Loyal American Medicare Supplement Company Review
Loyal American Medicare Supplement
Loyal American is a respected Medicare Supplement company. They are one of the many insurers that we use at REMEDIGAP. We’re proud to offer them to our clients because they offer very competitive rates and are financially strong. Let’s look more closely at the Loyal American Life Insurance Co and their Medicare Supplement plans.
About loyal american life insurance company
The Loyal American Life Insurance Company is a subsidiary of Cigna Health Group. Based in Austin, Texas, Loyal American got their start in 1955. They’ve been a top carrier for insurance plans for over 60 years.
Loyal American Life Insurance Ratings
Cigna and their subsidiary Loyal American currently exhibit strong financial ratings from A.M. Best and other major rating agencies:
Loyal American Details
| DETAILS | RESULTS |
|---|---|
| A.M. Best Rating: | A+ |
| Standard & Poor’s: | A+ |
| Moody’s: | A1 |
| Fitch: | A |
| Better Business Bureau: | A+ |
| Phone: | 1-866-459-4272 |
| Address: | Cigna Supplemental Benefits P.O. Box 26580 Austin, TX 78755-0580 |
| Website: | https://www.cigna.com |
Loyal American Medicare Supplement Reviews
Here are a few features of a Loyal American Medicare Supplement:
- 30-day “free look period”
- Guaranteed renewable health insurance coverage
- National coverage: go to any hospital, see any doctor or specialist that accepts Medicare
- Initial 12-month rate is locked in
- Most Medigap plans have some foreign travel coverage
What are the advantages with buying Loyal American Medicare plans?
- You won’t be surprised with a membership or association fee
- Access to Cigna’s Healthcare 24-hour Health Information Line
- Access to MyPolicyHQ.com
- Fast electronic claims process
Loyal American Medigap Plans
Loyal American offers several Medicare Supplement plans to consumers. We’ll review the most popular Medigap plans that they offer and go over their benefits.
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
Loyal American Medicare Supplement Plan F
Loyal American Medicare Supplement Plan F: Medigap Plan F is has been the most popular for quite some time. It’s the most simple to understand and it has the most coverage when comparing plans. With Loyal American Plan F, you’ll hardly ever run into any situations where you’ll spend out of pocket towards your Medicare Part A or Part B services.
Medicare Supplement 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 |
Loyal American Medicare Supplement Plan G
Loyal American Medicare Supplement Plan G has been the second most popular Medigap plan, but it’s gaining ground quickly. Plan G gives you all of Plan F coverage benefits with the only exception being your Medicare Part B deductible. It’s a great plan for shoppers who simply want to save some money when they personally cut the check for their Part B deductible (instead of the plan paying like Plan F).
Medicare Supplement 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 |
Loyal American Medicare Supplement Plan N
Loyal American Medicare Supplement Plan N rounds out the top 3. Plan N has recently become pretty popular due to its balance of affordability and benefits. Plan N provides great value, but the insured has a few more responsibilities such as a $20 copay for office visits to your doctor and a copayment for ER visits (up to $50).
Loyal American medicare supplement rates
Premiums for Loyal American 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.
loyal american medicare supplement Benefits
It’s always a good idea to see what benefits you’re getting with your Medicare Supplement. Here is a breakdown of Part A and B services; what Medicare pays; what your plan pays and what you’ll be responsible for.
Medicare Supplement Plan F Benefits
Part A | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Hospitalization | |||
| First 60 Days | All But $1,556 | $1,556 (Part A Deductible) | $0 |
| 61st Through 90th Day | All But $389 a Day | $389 a Day | $0 |
| 91st Day and After (60 Reserve Days) | All But $778 a Day | $778 a Day | $0 |
| After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
| Beyond the Additional 365 Days | $0 | $0 | All Costs |
| Skilled Nursing Facility Care | |||
| First 20 Days | All Approved Amounts | $0 | $0 |
| 21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
| 101st Day and After | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Hospice Care | |||
| You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient Respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Medical Expenses | |||
| 1st $198 of Approved Amounts | $0 | $233 (Part B Deductible) | $0 |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess charge | $0 | 100% | $0 |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Next $198 of Approved Amounts | $0 | $203 (Plan B Deductible) | $0 |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Clinical Laboratory Services | |||
| Tests for Diagnostic Services | 100% | $0 | $0 |
| Foreign Travel | |||
| 1st $250 each calendar year | $0 | $0 | $250 |
| Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
Medicare Supplement Plan G Benefits
Part A | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Hospitalization | |||
| First 60 Days | All But $1,556 | $1,556 (Part A Deductible) | $0 |
| 61st Through 90th Day | All But $389 a Day | $389 a Day | $0 |
| 91st Day and After (60 Reserve Days) | All But $778 a Day | $778 a Day | $0 |
| After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
| Beyond the Additional 365 Days | $0 | $0 | All Costs |
| Skilled Nursing Facility Care | |||
| First 20 Days | All Approved Amounts | $0 | $0 |
| 21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
| 101st Day and After | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Hospice Care | |||
| You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Medical Expenses | |||
| 1st $198 of Approved Amounts | $0 | $0 | $233 (Part B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess Charge | $0 | 100% | $0 |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Next $198 of Approved Amounts | $0 | $0 | $233 (Plan B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Clinical Laboratory Services | |||
| Tests for Diagnostic Services | 100% | $0 | $0 |
| Foreign Travel | |||
| 1st $250 during 1st 60 days | $0 | $0 | $250 |
| Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
Medicare Supplement Plan N Benefits
Part A | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Hospitalization | |||
| First 60 Days | All But $1,556 | $1,556 (Part A Deductible) | $0 |
| 61st Through 90th Day | All But $389 a Day | $389 a Day | $0 |
| 91st Day and After (60 Reserve Days) | All But $778 a Day | $778 a Day | $0 |
| After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
| Beyond the Additional 365 Days | $0 | $0 | All Costs |
| Skilled Nursing Facility Care | |||
| First 20 Days | All Approved Amounts | $0 | $0 |
| 21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
| 101st Day and After | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Hospice Care | |||
| You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Medical Expenses | |||
| 1st $198 of Approved Amounts | $0 | $0 | $233 (Part B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Balance, Other than Copays | Up to $20/$50 Copays, Emergency visit copay waived if admitted |
| Part B Excess Charge | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Next $198 of Approved Amounts | $0 | $0 | $203 (Plan B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Clinical Laboratory Services | |||
| Tests for Diagnostic Services | 100% | $0 | $0 |
| Foreign Travel | |||
| 1st $250 each calendar year | $0 | $0 | $250 |
| Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
Other Loyal American Insurance Products
Cigna supplemental plans that are insured by Loyal American Life include;
- Accident expense insurance
- Heart attack and stroke insurance
- Cancer insurance
- Whole life insurance
Our recommendation
Loyal American is a solid Medicare Supplement carrier who is financially strong and offers competitive rates. REMEDIGAP is a licensed national broker and appointed to sell Medigap plans from the best companies in the country, including Loyal American.
What the next step?
Always compare rates, plans and companies. If you want to be confident about your Medigap plan options with Loyal American Medicare supplements or any of the other carrier, contact us today.
- Compare Plans – Get free quotes and expert assistance comparing current rates for popular plans from the top rated Medicare Supplement companies. Simply call call us at (800) 411-1329 or get online quotes here.
- Questions? – Do you have some general questions about Loyal American or Medicare? Reach us at (800) 411-1329.
- Learn – Make sure to subscribe to our free Medicare e-Course. Get easy to understand daily email lessons. Sign up here
Written by Michael Quinn
Licensed Broker, REMEDIGAP Founder
Fact Checked by Joann Quinn
Chief Compliance Officer
As a licensed insurance broker, REMEDIGAP upholds the principles of integrity in our editorial standards and ensures transparency in how we receive compensation from our insurance partners.