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Physicians Life Insurance Company, a member of the Physicians Mutual family Physicians Mutual Insurance Company


Clear Answers to Your Medicare Questions

Feeling overwhelmed about Medicare? You're not alone. We talk to people every day who feel the same way. Medicare can be confusing, and so many are afraid of making the wrong decision. We'll take the time to listen and sort out the details — to help people like you make the right choice for Medicare Supplement insurance.For over 50 years, we've been taking the time to listen and sort out the details — to help people like you make the right choice for Medicare Supplement insurance.

To help you better understand how Medicare and Medicare Supplement insurance work, here are answers to some of the common questions we often hear.

Medicare is a health insurance program provided by the federal government for:

  • People 65 or older
  • People under 65 with certain disabilities
  • People of any age with end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant)

Since Medicare is federally run, eligibility guidelines are normally the same throughout the country.

Medicare pays for many health care services, but there are still costs you must pay on your own. To help lower your out-of-pocket expenses, consider Medicare Supplement insurance from Physicians LifeMutual Insurance Company. This important coverage can help pay medical expenses not covered by Medicare, such as coinsurance, co-payments and deductibles.

Do you have questions about Medicare? Call us anytime, we're happy to help! 1-800-235-7732 1-800-235-7732

Medicare is a health insurance program that pays for many health care services — but there are still costs you must pay on your own.

Medicare consists of Parts A, B, C and D.Medicare is divided into four parts:

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Part A —
Hospital Insurance (Original Medicare)

  • Benefits help cover inpatient care in hospitals, skilled nursing facilities, hospice and medically necessary home health care
  • Most people do not pay a premium
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Part B —
Medical Insurance (Original Medicare)

  • Benefits help cover services provided by doctors and other health care providers, outpatient care, durable medical equipment, home health care and some preventive services
  • Most people pay the standard Medicare Part B premium
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Part C —
Medicare Advantage (MA)

  • Offers health plan options run by Medicare-approved private insurance companies
  • Enrollment is optional and replaces Original Medicare
  • Many MA plans offer Medicare prescription drug coverage (Part D)
  • Premiums and benefits vary by plan
  • Plans include networks that may change
  • If you go with an MA plan, you cannot have Medicare Supplement insurance
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Part D —
Prescription Drug Coverage

  • Benefits help pay for prescription drug costs
  • Enrollment is voluntary
  • Plans are available through private insurance companies approved by Medicare
  • Premiums and benefits vary by plan

Even if you have Medicare, there may be costs you must pay on your own. Medicare Supplement insurance (also called Medigap) from Physicians LifeMutual Insurance Company can help. This is private insurance you can buy to help pay bills Medicare may not cover.

Do you have questions about how Medicare works? Call us anytime, we're happy to help! 1-800-235-7732 1-800-235-7732

Medicare Supplement (or Medigap) insurance can help cover medical expenses not covered by Medicare. Because it pays in addition to your Medicare benefits, Medicare Supplement insurance can help reduce the amount of money you must pay on your own and can help protect your retirement savings.

The Basics

If Medicare does cover a service, you could still have out-of-pocket expenses you must pay such as deductibles, copayments or coinsurance. Medicare Supplement insurance can help lower your out-of-pocket medical costs.

Plus:

  • It allows you to choose your own Medicare-approved doctors and hospitals — A referral is not needed by the company, but always check with Medicare to see if service is covered or needs a referral.
  • Your coverage is guaranteed renewable as long as you pay your premiums and do not offer material misrepresentation.
  • Your coverage is guaranteed renewable as long as you pay your premiums on time.
  • Even if you move or travel within the U.S., your coverage stays with you.
  • If you have open enrollment or guaranteed issue rights, your coverage is guaranteed — there are no health questions to answer.

Medicare Supplement Insurance can help cover medical expenses not covered by Medicare.

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Know the Best Time to Buy:

The best time is during your Open Enrollment Period. Generally, it begins on the first day of the month in which you turn 65 or you are enrolled in Medicare Part B (persons eligible for Medicare due to disability may also qualify for open enrollment for Medicare Supplement coverage regardless of age). It lasts for six months, and you cannot be turned down during this time. After this period, your options may be limited.

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Get Help When You Need It:

When you're ready, talk with one of our experienced and friendly agents/producers who can help you sort out all the details and findcustomize the best option for you.

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How Much Coverage Do You Need?

When deciding on the best Medicare Supplement insurance for you, take time to consider your health care needs. Also think about medical expenses you may be responsible for, such as deductibles, co-payments and coinsurance. One of our friendly agents/producers can help you findcustomize coverage just right for you.

Do you have questions about Medicare Supplement insurance? Call us anytime, we're happy to help! 1-800-235-7732 1-800-235-7732

The decision of which insurance company you choose for Medicare Supplement insurance can come down to the company's financial strength, pricing options, personal service, customer service and experience. At Physicians LifeMutual Insurance Company, you can count on us for all of these.

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Pricing Options

You want to make sure you can afford your coverage now and in the future. It's important you know insurance companies can set prices in different ways for Medicare Supplement insurance. The way prices are set determines how much you pay now and in the future. Our customers can depend on our long-term vision to help provide inexpensive premiums.affordable premiums.*affordable premiums.

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Personal Service

We know that insurance can be confusing. That's why we want you to be as educated as possible. Our experienced, professionally trained agents/producers take care to understand your needs, explain things clearly, and help guide you to an insurance coverage that's right for you.

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Financial Strength

We consistently receive some of the highest financial strength ratings in the nation. In fact, one industry analyst, Weiss Ratings, gives us an "A- Excellent" and has placed us on their Recommended List of companies, in an elite group of 45 life and health insurance companies representing the top 7.0% of the insurance industry (Weiss Ratings, September 2018)has placed us on their Recommended list of companies, an elite group of six life and health insurance companies representing the top .9% of the insurance industryhas placed us on their Recommended List of companies, an elite group of 45 life and health insurance companies representing the top 7.0% of the insurance industrygives us an "A+ Excellent" and has placed us on their Recommended List of companies, an elite group of six life and health insurance companies representing the top .9% of the insurance industry (Weiss Ratings, September 2018). This rating refers only to the overall financial status and is not a recommendation of the specific insurance policy provisions, rates or practices of Physicians Mutual Insurance Companygives us an "A+ Excellent" and has placed us on their Recommended List of companies, an elite group of six life and health insurance companies representing the top .9% of the insurance industry (Weiss Ratings, September 2018). The ratings refer only to the overall financial status of the company and is not a recommendation of the specific insurance policy, rates or practices of the insurance companygives us an A- Excellent — the highest rating possiblegives us an A+ Excellent — the highest rating possible (Weiss Ratings, September 2018)gives us an "A+ Excellent" and has placed us on their Recommended List of companies, an elite group of six life and health insurance companies representing the top .9% of the insurance industry (Weiss Ratings, September 2018). Our strong financial base allows us to be there when you need us — so you can rely on us to service your insurance policy today and in the future.

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Customer Service

Customers come first. We want ours to be happy and know they can contact us with all of their questions. Each and every day we work to create satisfied customers. You'll be glad to know that 95% of our customers are satisfied with us, according to our 2018 Physicians Mutual® Customer Satisfaction survey conducted by Wiese Research Associates..**, according to our 2018 Physicians Mutual Customer Satisfaction survey conducted by Wiese Research Associates on behalf of Physicians Mutual.

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Experience

For more than 117 years, our Physicians Mutual family has helped Americans find the right coverage at the right price.*Physicians Mutual Insurance Company was founded in 1902 and is a member of the Physicians Mutual family. The Physicians Mutual family of companies has provided Medicare Supplement insurance protection for over 50 years.The Physicians Mutual family of companies has provided Medicare Supplement insurance protection for over 50 years. We're committed to helping seniors make some of the most important decisions they'll ever make. When you're ready to discuss insurance, you can rely on us for the straightforward guidance you need.

*Physicians Life Insurance Company is a member of the Physicians Mutual family and has been in business since 1970.

As part of the Physicians Mutual family, we want you to have the coverage you need, when you need it. We pride ourselves on being a family you can count on. You deserve simple answers from a straightforward company you can count on today — and for years to come.

Do you have questions about Physicians LifeMutual Insurance Company? Call us anytime, we're happy to help! 1-800-235-7732 1-800-235-7732

*Your rate can increase if we change rates on insurance policies of this form and class in your state.
**Physicians Mutual Customer Satisfaction Survey, 2018 Conducted by Wiese Research Associates.

Important Disclosure Information

Physicians Mutual Insurance Company offers reliable dental and supplemental health insurance.

Physicians Life Insurance Company provides important life insurance, Medicare Supplement, as well as annuities.

Physicians Mutual Insurance Company and Physicians Life Insurance Company are not financially responsible for each other's products.

This is a solicitation of insurance. Requests for additional information, including costs, exclusions and limitations, require contact with an insurance agent/producer or insurance company.

In LA/TN: Our Medicare Supplement insurance is available for people under age 65 eligible for Medicare due to a disability.

In NC: Premiums can change if all policies of the same form and class in your state are changed. Plan F, Plan G, High Deductible Plan F and High Deductible Plan G premiums based on attained age will also change each year on or after your birthday.

In TN: Ask your agent to provide you with complete details about this solicitation of insurance including costs, limitations, the terms under which the policy may continue in force or be discontinued, and any circumstances that may cause a premium change.

In CO: Important Information: Medicare Supplement policies are available to people under age 65 eligible for Medicare due to a disability.

Physicians Life Insurance Company and its agents/producers are not connected with, or endorsed by, the U.S. Government or the Federal Medicare Program.

Physicians Life Insurance Company Insurance policy/rider form numbers: L030, L035, L036, L037, L038, F001, F002 (In LA: L030LA, L035LA, L036LA, L037LA, L038LA; In NC: L030NC, L035NC, L036NC, L037NC, L038NC; OK: L030OK, L035OK, L036OK, L037OK; In TN: L030TN, L035TN, L036TN, L037TN, L038TN, F001TN, F002TN)

Physicians Mutual Insurance Company offers reliable Medicare Supplement, dental and supplemental health insurance.

Physicians Life Insurance Company provides important life insurance, as well as annuities.

Physicians Mutual Insurance Company and Physicians Life Insurance Company are not financially responsible for each other's products.

This is a solicitation of insurance. Requests for additional information, including costs, exclusions and limitations, require contact with an insurance agent/producer or insurance company.

In MD/MO/WI: Our Medicare Supplement insurance is available for people under age 65 eligible for Medicare due to a disability.

In OH: We are not connected with, nor sponsored by, the federal or state government, the Social Security Administration, the Centers for Medicare & Medicaid Services, or the Department of Health & Human Services. This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. An agent will provide complete details of this solicitation of insurance

In TX: Plan A is available to individuals under age 65 who are enrolled in Medicare.

In CA: AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST.

Physicians Mutual Insurance Company and its agents/producers are not connected with, or endorsed by, the U.S. Government or the Federal Medicare Program.

Insurance policy/rider form numbers: P020, P023, P025, P026, P027, P029, B345 (In WI: P235, P236, P237)