

0

NA

0

1

0

10

1

10

NA

107

0

31

0

201

45

118

110

0

0

426

179

0

NA

0

348

0

45

86

554

NA

Besides rates, consider a company’s complaint index. This score helps you understand how many consumer complaints an insurer receives, compared to other companies its size.

What complaint index means100 score: Insurer gets average number of complaints. Below 100: Insurer gets fewer complaints than average.Above 100: Insurer gets more complaints than average.

NA = Company did not sell policies for all three years

Company

ComplaintsComplaint index PhoneCompany Average market share

19

Liberty National Life Insurance Co.

Loyal American Life Insurance Co.


Medico Insurance Co.

Mutual Of Omaha Insurance Co.

Old Surety Life Insurance Co.

Oxford Life Insurance Co.

Pekin Life Insurance Co.

Physicians Mutual Insurance Co.

Reserve National Insurance Co.

Standard Life and Accident Insurance Co.

State Farm Mutual Automobile Insurance Co.

State Mutual Insurance Co.

Sterling Investors Life Insurance Co.

Sterling Life Insurance Co.

Stonebridge Life Insurance Co.

Thrivent Financial For Lutherans

Transamerica Life Insurance Co.

United American Insurance Co.

United Commercial Travelers of America

United Healthcare Insurance Co.

United National Life Insurance Company of America

United Teacher Associates Insurance Co.

USAA Life Insurance Co.


0.0%

0.3%

0.0%

1.2%

12.5%

1.5%

0.2%

0.0%

0.6%

0.4%

0.3%

1.6%

0.1%

0.1%

0.9%

1.7%

0.4%

0.9%

0.6%

0.1%

22.8%

0.1%

0.1%

0.4%

0.0%

800-331-2512

800-633-6752

800-247-2190

800-228-6080

800-228-9999

800-272-5466

877-469-3073 option 4

800-322-0160

800-228-9100

800-654-9106 opt. 7, 1, 2, 2

888-350-1488

866-855-1212

888-764-1936

800-321-0102

800-489-7506

888-272-9272 option 2

800-847-4836

800-247-1771

800-331-2512

800-848-0123

800-768-1479 (individuals)800-272-2146 (AARP group)

847-803-5252

866-459-4272

800-515-8687

855-406-9083

0

0

0

7

13

0

0

0

1

0

0

1

0

1

7

6

0

3

2

1

17

2

0

0

0

0

0

0

373

68

0

0

0

112

0

0

41

0

525

516

227

0

213

210

512

49

1,334

0

0

0

Missouri Medigap issuers: Complaint index for 2021-14 CONTINUED

REVISED AUGUST 26, 2015

Department of Insurance, Financial Institutions & Professional Registration

Contact CLAIM for free Medicare answersFor any questions about Medicare, you can contact CLAIM, a free nonprofit service that counsels people on Medicare and their caregivers. Trained volunteers throughout Missouri will help answer your questions. Call: 800-390-3330 Visit: missouriclaim.org

This free Medicare counseling program will answer questions about: zMedigap insurance z Enrollment and billing zMedicare prescription drug plans z Long-term care planning and insurance

zMedicare Advantage plans z Appeals and grievances z Limited income assistance programs z Suspected waste, fraud and abuse

Call DIFP’s Insurance Consumer

Hotline

For questions about your insurance policy or to file a complaint against an insurance company or agent, contact:

difp.mo.gov or 800-726-7390

http://insurance.mo.gov/consumers/complaints/index.php

http://missouriclaim.org/

http://difp.mo.gov/

Documents

2015 Medigap Rate Guide - California Department …...DIFP Jay Nixon Governor John M. Huff Director Department of Insurance, Financial Institutions & Professional Registration For