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Medicare Supplement Insurance

Get the freedom to enjoy life, and all the sunsets that come with it.

Medicare supplement insurance is a smart and easy way for seniors to help plan for future medical costs.

Medicare Supplement

Intro to Medicare Supplement Insurance

Medicare doesn’t pay for all health care services and supplies. Medicare supplement insurance from COUNTRY Financial® can help you with some of your out-of-pocket costs.

Some costs Medicare may not fully cover: hospitalization, medical expenses, skilled nursing facility care, hospice care, home health care, blood transfusions, and emergency care during foreign travel.

You can purchase a Medicare supplement insurance policy any time after you reach age 65 and join Medicare Part B.  Your open enrollment period is the six months after you turn 65 and enroll in Medicare Part B.  During this time, we can’t deny insurance coverage or charge additional premium because of past or present health problems, so it’s important not to wait.

COUNTRY Life Insurance Company® offers policies in Illinois, and we can help you get coverage through other companies in some states. Features and plan options described on this page may vary in states outside of Illinois.


Features

Medicare Supplement has other features too, like:

The freedom to choose

You select your doctors, specialists and hospitals.

You can’t be cancelled

All of our Medicare supplement insurance policies are guaranteed renewable for life as long as you pay the premiums.

Five plan options

We offer five different plans (A, C, D, F and High Deductible F) with varying amounts of coverage.

No waiting period for pre-existing conditions

Benefits start from day one. There is no wait for pre-existing conditions to be covered.

Guaranteed coverage during open enrollment

We can’t turn you down or charge additional premium due to health problems during open enrollment.

Competitive premiums

While coverage for each plan is the same across companies, premiums can vary greatly.  Our premiums are consistently among the most competitively priced in Illinois, according to the State of Illinois Department of Insurance.

Coverage Options

The chart below shows some basic information about the different Medicare supplement plans available from COUNTRY Life.

Plan A Plan C Plan D Plan F High Deductible Plan F*
Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)

100%

100%

100%

100%

100%

Medicare Part B coinsurance or copayment

100%

100%

100%

100%

100%

Blood transfusions (first three pints received)

100%

100%

100%

100%

100%

Medicare Part A hospice care coinsurance or copayment

100%

100%

100%

100%

100%

Skilled nursing facility care co-insurance

100%

100%

100%

100%

Medicare Part A deductible

100%

100%

100%

100%

Medicare Part B deductible

100%

100%

100%

Medicare Part B excess charges

100%

100%

Foreign travel emergency (up to plan limits)

100%

100%

100%

100%

*Benefits in the High Deductible Plan F are the same as the standard Plan F. Benefits will begin after meeting a specified deductible ($2,140 in 2014).

This is a brief overview, and we know you’ll need more details in order to choose the right plan. So just get in touch with us – we can help you understand your choices and select the Medicare supplement insurance that’s best for your life and budget. You can also visit medicare.gov for more on what you need to know about Medicare and Medicare supplement insurance.

Not connected with or endorsed by the U.S. Government or the Federal Medicare program. In Illinois, Medicare supplement insurance policies are written by COUNTRY Life Insurance Company®. In our other states, policies may be purchased through CC Services, Inc., from a third-party insurer not affiliated with COUNTRY Financial. For more information about CC Services, Inc., read the License and Name Information in our full Terms & Conditions.

This policy has limitations. For costs and complete details of the coverage, contact a COUNTRY Financial representative or contact the company. Products and services described in this website vary from state to state and not all products, coverages or services are available in all states.

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