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Medicare Supplement Insurance From Gerber Life Insurance Company

Many people know Gerber for the baby food sold by Gerber Products Company. But Gerber Life Insurance Company actually sells a variety of insurance products, including Medicare Supplement Insurance (Medigap).

About Gerber Life Insurance Company

Gerber Life Insurance Company has provided life insurance products since 1967.

Part of the Gerber Life Insurance Company mission is to help parents and grandparents gain financial security, no matter what stage of life they may be in.

Gerber Medicare Supplement Insurance Plans

Gerber Life Insurance Company sells all 10 standardized Medicare Supplement Insurance plans, although not every plan is available in every location or in every state.

The 10 standardized Medigap plans that are available in most states are listed in the comparison chart below.

Medicare Supplement Benefits A B C D F1 G K2 L3 M N4
Part A co-insurance and hospital costs
Part B co-insurance or co-payment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
MedicarePart B deductible              
Medicare Part B excess charges              
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plan F offers a high-deductible plan. This plan requires you to pay a $2,300 deductible in 2019 before it covers anything.
2. Plan K has an out-of-pocket yearly limit of $5,560 in 2019. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
3. Plan L has an out-of-pocket yearly limit of $2,780 in 2019. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

What Do Gerber Life Medigap Plans Cover?

The 10 standardized Medicare Supplement Insurance plans available in most states can provide coverage for nine different benefit areas.

Each plan offers its own combination of coverage in the following areas:

  • Medicare Part A deductible 
  • Medicare Part B deductible
  • Part A coinsurance and hospital costs
  • Part A hospice care coinsurance or copayments
  • Part B coinsurance and copayments
  • Skilled nursing facility coinsurance
  • Part B excess charges
  • First three pints of blood needed for a transfusion
  • Foreign travel emergency care  

Depending on where you live, you may be able to find Gerber Medigap plans that include some of the following popular plans:

  • Medigap Plan F
    Plan F is the most popular Medigap plan, and it provides more benefits than any of the other standardized Medigap plans.

  • Medigap Plan G
    Plan G is similar to Plan F in that it provides coverage for all of the standardized Medigap benefits, except for the Medicare Part B deductible.

  • Medigap Plan A
    Plan A offers the fewest benefits of any of the standardized Medigap plans. Any Medicare Supplement Insurance company that sells Medigap plans must provide at least Plan A.

Gerber Life Insurance Company Ratings and Reviews

Gerber was awarded an A rating from A.M. Best in May, 2018. This is the third highest awarded rating out of thirteen possible categories.1

You can read Medicare Supplement Insurance customer reviews to learn more about how many Medicare beneficiaries benefit from having a Medigap plan and why MedicareSupplement.com is a trusted source for Medicare Supplement Insurance plan quotes and enrollment.

When to Enroll in a Medigap Plan

The best time to sign up for a Medigap plan is during your Medigap Open Enrollment Period. Your Medigap Open Enrollment Period lasts for 6 months and begins as soon as you are at least 65 years old and enrolled in Medicare Part B.

During your Medigap Open Enrollment Period, insurance companies cannot use medical underwriting to determine your Medigap premiums or plan acceptance based on your health.  

You may still sign up for a Medigap plan after your enrollment period closes, but you may be subject to underwriting and might end up paying more for your plan. 

Call to speak with a licensed insurance agent today who can help you compare the Medigap plans that are available where you live. 

 

Compare Medigap plans in your area.

Find a plan

Or call --ms-tfn-- to speak with a licensed insurance agent.

 

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1 Meet Gerber Life Insurance Company. Gerber Life. Retrieved Aug. 2019, from www.gerberlife.com/about.

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