My Account

Get Your Medicare Supplement Insurance Quote

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

Fill out the information below to see which plans are available in your area:

help

* You do not need to answer this question if you are in your Open Enrollment or Guaranteed Issue Period.

Questions? Call us at 1-800-235-77321-800-235-7732
or We'll Call You Now

We have 0 plans available in your area.

If you were first eligible for Medicare before January 1, 2020, please call 1-800-235-77321-800-235-7732 for other plan options.

Medicare Supplement insurance policies can help cover out-of-pocket medical expenses not covered by Medicare. Need help? Call one of our friendly agents/producers at 1-800-235-77321-800-235-7732 — they can help you sort out all the details.

Compare All Plans

Best if: You want low premiums in exchange for a yearly plan deductible.

NA

The monthly premium quoted above is based on premiums.

help

This plan works best for you if:

You want low premiums in exchange for a yearly plan deductible.

Compare All Plans for complete details.

pm_calendar_clock_circle
A yearly deductible keeps your premiums low

This option requires first paying a plan deductible of $2,300 before the plan benefits begin to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year.


High Deductible Plan G pays the same benefits as Plan G after you have paid a calendar year $2,300 deductible (except preventive benefits). Benefits will not begin until your out-of-pocket expenses are $2,300. This is for the plan deductible in 2019. This amount may increase each year. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.

*Amounts not paid by Medicare

Rates are for illustrative purposes only and are subject to underwriting approval.

Premiums will vary based upon the plan selected.

Click the Important Disclosure Information link below for all details including the insurance policy/rider limitations.

Best if: You expect minimal medical costs in the next 3 years, but want more coverage in the future.

NA

The monthly premium quoted above is based on premiums.

help

This plan works best for you if:

You expect minimal medical costs in the next 3 years, but want more coverage in the future.

Compare All Plans for complete details.

pm_dollar_sign_circle
This exclusive plan helps keep more money in your pocketsaves you money

You can save on premiums for life with our Innovative Plan G. Here's how it works: If you have medical expenses within the first three calendar years, you'll pay your share of health care expenses up to a calendar year deductible of $2,300. If you don't go to the doctor often, you may not even reach your full deductible. After those three calendar years, the plan deductible goes away and the only deductible you'll have is for Medicare Part B — and you'll continue to save on premiums. The Innovative Discount Rider works hand-in-hand with our Plan G.


Plan G with the Innovative Discount rider, you must meet an annual Plan Deductible before the plan pays anything (except preventive benefits) each year. This deductible automatically goes away January 1, following your third calendar year in which your policy is in force.

Plan G with the Innovative Discount Rider pays the same benefits as Plan G after you have paid a calendar year $2,300 deductible (except preventive benefits). Benefits will not begin until your out-of-pocket expenses are $2,300. This is for the plan deductible in 2019. This amount may increase each year. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.

*Amounts not paid by Medicare

Rates are for illustrative purposes only and are subject to underwriting approval.

Premiums will vary based upon the plan selected.

Click the Important Disclosure Information link below for all details including the insurance policy/rider limitations.

Best if: You want broad coverage, but don't mind paying the Part B Deductible.

NA

The monthly premium quoted above is based on premiums.

help

This plan works best for you if:

You want broad coverage, but don't mind paying the Part B Deductible.

Compare All Plans for complete details.


*Amounts not paid by Medicare

Rates are for illustrative purposes only and are subject to underwriting approval.

Premiums will vary based upon the plan selected.

Click the Important Disclosure Information link below for all details including the insurance policy/rider limitations.

Best if: You want low premiums in exchange for a yearly plan deductible.

NA

The monthly premium quoted above is based on premiums.

help

This plan works best for you if:

You want low premiums in exchange for a yearly plan deductible.

Compare All Plans for complete details.

pm_calendar_clock_circle
A yearly deductible keeps your premiums low

This option requires first paying a plan deductible of $2,300 before the plan benefits begin to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year.


*Amounts not paid by Medicare

Rates are for illustrative purposes only and are subject to underwriting approval.

Premiums will vary based upon the plan selected.

Click the Important Disclosure Information link below for all details including the insurance policy/rider limitations.

Best if: You are not worried about medical costs today, but want more coverage in the future.

NA

The monthly premium quoted above is based on premiums.

help

This plan works best for you if:

You are not worried about medical costs today, but want more coverage in the future.

Compare All Plans for complete details.

pm_dollar_sign_circle
Save on premiumsmoney for life with the Innovative Plan F

You can save on premiums for life with our Innovative Plan F. Here's how it works: If you have medical expenses within the first three calendar years, you'll pay your share of health care expenses up to a calendar year deductible of $2,300. If you don't go to the doctor often, you may not even reach your full deductible. After those three calendar years, the plan deductible goes away — and you'll continue to save on premiums. The Innovative Discount Rider works hand-inhand with our Plan F.


With Plan F with the Innovative Discount rider, you must meet an annual Plan Deductible before the plan pays anything (except preventive benefits) each year. This deductible automatically goes away January 1, following your third calendar year in which your policy is in force.

Plan F with the Innovative Discount Rider pays the same benefits as Plan F after you have paid a calendar year $2,300 deductible (except preventive benefits). Benefits will not begin until your out-of-pocket expenses are $2,300. This is for the plan deductible in 2019. This amount may increase each year. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.

*Amounts not paid by Medicare

Rates are for illustrative purposes only and are subject to underwriting approval.

Premiums will vary based upon the plan selected.

Click the Important Disclosure Information link below for all details including the insurance policy/rider limitations.

Best if: You want the most coverage to help lower your out-of-pocket costs on medical bills.

NA

The monthly premium quoted above is based on premiums.

help

This plan works best for you if:

You want the most coverage to help lower your out-of-pocket costs on medical bills.

Compare All Plans for complete details.


*Amounts not paid by Medicare

Rates are for illustrative purposes only and are subject to underwriting approval.

Premiums will vary based upon the plan selected.

Click the Important Disclosure Information link below for all details including the insurance policy/rider limitations.

Best if: You only want basic benefits and can afford to pay more medical bills.

NA

The monthly premium quoted above is based on premiums.

help

This plan works best for you if:

You only want basic benefits and can afford to pay more medical bills.

Compare All Plans for complete details.


*Amounts not paid by Medicare

Rates are for illustrative purposes only and are subject to underwriting approval.

Premiums will vary based upon the plan selected.

Click the Important Disclosure Information link below for all details including the insurance policy/rider limitations.

Rates are for illustrative purposes only and are subject to underwriting approval.

Click the Important Disclosure Information link below for all details including the insurance policy/rider limitations.

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.

Plan A L030 policy limitations: We will not pay for: a) confinement that begins or expenses incurred while your policy is not in force, (in SC/TN: subject to the Extension of Benefits provisions) b) services of the type not covered by Medicare, unless specifically provided by the policy.

Plan F L035, Plan G L036, High F Deductibe Plan L037, and High Deductible Plan G L038 policy limitations: We will not pay for: a) confinement that begins or expenses incurred while your policy is not in force, (in SC/TN: subject to the Extension of Benefits provisions) b) services of the type not covered by Medicare, unless specifically provided by the policy. Preventive Benefits are subject to the following exclusions: 1. Dental services defined by American Dental Association Current Dental Terminology (CDT) codes; 2. Chiropractic services, acupuncture and acupressure services; 3. Weight loss treatment of any type; 4. Prescription drugs or over-the-counter drugs or supplements; 5. All vision services; 6. Experimental preventive services; 7. Any test, screening or procedure to determine the likelihood of developing or passing on to children any disease or disorder, including but not limited to genetic testing.

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 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; In OK: L030OK, L035OK, L036OK, L037OK; in TN: L030TN, L035TN, L036TN, L037TN, L038TN, F001TN, F002TN). Please note that our products are not available in all states.

Part A Hospital Expenses for 2019 Percentage Covered
Part A initial hospital deductible (each benefit period)
Daily rate for days 61-90 in a hospital
Hospital: Daily rate for days 91-100 (lifetime reserve)
First 3 pints of blood each year
100% of eligible expenses for 365 additional days after Medicare benefits end
Daily rate for days 21-100 in a skilled nursing facility
Hospice care coinsurance
Part B Physician Services and Supplies (Medical Services) for 2019 Percentage Covered
Part B annual deductible
Part B coinsurance — percentage of Medicare-approved amount (after Part B deductible)
100% of Medicare Part B excess charges
Foreign travel — coverage when traveling outside the USA
Covered Preventive Care*