Western United Life Medicare Supplement Reviews: Top 10 Company?
Western United Life
Western United Life Medicare Supplement have been really popular recently. REMEDIGAP is an independent insurance broker, and Western United Life Medicare Supplement plans are one of the Medigap plans we represent. We have a lot of experience with this dependable insurance company.
About Western United Life
Manhattan Life, Western United Life’s parent company, was founded over a century ago in 1850. As a member of the Manhattan Life group companies, Western United Life Assurance Company has been in business since 1963 and provide excellent customer service and insurance products.
Western United Life Ratings
The Western United insurance company has received positive reviews from the following rating organizations.
- A.M. Best: B+
- Better Business Bureau: A+
These ratings show Western United Life’s financial strength is good. The outlook for all ratings is stable.
Western United Life Details
| DETAILS | RATING |
|---|---|
| A.M. Best Rating: | A+ |
| Better Business Bureau: | A+ |
| Phone: | 1-800-877-7703 |
| Address: | P.O. Box 925989, Houston, Texas 77292-5989 |
| Website: | https://www.manhattanlife.com/ |
| Review: | Manhattan Life Insurance Medicare Supplement reviews |
Western United Life Medicare Supplement Reviews
With a Medicare Supplement policy from Western United Life you’ll get:
- 30-day free-look-period
- Guaranteed renewable health insurance coverage
- Go to any hospital, see any doctor or specialist that accepts Medicare
- Initial 12-month rate is locked-in
- Majority of Medigap plans have some foreign travel coverage
What are the advantages of working with Western United Life?
- 7% household discount (where available)
- Fast and simple electronic application
- Shoppers won’t need email to use their e-app
- Policies issued quickly
- Excellent customer service and claims support
Western United Life Medicare Supplement Plans
Western United Life Medicare plans and products will vary by state. They sell all the popular plans like Plan F, G, and N. REMEDIGAP will gladly quote this Medigap plan in your area. We’ll look to see how prices compare with the other big-name carriers like Aetna, & Mutual of Omaha
How much do Western United Life medicare supplement plans cost?
Premiums for Western United Life 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.
Western United Life Medicare Supplement Plan F
Medicare Supplement Plan F: Plan F is very popular because it offers the most coverage. It pays for most of your medical care and procedures that are not covered by Original Medicare. These gaps in Medicare include deductibles, Excess charges, Hospice, blood, skilled nursing, as well as an 80% foreign travel emergency care (check plan limits). With Plan F, you’ll typically have no out of pocket spending towards your Part A or B services.
Medigap 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 |
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
Western United Life Medicare Supplement Plan G
Medicare Supplement Plan G: Works exactly like Medigap Plan F, except for 1 feature. You must pay the Part B deductible. Plan G premiums typically cost less than Plan F, which makes Plan G an excellent value.
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 |
Western United Life Medicare Supplement Plan N:
Medicare Supplement Plan N: Plan N has become very popular. All of your coverage gaps are covered except for your Part B deductible, excess charges and you also pay a copay at the doctor and emergency room.
Western United Life Medicare Supplement Benefits
See the chart below for the full details of each of the most popular Medicare Supplement plans.
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% |
State Availability
Western United Life Medicare Supplements are available in many states across the US. They sell their policies in:
- Alabama
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maryland
- Michigan
- Mississippi
- Montana
- Nebraska
- Nevada
- New Jersey
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- West Virginia
- Wyoming
Western United Life Medicare Supplement Rates
Price is very important and Western United Life provides very competitive rates across the country. Get the most current rates by using our Medigap quoter. Remember that prices differ depending on things such as your age, location and gender.
Our Recommendation
Overall we recommend Western United Life for Medicare supplement plans. The reason is simple. They are a good insurance company that is backed by a strong parent company; the Manhattan Life Group.
What To Do Now?
For help reviewing your Medigap plan options for Western United Life Medicare supplements or any other insurance company, contact us today.
- Get quotes – We can provide you with current rates for all of the popular Medigap plans from the top Medicare Supplement companies. Give us a call at (800) 411-1329 or use our online quoter here.
- Questions? – Do you have some general questions about Medicare or Western United Life? Call us at (800) 411-1329. For Western United insurance claims, call their customer service at (800) 877-7703.
- Learn – Make sure to subscribe to our free e-Course. Get simple to understand Medicare lessons sent directly to your email. Sign up here
Thank you for reading the Western United Life Medicare Supplement review. Please let us know if you have any questions.
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.