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Medigap Plans » » On this page we help consumers learn more about Medicare Supplements sold by Western United Life in the state of Texas. Call 1-855-728-0510 (TTY 711) for plan assistance.
This page contains editorial content that is not endorsed or approved by Western United Life Assurance Company (a ManhattanLife company)[2]. This is not a solicitation of insurance.
☆☆☆☆☆MedicareWire Rating: A.M. Best Rating: B+
A.M. Best Outlook: Stable
S&P Rating:
Established: Unknown
NAIC Number: 85189
Policy Fee: $25.00
What Medigap Policies Does Western United Life Sell in Texas?
Western United Life Assurance Company (a ManhattanLife company) offers 5 of the standardized Medigap policies in Texas. Each Medigap plan offers a different range of coverage (see comparison chart or check out our review). Here's a quick look at Western United Life's offering:
Plans Offered by Western United Life
| Medigap Plan AMedicare Supplement Plan A is often confused with Medicare Part A, which is the Medicare coverage that pays for your inpatient hospital care. Medicare Supplement Plan A, which is also known as Medigap Plan A,... | $93.58 | Attained Age | Get a Quote |
| Medigap Plan CMedicare Supplement Plan C, also called Medigap Plan C, is one of the most comprehensive of the 10 standardized supplemental Medicare plans available in most states. In fact, only Medicare Plan F offers more coverage. | $122.58 | Attained Age | Get a Quote |
| Medigap Plan FMedicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services. | $123.83 | Attained Age | Get a Quote |
| Medigap Plan GIf you're turning age 65 this year, Medicare Supplement Plan G is the most comprehensive Medicare supplement you can buy. It's also the most popular. You might be thinking that Medicare Supplement Plan F is... | $93.67 | Attained Age | Get a Quote |
| Medigap Plan NMedicare Supplemental Plan N is one of the ten standardized Medigap plans. Although it is one of the newest plans available, Medicare Plan N is quickly becoming a favorite with Baby Boomers aging into their... | $81.58 | Attained Age | Get a Quote |
Attained Age Rated Medigap Plans: With this plan rating type your monthly premium is based on your current age. As you age your premium will increase. As an example, if you enroll in a Medigap policy at age 65 with a premium of $120, it may increase to $138 when you turn 69, and $162 at age 72. Also, Attained Age rated plans may increase with inflation.
Call 1-855-728-0510 (TTY 711) for plan assistance.
If you qualify for Medicare and don't know where to start, MedicareEnrollment.com, an independent HealthCompare insurance broker, has licensed agents who can help you with your Medicare enrollment options.
The table below outlines the coverage of each Western United Life Medicare Supplement:
Medigap Plan Benefits
| Part A Deductible | No | Yes | Yes | Yes | Yes |
| Part A Coinsurance | Yes | Yes | Yes | Yes | Yes |
| SNF Coinsurance | No | Yes | Yes | Yes | Yes |
| Part B Deductible | No | Yes | Yes | No | No |
| Part B Coinsurance | Yes | Yes | Yes | Yes | Yes |
| Excess Charges | No | No | Yes | Yes | No |
| Foriegn Travel | No | 80% | 80% | 80% | 80% |
| Out-of-Pocket Limits | No | No | No | No | No |
Western United Life scored 3.5 out of 5.0 based on our scoring method. Although their Plan F is not in the top 10 best rates, Western United Life has been servicing Medicare SupplementsMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. for over 10 years and has a good financial rating from A.M. Best. Another slight negative is their $25.00 policy fee. This is a good carrier, but there are other good Medigap carriers with lower rates in Texas. See the top 10 competition.
Here are the pros and cons from our analysis:
Pros
- Good financial strength.
- Over 25 years in the Medicare Supplements business.
Cons
- Plan F premium not in top 10 best.
- Does not offer Medicare SELECTMedicare SELECT is a type of Medigap policy (Medicare supplement plan) that requires its members to get their primary care from a contracted provider. plans.
- Does not offer the 5 most popular plans.
- Charges a fee to write the policy.
About This Review
We reviewed Western United Life's Medicare supplement plan offering in Texas versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.
Western United Life Medicare Supplement Plan F Compared to Top Ten
Plan F is the most popular plan sold by Western United Life in Texas. The table below gives you an idea of rates by the top ten vs. Western United Life.
Compare Plan F Base Rates
| Western United Life | $123.83 | $25.00 | ☆☆☆☆☆ |
| S.USA Life Insurance | $118.82 | $25.00 | ☆☆☆☆☆ |
| Guarantee Trust Life | $119.60 | $25.00 | ☆☆☆☆☆ |
| Philadelphia American | $119.98 | $20.00 | ☆☆☆☆☆ |
| Unified Life | $120.01 | $25.00 | ☆☆☆☆☆ |
| Bankers Fidelity | $120.01 | $25.00 | ☆☆☆☆☆ |
| Equitable National | $120.28 | $20.00 | ☆☆☆☆☆ |
| Cigna | $120.94 | None | ☆☆☆☆☆ |
| Puritan Life | $121.27 | $25.00 | ☆☆☆☆☆ |
| Shenandoah Life | $122.95 | $25.00 | ☆☆☆☆☆ |
| Everest | $123.67 | $25.00 | ☆☆☆☆☆ |
Contact Western United Life Medigap Sales
For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:
For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.
Eligibility
Western United Life Medicare Supplements are available to all Texas beneficiaries, ages 65 and older, who are enrolled in Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services.. If you are just turning age 65, you have guaranteed issue rightsGuaranteed-issue is a right granted to Medicare beneficiaries and applies to Medicare Supplement insurance (aka, Medigap plans). All states and the federal government enforce this essential right, which protects Medicare beneficiaries from medical underwriting. and cannot be turned down by Western United Life. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
Availability
Western United Life services Medicare supplement insurance in Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving, Amarillo, Grand Prairie, Brownsville, Pasadena, McKinney, Mesquite, McAllen, Killeen, Frisco, Waco, Carrollton, Denton, Midland, Abilene, Beaumont, Round Rock, Odessa, Wichita Falls, Tyler, Richardson, Lewisville, and most other Texas cities.
Related Medicare Supplement Insurance Topics
- Do I really Need Supplemental Insurance with Medicare??
- Is Medicare Plan G Better Than Plan F?
- What is the Average Cost of Supplemental Insurance for Seniors?
On this page our goal is to help consumers: Compare Western United Life Medigap plans in Texas with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by , and was last updated on July 11, 2022.