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Medigap Plans

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On this page we help consumers learn more about Medicare Supplements sold by American Retirement Life in the state of Florida. Call 1-855-728-0510 (TTY 711) for plan assistance.

This page contains editorial content that is not endorsed or approved by American Retirement Life Insurance Co (a Cigna company)[2]. This is not a solicitation of insurance.

Which Supplemental Medicare Plans Does American Retirement Life Offer in Florida?

American Retirement Life Insurance Co (a Cigna company) offers 4 of the standardized Medigap policies in Florida. Each Medigap plan offers a different range of coverage (see comparison chart or check out our review). Here's a quick look at American Retirement Life's offering:

Plans Offered by American Retirement Life Plan TypePremium[3]Rating TypeEffectiveMedigap Plan AMedicare Supplement Plan A is often confused with Medicare Part A, which is the Medicare coverage that pays for your inpatient hospital care. Medicare Supplement Plan A, which is also known as Medigap Plan A,... $134.00 Issue Age Get a Quote Medigap Plan FMedicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services. $191.43 Issue Age Get a Quote Medigap Plan GIf you're turning age 65 this year, Medicare Supplement Plan G is the most comprehensive Medicare supplement you can buy. It's also the most popular. You might be thinking that Medicare Supplement Plan F is... $172.29 Issue Age Get a Quote Medigap Plan NMedicare Supplemental Plan N is one of the ten standardized Medigap plans. Although it is one of the newest plans available, Medicare Plan N is quickly becoming a favorite with Baby Boomers aging into their... $137.83 Issue Age Get a Quote

Issue-Age Rated Medigap Plans: With an Issue Age rated plan your monthly premium is based on your age you're first issued coverage. For instance, if your get your policy at age 65 and your premium is $125, it may remain the same rate until age 72. However, you're age 72 when you enroll, your premium might start at $170, but would not increase based on by your age. PremiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums.  will increase with inflation.

Call 1-855-728-0510 (TTY 711) for plan assistance.

If you qualify for Medicare and don't know where to start, MedicareEnrollment.com, an independent HealthCompare insurance broker, has licensed agents who can help you with your Medicare enrollment options.

The table below outlines the coverage of each American Retirement Life Medicare Supplement:

Medigap Plan Benefits

American Retirement Life scored 3.0 out of 5.0 based on our scoring method. American Retirement Life has a good financial rating from A.M. Best, but their Plan F is not in the top 10 best rates and they have less than 10 years experience servicing Medicare SupplementsMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage.. Plus, they ding you with a $20.00 policy fee. We are confident in their financial strength, but feel there are better options in Florida. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

• Excellent financial strength.

Cons

• Plan F premium not in top 10 best.
• Less than 10 years in the Medicare Supplements business.
• Does not offer Medicare SELECTMedicare SELECT is a type of Medigap policy (Medicare supplement plan) that requires its members to get their primary care from a contracted provider. plans.
• Does not offer the 5 most popular plans.
• Charges a fee to write the policy.

About This Review

We reviewed American Retirement Life's Medicare supplement plan offering in Florida versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.

American Retirement Life Medigap Plan F vs. Competition

Plan F is the most popular plan sold by American Retirement Life in Florida. The table below gives you an idea of rates by the top ten vs. American Retirement Life.

Compare Plan F Base Rates

Contact American Retirement Life Medigap Sales

For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Eligibility

American Retirement Life Medicare Supplements are available to all Florida beneficiaries, ages 65 and older, who are enrolled in Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services.. If you are just turning age 65, you have guaranteed issue rightsGuaranteed-issue is a right granted to Medicare beneficiaries and applies to Medicare Supplement insurance (aka, Medigap plans). All states and the federal government enforce this essential right, which protects Medicare beneficiaries from medical underwriting. and cannot be turned down by American Retirement Life. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.

Availability

American Retirement Life services Medicare supplement insurance in Miami, Fort Lauderdale, West Palm Beach, Tampa, Saint Petersburg, Clearwater, Orlando, Kissimmee, Sanford, Jacksonville, North Port, Sarasota, Bradenton, Cape Coral, Fort Myers, Lakeland, Winter Haven, Deltona, Daytona Beach, Ormond Beach, Palm Bay, Melbourne, Titusville, and most other Florida cities.

Related Medicare Supplement Insurance Topics

• Do I really Need Supplemental Insurance with Medicare??
• Is Medicare Plan G Better Than Plan F?
• What is the Average Cost of Supplemental Insurance for Seniors?

On this page our goal is to help consumers: Compare American Retirement Life Medigap plans in Florida with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by , and was last updated on July 11, 2022.