M ONTANA
MEDICARE SUPPLEMENT INSURANCE 2016-2017 Rate Comparison Guide
COMMISSIONER OF SECURITIES & INSURANCE MONICA J. LINDEEN COMMISSIONER
MONTANA STATE AUDITOR
Dear Montanan: My office is pleased to provide you with the 2016-2017 Medicare Supplement Insurance Rate Comparison Guide. I hope you will find it useful as you begin the process of determining which insurer is right for you. As always, being an informed consumer will help you make the best possible choice. This guide gives you a general idea of rates available in Montana. The annual premium rates listed in this rate guide reflect data from surveys completed by the insurers in the Spring of 2016. Only those insurers who respond to the survey are included in this guide. Rate change requests submitted after the publication date in May are not reflected in this guide. For specific and most accurate information, please contact the individual insurance companies.
One of my goals as Commissioner of Securities & Insurance is to help you be an informed buyer.
Comparison shopping takes time, but can save you money. I encourage you to put this guide to work for you. Shop carefully, and contact our office if you have questions. Our knowledgeable staff is dedicated to assisting you with a wide range of insurance issues. Please call us toll-free at 1-800-332-6148 or from Helena at 444-2040. You will also find more useful information on our website at www.csimt.gov. Sincerely,
Commissioner of Securities & Insurance Office of the Montana State Auditor Phone: 1-800-332-6148 / (406) 444-2040 / Main Fax: (406) 444-3497 Securities Fax: (406) 444-5558 / PHS Fax: (406) 444-1980 / Legal Fax: (406) 444-3499 840 Helena Ave., Helena, MT 59601 Website: www.csimt.gov E-Mail: csi@mt.gov
TABLE
OF
CONTENTS
Medicare Supplement Benefit Plans At-a-Glance
page 3
Medicare Supplement Rate Charts Plans A-N
pages 4-11
Company Contact Information
pages 12-13
INTRODUCTION What is Medicare Supplement Insurance? Medicare Supplement insurance, sold by private companies, can help pay some of the health care costs that Medicare does not cover, such as copayments, coinsurance and deductibles. If you have Medicare and you buy a supplemental policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs; then your Medicare Supplement policy pays its share. Some policies also offer additional coverage, like medical care when you travel outside the U.S.
How to compare Medicare Supplement Policies Medicare Supplement policies are standardized. Every Medicare Supplement policy must follow federal and state laws designed to protect you. Insurance companies can only sell a “standardized� policy identified with a letter (Plan A, for example). All policies offer the same basic benefits but some feature additional benefits, so you can choose which one meets your needs. Please refer to the chart on page 3 for an outline of benefits. The premiums listed in the rate tables are for a standard policy, unless otherwise noted.
1
Eight things to know about Medicare Supplement Insurance Policies 1. You must have Medicare Part A and Part B. 2. If you have a Medicare Advantage Plan, you can apply for a Medicare Supplement policy, but make sure you can leave the Medicare Advantage Plan before your supplement policy begins. 3. You pay the private insurance company a monthly premium for your supplemental policy in addition to the monthly Part B premium that you pay to Medicare. 4. A supplemental policy only covers one person; if you and your spouse want supplemental coverage, you must each buy separate policies. 5. You can buy a Medicare Supplement policy from any insurance company that is licensed in Montana to sell one. 6. Any standardized Medicare Supplement is guaranteed renewable even if you have health problems. (This means the insurance company cannot cancel your policy as long as you pay the premium.) 7. Since January 1, 2006, supplemental policies are not allowed to cover prescription drugs. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). 8. It is illegal for anyone to sell you a supplemental policy if you have a Medicare Medical Savings Account (MSA) Plan.
Medicare Supplements for under age 65 Featured companies also offer policies to those under age 65 and on Medicare for disability reasons.
Definitions Unless otherwise noted, the following companies base their premiums on attained age which means the premium is based on your age and will increase as you get older. Some plans also include rates for issue age which means the premium is based on the age that you purchased the policy. Community-rated pricing means premiums are generally priced the same for everyone who has that Medicare Supplement plan. The age of the beneficiary does not affect the premium price.
Other rate comparisons also available online Use the Commissioner of Securities and Insurance website for quick and easy comparisons of auto, home and long-term care insurance.
www.csimt.gov/your-insurance
2
10 Standardized Medicare Supplement Benefit Plans At-a-Glance How to read the chart: √ = policy covers 100% of benefit % = policy covers that percentage of the benefit Blank = policy does not cover that benefit
Basic Benefits
A
B
C
D
F*
G
K
L
M
N
Part A: Hospital coinsurance (Days 61 - 90)
√
√
√
√
√
√
√
√
√
√
Part A: Hospice care coinsurance or copay
√
√
√
√
√
√
50%
75%
√
√
Medicare preventive care Part B coinsurance
√
√
√
√
√
√
√
√
√
√
Parts A and B: Blood
√
√
√
√
√
√
50%
75%
√
√
Part B: Coinsurance or copay
√
√
√
√
√
√
50%
75%
√
√**
Additional Benefits
A
B
C
D
F*
G
K
L
M
N
√
√
√
√
50%
75%
√
√
√
√
√
√
50%
75%
50%
√
80%
80%
Skilled nursing facility care coinsurance Part A deductible Part B deductible
√
√
√
Part B excess charges Foreign travel emergency
80%
80%
√
√
80%
80% $4,960
Out-of-pocket yearly limit
$2,480
Core benefits pay the patient’s share of Medicare’s approved amount for physician services 20% after a $166 annual deductible in 2016, the patient’s cost of a long hospital stay ($322/day for days 61-90, $644/day for days 91-150, all approved costs not paid by Medicare after day 150 to a total of 365 days lifetime) and charges for the first three pints of blood not covered by Medicare. *Plan F also offers a high-deductible plan. You pay for Medicare covered costs up to the deductible amount ($2,180 in 2016) before your Medicare Supplement plan pays anything. Out-of-pocket expenses include the Medicare deductibles for Part A and B that would ordinarily be paid by the policy, but do not include the foreign emergency travel deductible. **Plan N pays 100% of the Part B coinsurance except up to $20 co-pays for office visits and up to $50 copays for emergency room visits (if the hospital admits you, the plan waives your emergency room co-pays). 3
Standard Non Tobacco Rates (Annual Premium)
PLAN A Company AARP/UnitedHealthcare (Community Rated) Aetna Health & Life American Republic Corp American Retirement Life Americo Financial Life & Annuity Assured Life Association Bankers Fidelity Life (Issue Age) Blue Cross Blue Shield of Montana Blue Cross Blue Shield of Montana (Issue Age) Central States Indemnity Colonial Penn Combined Insurance Company of America Equitable Life & Casualty (Issue Age) Everence Association Gerber Life Insurance Company Globe Life And Accident Insurance Co. Humana Insurance Company KSKJ Life-American Slovenian Catholic Union Manhattan Life Medico Insurance Company New West Health Services Old Surety Life (Issue Age) Order of United Commercial Travelers Reserve National Insurance Company Sentinel Security Life Insurance Company Standard Life & Accident Insurance Company State Farm Mutual Automobile Ins. Co. State Mutual Insurance Company Thrivent Financial for Lutherans United American United of Omaha Life USAA Life
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$2,604 $3,925 $4,135 $5,294 $3,700 $3,638 $4,275 #N/A $2,933 $3,579 $3,981 $4,652 $5,763 $4,648 $4,775 $2,793 $3,441 $3,481 $4,229 $4,164 $3,540 $1,495 $4,374 $5,774 $3,446 $6,429 $4,161 $3,881 $2,582 $3,702 $3,482 $2,024
$960 $1,157 $1,356 $1,305 $1,233 $1,237 $1,425 $1,159 $1,574 $943 $1,578 $1,308 $1,779 $1,162 $1,506 $807 $1,377 $1,160 $1,208 $1,068 $1,200 $894 $1,458 $1,489 $1,197 $2,081 $953 $1,293 $1,082 $1,160 $1,161 $1,510
$1,001 $1,189 $1,356 $1,305 $1,233 $1,237 $1,425 $1,196 $1,574 $943 $1,635 $1,352 $1,778 $1,162 $1,558 $871 $1,423 $1,160 $1,208 $1,068 $1,236 $932 $1,534 $1,489 $1,197 $2,112 $1,020 $1,293 $1,112 $1,226 $1,161 $1,544
$1,042 $1,220 $1,356 $1,363 $1,233 $1,292 $1,450 $1,235 $1,750 $943 $1,706 $1,413 $1,797 $1,220 $1,627 $933 $1,480 $1,217 $1,208 $1,068 $1,284 $962 $1,611 $1,489 $1,250 $2,142 $1,077 $1,355 $1,142 $1,282 $1,161 $1,575
$1,083 $1,252 $1,356 $1,421 $1,286 $1,334 $1,514 $1,274 $1,750 $1,004 $1,780 $1,458 $1,797 $1,273 $1,680 $992 $1,539 $1,272 $1,262 $1,107 $1,320 $994 $1,679 $1,552 $1,291 $2,173 $1,125 $1,418 $1,190 $1,334 $1,211 $1,608
$1,124 $1,282 $1,431 $1,478 $1,338 $1,375 $1,539 $1,315 $1,750 $1,047 $1,855 $1,503 $1,823 $1,316 $1,732 $1,042 $1,592 $1,326 $1,313 $1,147 $1,368 $1,038 $1,755 $1,614 $1,331 $2,197 $1,163 $1,478 $1,239 $1,391 $1,260 $1,640
$1,165 $1,313 $1,497 $1,534 $1,388 $1,414 $1,590 $1,368 $1,986 $1,085 $1,933 $1,545 $1,846 $1,355 $1,781 $1,095 $1,646 $1,381 $1,366 $1,188 $1,428 $1,073 $1,824 $1,674 $1,368 $2,231 $1,202 $1,535 $1,286 $1,446 $1,310 $1,671
$1,508 $1,343 $1,558 $1,580 $1,429 $1,451 $1,615 $1,416 $1,986 $1,122 $2,013 $1,585 $1,865 $1,392 $1,828 $1,120 $1,702 $1,433 $1,420 $1,232 $1,488 $1,107 $1,894 $1,724 $1,404 $2,272 $1,239 $1,597 $1,330 $1,489 $1,360 $1,705
$1,508 $1,373 $1,613 $1,625 $1,470 $1,487 $1,666 $1,466 $1,986 $1,157 $2,095 $1,623 $1,879 $1,424 $1,872 $1,126 $1,760 $1,486 $1,478 $1,274 $1,536 $1,140 $1,960 $1,775 $1,438 $2,301 $1,277 $1,654 $1,373 $1,508 $1,409 $1,736
$1,508 $1,397 $1,664 $1,671 $1,512 $1,518 $1,717 $1,516 $1,986 $1,191 $2,179 $1,657 $1,888 $1,456 $1,912 $1,139 $1,820 $1,538 $1,522 $1,315 $1,584 $1,166 $2,023 $1,824 $1,469 $2,349 $1,316 $1,712 $1,411 $1,516 $1,459 $1,763
$1,508 $1,422 $1,712 $1,717 $1,554 $1,545 $1,743 $1,567 $1,986 $1,227 $2,265 $1,687 $1,908 $1,484 $1,946 $1,149 $1,882 $1,590 $1,568 $1,353 $1,644 $1,188 $2,080 $1,875 $1,495 $2,404 $1,354 $1,769 $1,447 $1,516 $1,509 $1,789
$1,508 $1,447 $1,758 $1,765 $1,596 $1,569 $1,781 $1,641 $2,267 $1,254 $2,354 $1,711 $1,922 $1,511 $1,975 $1,167 $1,947 $1,639 $1,614 $1,388 $1,680 $1,208 $2,132 $1,925 $1,533 $2,476 $1,392 $1,827 $1,478 $1,516 $1,549 $1,818
$1,508 $1,471 $1,803 $1,806 $1,625 $1,591 $1,819 $1,700 $2,267 $1,291 $2,446 $1,735 $1,935 $1,537 $2,003 $1,177 $2,013 $1,688 $1,663 $1,419 $1,728 $1,230 $2,181 $1,950 $1,585 $2,556 $1,430 $1,880 $1,505 $1,516 $1,589 $1,844
$1,508 $1,495 $1,847 $1,847 $1,654 $1,612 $1,844 $1,761 $2,267 $1,334 $2,539 $1,756 $1,946 $1,563 $2,029 $1,177 $2,082 $1,736 $1,713 $1,445 $1,764 $1,251 $2,227 $1,975 $1,606 $2,644 $1,468 $1,932 $1,528 $1,516 $1,648 $1,875
$1,508 $1,510 $1,893 $1,892 $1,685 $1,631 $1,870 $1,824 $2,267 $1,376 $2,636 $1,777 $1,952 $1,587 $2,053 $1,177 $2,145 $1,782 $1,764 $1,466 $1,788 $1,279 $2,270 $2,001 $1,641 $2,740 $1,506 $1,984 $1,547 $1,516 $1,708 $1,891
$1,508 $1,524 $1,940 $1,937 $1,716 $1,649 $1,908 $1,889 $2,267 $1,408 $2,686 $1,795 $1,966 $1,609 $2,075 $1,182 $2,197 $1,823 $1,817 $1,484 $1,812 $1,304 $2,313 $2,026 $1,659 $2,841 $1,535 $2,030 $1,563 $1,516 $1,768 $1,914
$1,508 $1,539 $1,987 $1,982 $1,747 $1,667 $1,921 $1,958 $2,641 $1,445 $2,737 $1,813 $1,976 $1,631 $2,098 $1,182 $2,250 $1,862 $2,160 $1,497 $1,824 $1,331 $2,348 $2,051 $1,677 $2,953 $1,563 $2,075 $1,577 $1,516 $1,827 $1,934
2016-2017 Medicare Supplement Rate Comparison Guide
Standard Non Tobacco Rates (Annual Premium)
PLAN B Company AARP/UnitedHealthcare Aetna Health & Life Assured Life Association Central States Indemnity Colonial Penn Globe Life And Accident Insurance Co. Humana Insurance Company KSKJ Life-American Slovenian Catholic Union Order of United Commercial Travelers Sentinel Security Life Insurance Company Standard Life & Accident Insurance Company State Mutual Insurance Company Thrivent Financial for Lutherans United American
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$3,609 $4,495 $4,241 $4,181 $4,100 $5,456 $3,745 $4,234 $5,663 $3,792 $7,320 $4,525 $3,052 $6,876
$1,329 $1,301 $1,428 $1,102 $1,617 $1,246 $1,498 $1,411 $1,888 $1,317 $2,369 $1,509 $1,213 $1,908
$1,386 $1,343 $1,428 $1,102 $1,680 $1,324 $1,549 $1,411 $1,986 $1,317 $2,404 $1,509 $1,235 $2,026
$1,443 $1,384 $1,488 $1,102 $1,750 $1,413 $1,611 $1,481 $2,085 $1,373 $2,439 $1,581 $1,284 $2,130
$1,500 $1,424 $1,536 $1,172 $1,821 $1,505 $1,675 $1,547 $2,173 $1,417 $2,474 $1,654 $1,341 $2,225
$1,557 $1,464 $1,586 $1,222 $1,895 $1,583 $1,732 $1,613 $2,270 $1,462 $2,502 $1,724 $1,399 $2,334
$1,614 $1,503 $1,634 $1,266 $1,970 $1,659 $1,792 $1,680 $2,360 $1,507 $2,540 $1,794 $1,457 $2,437
$2,089 $1,543 $1,680 $1,309 $2,048 $1,720 $1,853 $1,742 $2,451 $1,549 $2,586 $1,862 $1,513 $2,526
$2,089 $1,581 $1,724 $1,350 $2,128 $1,742 $1,916 $1,808 $2,535 $1,590 $2,620 $1,931 $1,566 $2,579
$2,089 $1,620 $1,764 $1,392 $2,211 $1,770 $1,981 $1,870 $2,616 $1,627 $2,674 $1,999 $1,620 $2,612
$2,089 $1,657 $1,802 $1,432 $2,295 $1,793 $2,049 $1,932 $2,692 $1,661 $2,737 $2,066 $1,670 $2,633
$2,089 $1,696 $1,834 $1,464 $2,383 $1,826 $2,119 $1,994 $2,759 $1,708 $2,819 $2,131 $1,718 $2,652
$2,089 $1,732 $1,867 $1,508 $2,472 $1,857 $2,191 $2,053 $2,822 $1,772 $2,910 $2,195 $1,762 $2,662
$2,089 $1,770 $1,897 $1,557 $2,564 $1,857 $2,266 $2,111 $2,884 $1,801 $3,010 $2,256 $1,803 $2,662
$2,089 $1,803 $1,925 $1,605 $2,659 $1,859 $2,334 $2,166 $2,940 $1,845 $3,120 $2,316 $1,840 $2,662
$2,089 $1,837 $1,952 $1,642 $2,717 $1,869 $2,391 $2,217 $2,990 $1,871 $3,235 $2,369 $1,875 $2,662
$2,089 $1,870 $1,980 $1,686 $2,776 $1,869 $2,449 $2,265 $3,039 $1,897 $3,363 $2,420 $1,906 $2,662
2016-2017 Medicare Supplement Rate Comparison Guide
Standard Non Tobacco Rates (Annual Premium)
PLAN C Company AARP/UnitedHealthcare Assured Life Association Blue Cross Blue Shield of Montana Blue Cross Blue Shield of Montana (Issue Age) Central States Indemnity Globe Life And Accident Insurance Company Humana Insurance Company KSKJ Life-American Slovenian Catholic Union Manhattan Life New West Health Services Order of United Commercial Travelers Reserve National Insurance Company Sentinel Security Life Insurance Company Standard Life & Accident Insurance Company State Farm Mutual Automobile Ins. Co. State Mutual Insurance Company Thrivent Financial for Lutherans United American
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$4,314 $5,247 #N/A $4,062 $5,009 $5,110 $4,399 $4,809 $5,673 $4,932 $6,214 $6,903 $4,675 $8,322 $4,842 $5,422 $4,290 $7,399
$1,590 $1,755 $1,605 $2,179 $1,320 $1,464 $1,760 $1,603 $1,621 $1,656 $2,071 $1,768 $1,623 $2,694 $1,492 $1,808 $1,434 $2,256
$1,658 $1,755 $1,658 $2,179 $1,320 $1,537 $1,819 $1,603 $1,621 $1,728 $2,173 $1,768 $1,623 $2,733 $1,596 $1,808 $1,472 $2,390
$1,726 $1,830 $1,711 $2,424 $1,320 $1,632 $1,892 $1,685 $1,621 $1,776 $2,280 $1,768 $1,693 $2,773 $1,686 $1,892 $1,514 $2,508
$1,794 $1,891 $1,766 $2,424 $1,402 $1,723 $1,968 $1,761 $1,694 $1,836 $2,388 $1,839 $1,749 $2,812 $1,761 $1,978 $1,574 $2,629
$1,862 $1,953 $1,822 $2,424 $1,462 $1,803 $2,035 $1,835 $1,762 $1,908 $2,491 $1,910 $1,806 $2,845 $1,821 $2,061 $1,636 $2,768
$1,930 $2,014 $1,895 $2,750 $1,516 $1,878 $2,104 $1,914 $1,832 $1,992 $2,580 $1,977 $1,862 $2,888 $1,880 $2,148 $1,698 $2,901
$2,498 $2,072 $1,964 $2,750 $1,572 $1,958 $2,176 $1,992 $1,905 $2,052 $2,670 $2,042 $1,917 $2,941 $1,940 $2,236 $1,761 $3,021
$2,498 $2,129 $2,033 $2,750 $1,627 $2,035 $2,250 $2,072 $1,981 $2,124 $2,754 $2,106 $1,969 $2,979 $1,999 $2,328 $1,823 $3,110
$2,498 $2,181 $2,101 $2,750 $1,684 $2,079 $2,327 $2,153 $2,041 $2,220 $2,828 $2,172 $2,016 $3,041 $2,060 $2,418 $1,887 $3,169
$2,498 $2,229 $2,175 $2,750 $1,735 $2,115 $2,406 $2,229 $2,102 $2,304 $2,902 $2,236 $2,061 $3,112 $2,119 $2,502 $1,952 $3,215
$2,498 $2,272 $2,278 $3,139 $1,777 $2,162 $2,489 $2,302 $2,165 $2,376 $2,968 $2,301 $2,122 $3,205 $2,179 $2,587 $2,017 $3,257
$2,498 $2,315 $2,359 $3,139 $1,830 $2,204 $2,574 $2,371 $2,230 $2,460 $3,024 $2,347 $2,204 $3,308 $2,238 $2,664 $2,085 $3,291
$2,498 $2,356 $2,443 $3,139 $1,891 $2,232 $2,661 $2,439 $2,297 $2,556 $3,076 $2,393 $2,242 $3,422 $2,297 $2,737 $2,152 $3,337
$2,498 $2,394 $2,532 $3,139 $1,948 $2,260 $2,741 $2,501 $2,366 $2,652 $3,123 $2,439 $2,300 $3,547 $2,358 $2,811 $2,222 $3,384
$2,498 $2,431 $2,623 $3,139 $1,994 $2,292 $2,808 $2,561 $2,437 $2,724 $3,167 $2,485 $2,336 $3,678 $2,402 $2,877 $2,293 $3,434
$2,498 $2,469 $2,719 $3,658 $2,046 $2,328 $2,876 $2,617 $2,896 $2,820 $3,209 $2,531 $2,371 $3,823 $2,447 $2,938 $2,364 $3,518
Standard Non Tobacco Rates (Annual Premium)
PLAN D Company Assured Life Association KSKJ Life-American Slovenian Catholic Union New West Health Services Order of United Commercial Travelers Sentinel Security Life Insurance Company Standard Life and Accident Insurance Company State Mutual Insurance Company Thrivent Financial for Lutherans United American
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$4,048 $4,081 $4,176 $5,517 $3,781 $5,015 $4,744 $3,738 $7,183
$1,351 $1,360 $1,404 $1,839 $1,313 $1,623 $1,581 $1,234 $2,080
$1,351 $1,360 $1,476 $1,932 $1,313 $1,647 $1,581 $1,272 $2,213
$1,409 $1,427 $1,524 $2,028 $1,369 $1,671 $1,658 $1,312 $2,336
$1,456 $1,492 $1,584 $2,114 $1,414 $1,695 $1,732 $1,371 $2,458
$1,504 $1,556 $1,656 $2,210 $1,461 $1,714 $1,808 $1,431 $2,596
$1,551 $1,618 $1,740 $2,297 $1,507 $1,740 $1,882 $1,493 $2,725
$1,597 $1,680 $1,812 $2,385 $1,551 $1,772 $1,954 $1,554 $2,850
$1,641 $1,743 $1,896 $2,469 $1,594 $1,795 $2,026 $1,614 $2,939
$1,682 $1,803 $1,968 $2,547 $1,633 $1,832 $2,095 $1,676 $2,999
$1,720 $1,862 $2,052 $2,619 $1,670 $1,875 $2,164 $1,740 $3,045
$1,754 $1,921 $2,148 $2,685 $1,720 $1,931 $2,232 $1,804 $3,085
$1,788 $1,980 $2,220 $2,746 $1,788 $1,993 $2,301 $1,869 $3,119
$1,820 $2,035 $2,316 $2,805 $1,820 $2,062 $2,365 $1,936 $3,167
$1,850 $2,090 $2,400 $2,860 $1,868 $2,137 $2,429 $2,003 $3,215
$1,880 $2,137 $2,484 $2,909 $1,898 $2,216 $2,486 $2,073 $3,263
$1,910 $2,184 $2,568 $2,956 $1,927 $2,304 $2,537 $2,142 $3,349
2016-2017 Medicare Supplement Rate Comparison Guide
Standard Non Tobacco Rates (Annual Premium)
PLAN C Company AARP/UnitedHealthcare Assured Life Association Blue Cross Blue Shield of Montana Blue Cross Blue Shield of Montana (Issue Age) Central States Indemnity Globe Life And Accident Insurance Company Humana Insurance Company KSKJ Life-American Slovenian Catholic Union Manhattan Life New West Health Services Order of United Commercial Travelers Reserve National Insurance Company Standard Life and Accident Insurance Company Standard Life & Accident State Farm Mutual Automobile Ins. Co. State Mutual Insurance Company Thrivent Financial for Lutherans United American
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$4,314 $5,247 #N/A $4,062 $5,009 $5,110 $4,399 $4,809 $5,673 $4,932 $6,214 $6,903 $4,675 $8,322 $4,842 $5,422 $4,290 $7,399
$1,590 $1,755 $1,605 $2,179 $1,320 $1,464 $1,760 $1,603 $1,621 $1,656 $2,071 $1,768 $1,623 $2,694 $1,492 $1,808 $1,434 $2,256
$1,658 $1,755 $1,658 $2,179 $1,320 $1,537 $1,819 $1,603 $1,621 $1,728 $2,173 $1,768 $1,623 $2,733 $1,596 $1,808 $1,472 $2,390
$1,726 $1,830 $1,711 $2,424 $1,320 $1,632 $1,892 $1,685 $1,621 $1,776 $2,280 $1,768 $1,693 $2,773 $1,686 $1,892 $1,514 $2,508
$1,794 $1,891 $1,766 $2,424 $1,402 $1,723 $1,968 $1,761 $1,694 $1,836 $2,388 $1,839 $1,749 $2,812 $1,761 $1,978 $1,574 $2,629
$1,862 $1,953 $1,822 $2,424 $1,462 $1,803 $2,035 $1,835 $1,762 $1,908 $2,491 $1,910 $1,806 $2,845 $1,821 $2,061 $1,636 $2,768
$1,930 $2,014 $1,895 $2,750 $1,516 $1,878 $2,104 $1,914 $1,832 $1,992 $2,580 $1,977 $1,862 $2,888 $1,880 $2,148 $1,698 $2,901
$2,498 $2,072 $1,964 $2,750 $1,572 $1,958 $2,176 $1,992 $1,905 $2,052 $2,670 $2,042 $1,917 $2,941 $1,940 $2,236 $1,761 $3,021
$2,498 $2,129 $2,033 $2,750 $1,627 $2,035 $2,250 $2,072 $1,981 $2,124 $2,754 $2,106 $1,969 $2,979 $1,999 $2,328 $1,823 $3,110
$2,498 $2,181 $2,101 $2,750 $1,684 $2,079 $2,327 $2,153 $2,041 $2,220 $2,828 $2,172 $2,016 $3,041 $2,060 $2,418 $1,887 $3,169
$2,498 $2,229 $2,175 $2,750 $1,735 $2,115 $2,406 $2,229 $2,102 $2,304 $2,902 $2,236 $2,061 $3,112 $2,119 $2,502 $1,952 $3,215
$2,498 $2,272 $2,278 $3,139 $1,777 $2,162 $2,489 $2,302 $2,165 $2,376 $2,968 $2,301 $2,122 $3,205 $2,179 $2,587 $2,017 $3,257
$2,498 $2,315 $2,359 $3,139 $1,830 $2,204 $2,574 $2,371 $2,230 $2,460 $3,024 $2,347 $2,204 $3,308 $2,238 $2,664 $2,085 $3,291
$2,498 $2,356 $2,443 $3,139 $1,891 $2,232 $2,661 $2,439 $2,297 $2,556 $3,076 $2,393 $2,242 $3,422 $2,297 $2,737 $2,152 $3,337
$2,498 $2,394 $2,532 $3,139 $1,948 $2,260 $2,741 $2,501 $2,366 $2,652 $3,123 $2,439 $2,300 $3,547 $2,358 $2,811 $2,222 $3,384
$2,498 $2,431 $2,623 $3,139 $1,994 $2,292 $2,808 $2,561 $2,437 $2,724 $3,167 $2,485 $2,336 $3,678 $2,402 $2,877 $2,293 $3,434
$2,498 $2,469 $2,719 $3,658 $2,046 $2,328 $2,876 $2,617 $2,896 $2,820 $3,209 $2,531 $2,371 $3,823 $2,447 $2,938 $2,364 $3,518
2016-2017 Medicare Supplement Rate Comparison Guide
Standard Non Tobacco Rates (Annual Premium)
PLAN D Company Assured Life Association KSKJ Life-American Slovenian Catholic Union New West Health Services Order of United Commercial Travelers Sentinel Security Life Insurance Company Standard Life and Accident Insurance Company State Mutual Insurance Company Thrivent Financial for Lutherans United American
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$4,048 $4,081 $4,176 $5,517 $3,781 $5,015 $4,744 $3,738 $7,183
$1,351 $1,360 $1,404 $1,839 $1,313 $1,623 $1,581 $1,234 $2,080
$1,351 $1,360 $1,476 $1,932 $1,313 $1,647 $1,581 $1,272 $2,213
$1,409 $1,427 $1,524 $2,028 $1,369 $1,671 $1,658 $1,312 $2,336
$1,456 $1,492 $1,584 $2,114 $1,414 $1,695 $1,732 $1,371 $2,458
$1,504 $1,556 $1,656 $2,210 $1,461 $1,714 $1,808 $1,431 $2,596
$1,551 $1,618 $1,740 $2,297 $1,507 $1,740 $1,882 $1,493 $2,725
$1,597 $1,680 $1,812 $2,385 $1,551 $1,772 $1,954 $1,554 $2,850
$1,641 $1,743 $1,896 $2,469 $1,594 $1,795 $2,026 $1,614 $2,939
$1,682 $1,803 $1,968 $2,547 $1,633 $1,832 $2,095 $1,676 $2,999
$1,720 $1,862 $2,052 $2,619 $1,670 $1,875 $2,164 $1,740 $3,045
$1,754 $1,921 $2,148 $2,685 $1,720 $1,931 $2,232 $1,804 $3,085
$1,788 $1,980 $2,220 $2,746 $1,788 $1,993 $2,301 $1,869 $3,119
$1,820 $2,035 $2,316 $2,805 $1,820 $2,062 $2,365 $1,936 $3,167
$1,850 $2,090 $2,400 $2,860 $1,868 $2,137 $2,429 $2,003 $3,215
$1,880 $2,137 $2,484 $2,909 $1,898 $2,216 $2,486 $2,073 $3,263
$1,910 $2,184 $2,568 $2,956 $1,927 $2,304 $2,537 $2,142 $3,349
2016-2017 Medicare Supplement Rate Comparison Guide
Standard Non Tobacco Rates (Annual Premium)
PLAN F Company AARP/UnitedHealthcare (Community Rated) Aetna Health & Life American Republic Corp American Retirement Life Americo Financial Life & Annuity Assured Life Association Bankers Fidelity Life (Issue Age) Blue Cross Blue Shield of Montana Blue Cross Blue Shield of Montana (Issue Age) Central States Indemnity Colonial Penn Combined Insurance Company of America Equitable Life & Casualty (Issue Age) Everence Association Gerber Life Insurance Company Globe Life And Accident Insurance Co. Humana Insurance Company KSKJ Life-American Slovenian Catholic Union Manhattan Life Medico Insurance Company New West Health Services Old Surety Life (Issue Age) Order of United Commercial Travelers Reserve National Insurance Company Sentinel Security Life Insurance Company Standard Life & Accident Insurance Company State Farm Mutual Automobile Ins. Co. State Mutual Insurance Company Thrivent Financial for Lutherans United American United of Omaha Life USAA Life
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$4,338 $5,259 $4,802 $6,289 $4,590 $5,372 $5,925 #N/A $4,079 $5,203 $5,839 $5,584 $8,286 $5,682 $6,956 $3,926 $4,489 $5,012 $5,647 $5,705 $4,944 $2,942 $6,632 $6,968 $5,049 $6,844 $4,891 $5,629 $4,306 $5,225 $5,047 $2,305
$1,598 $1,513 $1,757 $1,542 $1,530 $1,797 $1,975 $1,627 $2,189 $1,371 $2,076 $1,508 $2,531 $1,421 $2,170 $1,470 $1,795 $1,671 $1,613 $1,404 $1,656 $1,543 $2,211 $1,785 $1,753 $2,215 $1,507 $1,876 $1,441 $1,988 $1,682 $1,720
$1,667 $1,563 $1,757 $1,542 $1,530 $1,797 $1,975 $1,680 $2,189 $1,371 $2,158 $1,558 $2,532 $1,421 $2,241 $1,548 $1,857 $1,671 $1,613 $1,404 $1,728 $1,597 $2,303 $1,785 $1,753 $2,248 $1,613 $1,876 $1,480 $2,103 $1,682 $1,752
$1,735 $1,614 $1,757 $1,609 $1,530 $1,874 $2,026 $1,734 $2,434 $1,371 $2,242 $1,610 $2,561 $1,491 $2,337 $1,638 $1,931 $1,745 $1,613 $1,404 $1,788 $1,657 $2,399 $1,785 $1,828 $2,280 $1,702 $1,961 $1,521 $2,207 $1,682 $1,789
$1,803 $1,663 $1,757 $1,673 $1,591 $1,936 $2,064 $1,789 $2,434 $1,446 $2,330 $1,665 $2,563 $1,566 $2,414 $1,732 $2,008 $1,816 $1,685 $1,460 $1,848 $1,729 $2,501 $1,855 $1,888 $2,313 $1,778 $2,039 $1,582 $2,314 $1,754 $1,828
$1,872 $1,711 $1,853 $1,739 $1,653 $2,000 $2,127 $1,846 $2,434 $1,504 $2,421 $1,721 $2,602 $1,634 $2,494 $1,811 $2,076 $1,887 $1,753 $1,518 $1,920 $1,801 $2,598 $1,928 $1,951 $2,339 $1,838 $2,121 $1,644 $2,435 $1,827 $1,865
$1,941 $1,759 $1,940 $1,800 $1,711 $2,062 $2,190 $1,921 $2,761 $1,555 $2,516 $1,779 $2,637 $1,698 $2,571 $1,888 $2,147 $1,963 $1,823 $1,578 $1,992 $1,874 $2,693 $1,996 $2,011 $2,375 $1,899 $2,206 $1,706 $2,550 $1,899 $1,895
$2,511 $1,806 $2,018 $1,859 $1,767 $2,122 $2,241 $1,991 $2,761 $1,612 $2,614 $1,848 $2,667 $1,759 $2,646 $1,965 $2,220 $2,041 $1,896 $1,644 $2,064 $1,949 $2,785 $2,061 $2,070 $2,418 $1,959 $2,292 $1,769 $2,658 $1,971 $1,931
$2,511 $1,853 $2,090 $1,918 $1,823 $2,180 $2,291 $2,060 $2,761 $1,668 $2,717 $1,921 $2,692 $1,816 $2,718 $2,043 $2,296 $2,121 $1,972 $1,709 $2,148 $2,026 $2,873 $2,126 $2,126 $2,450 $2,019 $2,385 $1,833 $2,734 $2,043 $1,967
$2,511 $1,902 $2,156 $1,976 $1,879 $2,233 $2,367 $2,131 $2,761 $1,725 $2,824 $1,996 $2,707 $1,871 $2,785 $2,088 $2,374 $2,204 $2,031 $1,774 $2,220 $2,102 $2,951 $2,192 $2,178 $2,500 $2,079 $2,475 $1,897 $2,786 $2,115 $1,993
$2,511 $1,950 $2,218 $2,035 $1,935 $2,283 $2,405 $2,203 $2,761 $1,774 $2,936 $2,074 $2,741 $1,922 $2,846 $2,125 $2,455 $2,278 $2,091 $1,839 $2,304 $2,176 $3,028 $2,257 $2,225 $2,559 $2,140 $2,560 $1,962 $2,827 $2,187 $2,026
$2,511 $1,998 $2,278 $2,096 $1,992 $2,327 $2,443 $2,307 $3,151 $1,814 $3,053 $2,154 $2,763 $1,972 $2,901 $2,173 $2,539 $2,350 $2,155 $1,902 $2,400 $2,242 $3,096 $2,322 $2,291 $2,635 $2,200 $2,640 $2,027 $2,863 $2,245 $2,060
$2,511 $2,045 $2,335 $2,159 $2,042 $2,371 $2,519 $2,391 $3,151 $1,866 $3,175 $2,209 $2,785 $2,021 $2,955 $2,217 $2,626 $2,418 $2,220 $1,964 $2,472 $2,295 $3,154 $2,369 $2,380 $2,720 $2,260 $2,719 $2,095 $2,892 $2,302 $2,089
$2,511 $2,091 $2,393 $2,224 $2,092 $2,412 $2,557 $2,476 $3,151 $1,925 $3,304 $2,266 $2,802 $2,068 $3,007 $2,245 $2,716 $2,481 $2,285 $2,024 $2,568 $2,350 $3,210 $2,416 $2,421 $2,814 $2,320 $2,789 $2,162 $2,934 $2,389 $2,118
$2,511 $2,137 $2,452 $2,291 $2,144 $2,451 $2,583 $2,565 $3,151 $1,980 $3,438 $2,323 $2,817 $2,113 $3,056 $2,272 $2,797 $2,541 $2,354 $2,083 $2,652 $2,407 $3,260 $2,462 $2,484 $2,917 $2,381 $2,854 $2,233 $2,976 $2,475 $2,150
$2,511 $2,182 $2,513 $2,360 $2,197 $2,489 $2,621 $2,657 $3,151 $2,026 $3,536 $2,383 $2,835 $2,156 $3,103 $2,307 $2,865 $2,601 $2,425 $2,141 $2,736 $2,465 $3,306 $2,508 $2,522 $3,025 $2,427 $2,922 $2,304 $3,017 $2,562 $2,175
$2,511 $2,227 $2,575 $2,430 $2,251 $2,527 $2,659 $2,754 $3,672 $2,076 $3,642 $2,443 $2,856 $2,199 $3,150 $2,342 $2,935 $2,653 $2,882 $2,197 $2,820 $2,514 $3,348 $2,554 $2,561 $3,144 $2,471 $2,982 $2,375 $3,092 $2,648 $2,199
2016-2017 Medicare Supplement Rate Comparison Guide
Standard Non Tobacco Rates (Annual Premium)
PLAN F (High Deductible) Company Aetna Health & Life American Republic Corp Bankers Fidelity Life (Issue Age) Blue Cross Blue Shield of Montana Blue Cross Blue Shield of Montana (Issue Age) Colonial Penn Globe Life and Accident Humana Insurance Company New West Health Services Reserve National Insurance Company Standard Life and Accident Insurance Company State Mutual Insurance Company Thrivent Financial for Lutherans United American
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$2,104 $1,885 $1,944 #N/A $1,875 $1,052 $2,728 $1,478 $2,256 $2,610 #N/A $2,213 $1,298 $2,828
$606 $623 $648 $741 $1,006 $373 $331 $591 $756 $632 $322 $739 $430 $343
$625 $623 $648 $764 $1,006 $388 $359 $611 $780 $632 $327 $739 $444 $372
$645 $623 $672 $789 $1,118 $403 $387 $636 $804 $632 $332 $771 $460 $401
$664 $625 $696 $813 $1,118 $419 $406 $661 $840 $667 $336 $804 $482 $421
$685 $661 $708 $839 $1,118 $435 $427 $684 $864 $703 $340 $835 $505 $442
$704 $693 $720 $873 $1,270 $452 $447 $707 $900 $737 $345 $868 $525 $464
$722 $721 $744 $903 $1,270 $470 $465 $731 $948 $764 $352 $902 $552 $482
$742 $747 $768 $934 $1,270 $489 $491 $756 $984 $791 $356 $939 $577 $509
$761 $770 $780 $965 $1,270 $508 $513 $782 $1,020 $818 $364 $974 $601 $532
$780 $791 $804 $998 $1,270 $528 $533 $808 $1,044 $843 $372 $1,007 $626 $553
$799 $810 $816 $1,045 $1,449 $549 $553 $836 $1,080 $870 $383 $1,040 $653 $573
$817 $829 $828 $1,083 $1,449 $571 $560 $865 $1,116 $890 $396 $1,068 $679 $580
$837 $848 $840 $1,120 $1,449 $594 $567 $894 $1,164 $910 $409 $1,097 $707 $588
$855 $868 $864 $1,159 $1,449 $618 $575 $921 $1,212 $930 $424 $1,123 $735 $596
$873 $889 $876 $1,200 $1,449 $636 $582 $943 $1,248 $950 $440 $1,149 $764 $604
$890 $912 $876 $1,243 $1,689 $655 $598 $966 $1,284 $970 $457 $1,175 $794 $620
2016-2017 Medicare Supplemtn Rate Comparison Guide
Standard Non Tobacco Rates (Annual Premium)
PLAN G Company Aetna Health & Life American Retirement Life Americo Financial Life & Annuity Assured Life Association Bankers Fidelity Life Central States Indemnity Colonial Penn Combined Insurance Company of America Equitable Life & Casualty (Issue Age) Everence Association Gerber Life Insurance Company KSKJ Life-American Slovenian Catholic Union Manhattan Life Order of United Commercial Travelers Reserve National Insurance Company Standard Life and Accident Insurance Company State Mutual Insurance Company Thrivent Financial for Lutherans United American United of Omaha Life
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$4,081 $5,614 $3,800 $3,987 $4,197 $4,474 $4,447 $4,462 $4,838 $5,117 $5,457 $3,692 $5,142 $5,335 $6,256 $5,053 $4,764 $3,758 $7,062 $3,937
$1,170 $1,339 $1,267 $1,331 $1,399 $1,150 $1,457 $1,205 $1,613 $1,279 $1,700 $1,231 $1,469 $1,778 $1,561 $1,636 $1,588 $1,424 $1,933 $1,312
$1,210 $1,339 $1,267 $1,331 $1,399 $1,150 $1,518 $1,246 $1,613 $1,279 $1,755 $1,231 $1,469 $1,868 $1,561 $1,660 $1,588 $1,281 $2,058 $1,312
$1,249 $1,404 $1,267 $1,388 $1,476 $1,150 $1,584 $1,287 $1,613 $1,343 $1,830 $1,291 $1,469 $1,962 $1,561 $1,684 $1,666 $1,319 $2,169 $1,312
$1,288 $1,467 $1,323 $1,434 $1,514 $1,199 $1,653 $1,331 $1,684 $1,410 $1,890 $1,351 $1,534 $2,046 $1,630 $1,708 $1,743 $1,379 $2,281 $1,369
$1,327 $1,530 $1,380 $1,482 $1,577 $1,247 $1,725 $1,376 $1,758 $1,472 $1,953 $1,407 $1,601 $2,139 $1,701 $1,727 $1,818 $1,440 $2,410 $1,425
$1,364 $1,590 $1,434 $1,528 $1,654 $1,290 $1,799 $1,423 $1,826 $1,532 $2,015 $1,465 $1,663 $2,223 $1,766 $1,754 $1,890 $1,502 $2,531 $1,481
$1,402 $1,647 $1,485 $1,573 $1,704 $1,337 $1,877 $1,478 $1,892 $1,588 $2,074 $1,520 $1,723 $2,307 $1,830 $1,785 $1,963 $1,562 $2,644 $1,537
$1,440 $1,704 $1,537 $1,617 $1,781 $1,383 $1,958 $1,537 $1,958 $1,642 $2,132 $1,576 $1,783 $2,388 $1,894 $1,809 $2,035 $1,624 $2,726 $1,593
$1,479 $1,761 $1,589 $1,657 $1,844 $1,430 $2,042 $1,596 $2,023 $1,693 $2,184 $1,631 $1,843 $2,463 $1,958 $1,846 $2,105 $1,686 $2,782 $1,650
$1,517 $1,818 $1,641 $1,694 $1,908 $1,471 $2,130 $1,657 $2,089 $1,741 $2,234 $1,686 $1,903 $2,535 $2,022 $1,889 $2,177 $1,750 $2,823 $1,706
$1,556 $1,877 $1,693 $1,728 $1,972 $1,505 $2,222 $1,723 $2,157 $1,789 $2,279 $1,739 $1,965 $2,599 $2,085 $1,946 $2,246 $1,814 $2,862 $1,751
$1,594 $1,937 $1,739 $1,761 $2,035 $1,548 $2,318 $1,766 $2,222 $1,833 $2,323 $1,791 $2,026 $2,658 $2,131 $2,009 $2,313 $1,880 $2,894 $1,796
$1,632 $1,997 $1,784 $1,793 $2,073 $1,596 $2,419 $1,812 $2,288 $1,879 $2,365 $1,841 $2,088 $2,714 $2,176 $2,078 $2,378 $1,948 $2,936 $1,864
$1,670 $2,061 $1,832 $1,823 $2,124 $1,642 $2,525 $1,858 $2,357 $1,921 $2,405 $1,891 $2,152 $2,766 $2,221 $2,154 $2,441 $2,016 $2,981 $1,931
$1,708 $2,126 $1,879 $1,852 $2,188 $1,680 $2,602 $1,906 $2,427 $1,963 $2,444 $1,935 $2,218 $2,815 $2,267 $2,233 $2,498 $2,085 $3,026 $1,999
$1,745 $2,192 $1,928 $1,881 $2,226 $1,722 $2,685 $1,954 $2,500 $2,003 $2,483 $1,977 $2,983 $2,862 $2,312 $2,321 $2,551 $2,155 $3,107 $2,066
Under 65
65
66
67
68
69
$1,431 $2,401 $2,397 $1,818 $2,018 $3,637
$527 $832 $799 $581 $807 $1,009
$550 $832 $799 $594 $835 $1,084
$572 $832 $836 $619 $868 $1,150
$595 $832 $861 $645 $903 $1,208
$617 $877 $899 $673 $933 $1,267
Standard Non Tobacco Rates (Annual Premium)
PLAN K Company AARP/UnitedHealthcare American Republic Corp Bankers Fidelity Life Colonial Penn Humana Insurance Company United American
70
71
$640 $828 $918 $956 $936 $973 $703 $734 $965 $998 $1,345 $1,380
72
73
74
75
76
77
78
79
80
$828 $990 $1,011 $768 $1,032 $1,406
$828 $1,021 $1,048 $803 $1,067 $1,436
$828 $1,050 $1,086 $841 $1,104 $1,464
$828 $1,078 $1,123 $880 $1,142 $1,498
$828 $1,106 $1,148 $922 $1,181 $1,522
$828 $1,133 $1,173 $966 $1,221 $1,541
$828 $1,161 $1,211 $1,013 $1,258 $1,556
$828 $1,190 $1,236 $1,050 $1,288 $1,567
$828 $1,219 $1,248 $1,070 $1,319 $1,596
2016-2017 Medicare Supplement Rate Comparison Guide
Standard Non Tobacco Rates (Annual Premium)
PLAN G Company Aetna Health & Life American Retirement Life Americo Financial Life & Annuity Assured Life Association Bankers Fidelity Life Central States Indemnity Colonial Penn Combined Insurance Company of America Equitable Life & Casualty (Issue Age) Everence Association Gerber Life Insurance Company KSKJ Life-American Slovenian Catholic Union Manhattan Life Order of United Commercial Travelers Reserve National Insurance Company Standard Life and Accident Insurance Company State Mutual Insurance Company Thrivent Financial for Lutherans United American United of Omaha Life
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$4,081 $5,614 $3,800 $3,987 $4,197 $4,474 $4,447 $4,462 $4,838 $5,117 $5,457 $3,692 $5,142 $5,335 $6,256 $5,053 $4,764 $3,758 $7,062 $3,937
$1,170 $1,339 $1,267 $1,331 $1,399 $1,150 $1,457 $1,205 $1,613 $1,279 $1,700 $1,231 $1,469 $1,778 $1,561 $1,636 $1,588 $1,424 $1,933 $1,312
$1,210 $1,339 $1,267 $1,331 $1,399 $1,150 $1,518 $1,246 $1,613 $1,279 $1,755 $1,231 $1,469 $1,868 $1,561 $1,660 $1,588 $1,281 $2,058 $1,312
$1,249 $1,404 $1,267 $1,388 $1,476 $1,150 $1,584 $1,287 $1,613 $1,343 $1,830 $1,291 $1,469 $1,962 $1,561 $1,684 $1,666 $1,319 $2,169 $1,312
$1,288 $1,467 $1,323 $1,434 $1,514 $1,199 $1,653 $1,331 $1,684 $1,410 $1,890 $1,351 $1,534 $2,046 $1,630 $1,708 $1,743 $1,379 $2,281 $1,369
$1,327 $1,530 $1,380 $1,482 $1,577 $1,247 $1,725 $1,376 $1,758 $1,472 $1,953 $1,407 $1,601 $2,139 $1,701 $1,727 $1,818 $1,440 $2,410 $1,425
$1,364 $1,590 $1,434 $1,528 $1,654 $1,290 $1,799 $1,423 $1,826 $1,532 $2,015 $1,465 $1,663 $2,223 $1,766 $1,754 $1,890 $1,502 $2,531 $1,481
$1,402 $1,647 $1,485 $1,573 $1,704 $1,337 $1,877 $1,478 $1,892 $1,588 $2,074 $1,520 $1,723 $2,307 $1,830 $1,785 $1,963 $1,562 $2,644 $1,537
$1,440 $1,704 $1,537 $1,617 $1,781 $1,383 $1,958 $1,537 $1,958 $1,642 $2,132 $1,576 $1,783 $2,388 $1,894 $1,809 $2,035 $1,624 $2,726 $1,593
$1,479 $1,761 $1,589 $1,657 $1,844 $1,430 $2,042 $1,596 $2,023 $1,693 $2,184 $1,631 $1,843 $2,463 $1,958 $1,846 $2,105 $1,686 $2,782 $1,650
$1,517 $1,818 $1,641 $1,694 $1,908 $1,471 $2,130 $1,657 $2,089 $1,741 $2,234 $1,686 $1,903 $2,535 $2,022 $1,889 $2,177 $1,750 $2,823 $1,706
$1,556 $1,877 $1,693 $1,728 $1,972 $1,505 $2,222 $1,723 $2,157 $1,789 $2,279 $1,739 $1,965 $2,599 $2,085 $1,946 $2,246 $1,814 $2,862 $1,751
$1,594 $1,937 $1,739 $1,761 $2,035 $1,548 $2,318 $1,766 $2,222 $1,833 $2,323 $1,791 $2,026 $2,658 $2,131 $2,009 $2,313 $1,880 $2,894 $1,796
$1,632 $1,997 $1,784 $1,793 $2,073 $1,596 $2,419 $1,812 $2,288 $1,879 $2,365 $1,841 $2,088 $2,714 $2,176 $2,078 $2,378 $1,948 $2,936 $1,864
$1,670 $2,061 $1,832 $1,823 $2,124 $1,642 $2,525 $1,858 $2,357 $1,921 $2,405 $1,891 $2,152 $2,766 $2,221 $2,154 $2,441 $2,016 $2,981 $1,931
$1,708 $2,126 $1,879 $1,852 $2,188 $1,680 $2,602 $1,906 $2,427 $1,963 $2,444 $1,935 $2,218 $2,815 $2,267 $2,233 $2,498 $2,085 $3,026 $1,999
$1,745 $2,192 $1,928 $1,881 $2,226 $1,722 $2,685 $1,954 $2,500 $2,003+ $2,483 $1,977 $2,983 $2,862 $2,312 $2,321 $2,551 $2,155 $3,107 $2,066
Standard Non Tobacco Rates (Annual Premium)
PLAN K Company AARP/UnitedHealthcare American Republic Corp Bankers Fidelity Life Colonial Penn Humana Insurance Company United American
Under 65
65
66
67
68
69
$1,431 $2,401 $2,397 $1,818 $2,018 $3,637
$527 $832 $799 $581 $807 $1,009
$550 $832 $799 $594 $835 $1,084
$572 $832 $836 $619 $868 $1,150
$595 $832 $861 $645 $903 $1,208
$617 $877 $899 $673 $933 $1,267
70
71
$640 $828 $918 $956 $936 $973 $703 $734 $965 $998 $1,345 $1,380
72
73
74
75
76
77
78
79
80
$828 $990 $1,011 $768 $1,032 $1,406
$828 $1,021 $1,048 $803 $1,067 $1,436
$828 $1,050 $1,086 $841 $1,104 $1,464
$828 $1,078 $1,123 $880 $1,142 $1,498
$828 $1,106 $1,148 $922 $1,181 $1,522
$828 $1,133 $1,173 $966 $1,221 $1,541
$828 $1,161 $1,211 $1,013 $1,258 $1,556
$828 $1,190 $1,236 $1,050 $1,288 $1,567
$828 $1,219 $1,248 $1,070 $1,319 $1,596
2016-2017 Medicare Supplement Rate Comparison Guide
Standard Non Tobacco Rates (Annual Premium)
PLAN L Company AARP/UnitedHealthcare American Republic Corp Colonial Penn Humana Insurance Company Thrivent Financial for Lutherans United American
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$2,496 $3,562 $3,456 $2,868 $2,440 $5,078
$920 $1,133 $1,242 $1,147 $884 $1,416
$959 $1,133 $1,278 $1,186 $911 $1,522
$999 $1,133 $1,324 $1,234 $941 $1,615
$1,038 $1,133 $1,373 $1,283 $983 $1,697
$1,077 $1,195 $1,425 $1,327 $1,026 $1,784
$1,117 $1,251 $1,480 $1,372 $1,070 $1,885
$1,445 $1,302 $1,537 $1,419 $1,114 $1,937
$1,445 $1,348 $1,599 $1,467 $1,158 $1,977
$1,445 $1,391 $1,663 $1,517 $1,202 $2,020
$1,445 $1,430 $1,731 $1,569 $1,248 $2,055
$1,445 $1,469 $1,802 $1,623 $1,294 $2,102
$1,445 $1,506 $1,878 $1,678 $1,342 $2,134
$1,445 $1,543 $1,958 $1,736 $1,390 $2,162
$1,445 $1,581 $2,042 $1,788 $1,439 $2,186
$1,445 $1,620 $2,105 $1,831 $1,490 $2,202
$1,445 $1,660 $2,153 $1,875 $1,539 $2,241
Under 65
65
66
67
68
Standard Non Tobacco Rates (Annual Premium)
PLAN M Company Blue Cross Blue Shield of Montana Blue Cross Blue Shield of Montana (Issue Age) Colonial Penn KSKJ Life-American Slovenian Catholic Union State Mutual Insurance Company Thrivent Financial for Lutherans
#N/A $3,454 $4,238 $3,673 $4,270 $3,088
$1,365 $1,853 $1,459 $1,224 $1,423 $1,166
$1,410 $1,853 $1,525 $1,224 $1,423 $1,202
$1,454 $2,063 $1,594 $1,285 $1,493 $1,238
$1,501 $2,063 $1,666 $1,343 $1,559 $1,294
69
70
71
72
73
74
75
76
77
78
79
80
$1,549 $2,063 $1,740 $1,400 $1,627 $1,350
$1,611 $2,338 $1,818 $1,456 $1,693 $1,405
$1,669 $2,338 $1,899 $1,512 $1,758 $1,461
$1,727 $2,338 $1,983 $1,568 $1,824 $1,518
$1,786 $2,338 $2,071 $1,622 $1,886 $1,574
$1,849 $2,338 $2,163 $1,676 $1,948 $1,630
$1,936 $2,669 $2,259 $1,729 $2,011 $1,688
$2,005 $2,669 $2,359 $1,782 $2,071 $1,746
$2,076 $2,669 $2,465 $1,831 $2,129 $1,804
$2,151 $2,669 $2,576 $1,881 $2,185 $1,864
$2,228 $2,669 $2,654 $1,924 $2,235 $1,923
$2,309 $3,111 $2,704 $1,966 $2,286 $1,982
2016-2017 Medicare Supplement Rate Comparison Guide
PLAN L Company AARP/UnitedHealthcare American Republic Corp Colonial Penn Humana Insurance Company Thrivent Financial for Lutherans United American
Standard Non Tobacco Rates (Annual Premium) Under 65
65
66
67
68
69
70
75
76
77
78
79
80
$2,496 $3,562 $3,456 $2,868 $2,440 $5,078
$920 $1,133 $1,242 $1,147 $884 $1,416
$959 $1,133 $1,278 $1,186 $911 $1,522
$999 $1,133 $1,324 $1,234 $941 $1,615
$1,038 $1,133 $1,373 $1,283 $983 $1,697
$1,077 $1,195 $1,425 $1,327 $1,026 $1,784
$1,117 $1,251 $1,480 $1,372 $1,070 $1,885
$1,445 $1,469 $1,802 $1,623 $1,294 $2,102
$1,445 $1,506 $1,878 $1,678 $1,342 $2,134
$1,445 $1,543 $1,958 $1,736 $1,390 $2,162
$1,445 $1,581 $2,042 $1,788 $1,439 $2,186
$1,445 $1,620 $2,105 $1,831 $1,490 $2,202
$1,445 $1,660 $2,153 $1,875 $1,539 $2,241
PLAN M Company Blue Cross Blue Shield of Montana Blue Cross Blue Shield of Montana (Issue Age) Colonial Penn KSKJ Life-American Slovenian Catholic Union State Mutual Insurance Company Thrivent Financial for Lutherans
Standard Non Tobacco Rates (Annual Premium) Under 65
65
66
67
68
69
70
75
76
77
78
79
80
#N/A $3,454 $4,238 $3,673 $4,270 $3,088
$1,365 $1,853 $1,459 $1,224 $1,423 $1,166
$1,410 $1,853 $1,525 $1,224 $1,423 $1,202
$1,454 $2,063 $1,594 $1,285 $1,493 $1,238
$1,501 $2,063 $1,666 $1,343 $1,559 $1,294
$1,549 $2,063 $1,740 $1,400 $1,627 $1,350
$1,611 $2,338 $1,818 $1,456 $1,693 $1,405
$1,936 $2,669 $2,259 $1,729 $2,011 $1,688
$2,005 $2,669 $2,359 $1,782 $2,071 $1,746
$2,076 $2,669 $2,465 $1,831 $2,129 $1,804
$2,151 $2,669 $2,576 $1,881 $2,185 $1,864
$2,228 $2,669 $2,654 $1,924 $2,235 $1,923
$2,309 $3,111 $2,704 $1,966 $2,286 $1,982
Standard Non Tobacco Rates (Annual Premium)
PLAN N Company AARP/UnitedHealthcare Aetna Health & Life American Retirement Life Americo Financial Life & Annuity Assured Life Association Blue Cross Blue Shield of Montana Blue Cross Blue Shield of Montana (Issue Age) Central States Indemnity Colonial Penn Combined Insurance Company of America Equitable Life & Casualty (Issue Age) Everence Association Humana Insurance Company KSKJ Life-American Slovenian Catholic Union Manhattan Life Medico Insurance Company New West Health Services Order of United Commercial Travelers Reserve National Insurance Company Standard Life and Accident Insurance Company State Mutual Insurance Company United American USAA Life
Under 65
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
$3,051 $3,570 $4,471 $3,124 $3,117 #N/A $2,977 $3,609 $3,688 $4,771 $5,335 $4,348 $2,956 $2,847 $4,271 $4,230 $3,876 $4,643 $5,160 $3,532 $3,938 $8,541 $1,703
$1,123 $1,020 $1,066 $1,041 $1,006 $1,176 $1,597 $928 $997 $1,288 $1,630 $1,087 $1,183 $949 $1,220 $1,028 $1,308 $1,548 $1,289 $1,143 $1,313 $1,661 $1,271
$1,172 $1,056 $1,067 $1,041 $1,006 $1,214 $1,597 $928 $1,048 $1,328 $1,632 $1,087 $1,223 $949 $1,220 $1,028 $1,356 $1,612 $1,289 $1,160 $1,313 $1,770 $1,295
$1,220 $1,091 $1,117 $1,041 $1,006 $1,253 $1,777 $928 $1,107 $1,385 $1,650 $1,134 $1,272 $991 $1,220 $1,028 $1,416 $1,680 $1,289 $1,177 $1,373 $1,865 $1,322
$1,268 $1,126 $1,165 $1,086 $1,040 $1,293 $1,777 $978 $1,167 $1,431 $1,651 $1,183 $1,323 $1,031 $1,284 $1,075 $1,488 $1,750 $1,345 $1,194 $1,428 $1,963 $1,350
$1,316 $1,160 $1,214 $1,132 $1,074 $1,334 $1,777 $1,017 $1,230 $1,479 $1,676 $1,231 $1,368 $1,072 $1,343 $1,110 $1,548 $1,819 $1,401 $1,207 $1,485 $2,076 $1,379
$1,364 $1,194 $1,259 $1,175 $1,118 $1,388 $2,016 $1,054 $1,295 $1,527 $1,699 $1,276 $1,414 $1,115 $1,405 $1,160 $1,608 $1,885 $1,454 $1,226 $1,543 $2,188 $1,401
$1,765 $1,227 $1,305 $1,218 $1,163 $1,438 $2,016 $1,091 $1,363 $1,573 $1,719 $1,322 $1,462 $1,159 $1,469 $1,209 $1,680 $1,950 $1,507 $1,248 $1,607 $2,290 $1,428
$1,765 $1,261 $1,351 $1,261 $1,209 $1,487 $2,016 $1,128 $1,434 $1,617 $1,734 $1,369 $1,512 $1,205 $1,536 $1,259 $1,764 $2,011 $1,560 $1,264 $1,670 $2,363 $1,452
$1,765 $1,297 $1,396 $1,304 $1,253 $1,538 $2,016 $1,167 $1,508 $1,659 $1,744 $1,414 $1,564 $1,252 $1,588 $1,309 $1,824 $2,066 $1,614 $1,290 $1,732 $2,414 $1,475
$1,765 $1,332 $1,443 $1,347 $1,291 $1,591 $2,016 $1,200 $1,585 $1,698 $1,764 $1,458 $1,617 $1,294 $1,642 $1,359 $1,908 $2,120 $1,667 $1,321 $1,793 $2,455 $1,497
$1,765 $1,367 $1,490 $1,390 $1,320 $1,666 $2,299 $1,227 $1,666 $1,733 $1,779 $1,502 $1,672 $1,335 $1,697 $1,410 $1,968 $2,167 $1,720 $1,360 $1,848 $2,495 $1,524
$1,765 $1,402 $1,540 $1,430 $1,346 $1,725 $2,299 $1,263 $1,751 $1,768 $1,792 $1,545 $1,730 $1,373 $1,753 $1,461 $2,052 $2,208 $1,760 $1,404 $1,901 $2,523 $1,544
$1,765 $1,436 $1,591 $1,470 $1,374 $1,786 $2,299 $1,301 $1,839 $1,802 $1,805 $1,589 $1,789 $1,409 $1,813 $1,511 $2,148 $2,247 $1,801 $1,452 $1,952 $2,569 $1,565
$1,765 $1,472 $1,644 $1,511 $1,401 $1,850 $2,299 $1,339 $1,932 $1,833 $1,813 $1,632 $1,842 $1,443 $1,873 $1,561 $2,232 $2,282 $1,841 $1,505 $1,999 $2,614 $1,589
$1,765 $1,507 $1,698 $1,553 $1,429 $1,916 $2,299 $1,370 $1,999 $1,865 $1,828 $1,674 $1,887 $1,477 $1,935 $1,609 $2,340 $2,314 $1,881 $1,561 $2,045 $2,660 $1,608
$1,765 $1,542 $1,754 $1,595 $1,452 $1,986 $2,680 $1,404 $2,073 $1,895 $1,841 $1,716 $1,933 $1,507 $2,337 $1,655 $2,448 $2,343 $1,921 $1,622 $2,088 $2,745 $1,626
2016-2017 Medicare Supplement Rate Comparison Guide
COMPANY
PHONE
ADDRESS
WEBSITE
AARP/UnitedHealthcare
1-800-523-5800
680 Blair Mill Road Horsham, PA 19044
www.aarpmedicaresupplement.com
Aetna Health & Life
1-800-264-4000
800 Crescent Centre Dr. Suite 200, Franklin, TN 37067
www.aetnaseniorproducts.com
American Republic Corp
1-888-755-3065
PO Box 14510, Des Moines, IA 50306-3510
www.americanenterprise.com
American Retirement Life Americo Financial Life & Annuity Assured Life Association Bankers Fidelity Life Blue Cross Blue Shield of Montana
1-866-459-4272 1-800-231-0801
11200 Lakeline Blvd., Suite 100, Austin, TX 78717 300 West 11th Street, Kansas City, MO 64105
www.cigna.com www.americo.com
PO Box 2397, Omaha, NE 68103-2397
assuredlife.org
1-866-458-7504 ext. 4370 Peachtree Road, NE, Atlanta, GA 876 30319-4375
www.bflic.com
1-877-223-3666
1-800-447-7828
560 North Park Avenue, Helena, MT 59601
www.bcbsmt.com
Central States Indemnity
1-866-644-3988
1212 North 96th Street, Omaha, NE 681142274
www.csi-omaha.com
Colonial Penn
1-800-800-2254
111 East Wacker Drive, Suite 2100, Chicago, IL 60601
https://www.bankerslife.com/products/ medicare-supplement-insurance/
Combined Insurance Company of America
1-855-278-9329
PO Box 14207, Clearwater, FL 33766
combinedinsurance.com
Equitable Life & Casualty
1-877-358-4060
PO Box 2460, Salt Lake City, UT 84110-2460
www.equilife.com
Everence Association
1-800-348-7468
PO Box 483, Goshen, IN 46527
www.everence.com
1-877-778-0839
PO Box 2271, Omaha, NE 68103-2271
www,gerberlife.com
1-800-801-6831
3700 S. Stonebridge Drive, PO Box 8080, McKinney, TX 75070
www.globecaremedsupp.com
1-888-310-8482
500 West Main, Louisville, KY 40202
www.humana.com
1-800-321-0102
2439 Glenwood Avenue, Joliet, IL 60435
www.kskjlife.net
1-800-877-7703
10777 Northwest Freeway, Houston, TX 77092
www.manhattanlife.com
1-800-228-6080
PO Box 10386, Des Moines, IA 50306
www.gomedico.com
1-888-222-1437
130 Neill Ave, Helena, MT 59601
www.newwestmedicare.com
1-405-523-2112
PO Box 54407, Oklahoma City, OK 73154
www.oldsurety.com
Gerber Life Insurance Company Globe Life And Accident Insurance Co Humana Insurance Company KSKJ Life-American Slovenian Catholic Union Manhattan Life Insurance Company Medico Insurance Company New West Health Services Old Surety Life Order of United Commercial Travelers Reserve National Insurance Company Sentinel Security Life Insurance Company Standard Life and Accident Insurance Co State Farm Mutual Automobile Ins. Co. State Mutual Insurance Company Thrivent Financial for Lutherans United American
1-800-848-0123 1-800-654-9106 1-800-247-1423 1-888-350-1488
1801 Watermark Dr, Suite 100, Columbus, OH 43215 601 East Britton Road, Oklahoma City, OK 73114-7710 1405 W. 2200 South, Salt Lake City, UT 84119 One Moody Plaza, Galveston, TX 77550
Contact Local State One State Farm Plaza, Bloomington, IL Farm Agent 61710 210 East Second Avenue, Suite 301, Rome, 1-888-764-1936 GA 30161 4321 N. Ballard Road, Appleton, WI 549191-800-847-4836 0001 3700 S. Stonebridge Drive, PO Box 8080, 1-800-331-2512 McKinney, TX 75070
www.uct.org www.reservenational.com www.sslco.com www.slaico.com www.statefarm.com www.statemutualinsurance.com www.thrivent.com www.unitedamerican.com
United of Omaha Life
1-800-667-2937
Mutual of Omaha Plaza, Omaha, NE 68175
mutualofomaha.com
USAA Life
1-800-531-8722
9800 Fredericksburg Road, San Antonio, TX 78288
www.usaa.com
COMPANY
PHONE
ADDRESS
WEBSITE
AARP/UnitedHealthcare
1-800-523-5800
680 Blair Mill Road Horsham, PA 19044
www.aarpmedicaresupplement.com
Aetna Health & Life
1-800-264-4000
800 Crescent Centre Dr. Suite 200, Franklin, TN 37067
www.aetnaseniorproducts.com
American Republic Corp
1-888-755-3065
PO Box 14510, Des Moines, IA 50306-3510
www.americanenterprise.com
American Retirement Life
1-866-459-4272
Americo Financial Life & Annuity
1-800-231-0801
Assured Life Association
1-877-223-3666
Bankers Fidelity Life
11200 Lakeline Blvd., Suite 100, Austin, TX 78717 300 West 11th Street, Kansas City, MO 64105
www.cigna.com www.americo.com
PO Box 2397, Omaha, NE 68103-2397
assuredlife.org
1-866-458-7504 ext. 4370 Peachtree Road, NE, Atlanta, GA 876 30319-4375
www.bflic.com
Blue Cross Blue Shield of Montana
1-800-447-7828
560 North Park Avenue, Helena, MT 59601
www.bcbsmt.com
Central States Indemnity
1-866-644-3988
1212 North 96th Street, Omaha, NE 681142274
www.csi-omaha.com
Colonial Penn
1-800-800-2254
111 East Wacker Drive, Suite 2100, Chicago, IL 60601
https://www.bankerslife.com/products/ medicare-supplement-insurance/
Combined Insurance Company of America
1-855-278-9329
PO Box 14207, Clearwater, FL 33766
combinedinsurance.com
Equitable Life & Casualty
1-877-358-4060
PO Box 2460, Salt Lake City, UT 84110-2460
www.equilife.com
Everence Association
1-800-348-7468
PO Box 483, Goshen, IN 46527
www.everence.com
1-877-778-0839
PO Box 2271, Omaha, NE 68103-2271
www.gerberlife.com
1-800-801-6831
3700 S. Stonebridge Drive, PO Box 8080, McKinney, TX 75070
www.globecaremedsupp.com
1-888-310-8482
500 West Main, Louisville, KY 40202
www.humana.com
1-800-321-0102
2439 Glenwood Avenue, Joliet, IL 60435
www.kskjlife.net
1-800-877-7703
10777 Northwest Freeway, Houston, TX 77092
www.manhattanlife.com
1-800-228-6080
PO Box 10386, Des Moines, IA 50306
www.gomedico.com
1-888-222-1437
130 Neill Ave, Helena, MT 59601
www.newwestmedicare.com
1-405-523-2112
PO Box 54407, Oklahoma City, OK 73154
www.oldsurety.com
Gerber Life Insurance Company Globe Life And Accident Insurance Co Humana Insurance Company KSKJ Life-American Slovenian Catholic Union Manhattan Life Insurance Company Medico Insurance Company New West Health Services Old Surety Life Order of United Commercial Travelers Reserve National Insurance Company Sentinel Security Life Insurance Company
1-800-848-0123 1-800-654-9106 1-800-247-1423
1801 Watermark Dr, Suite 100, Columbus, OH 43215 601 East Britton Road, Oklahoma City, OK 73114-7710 1405 W. 2200 South, Salt Lake City, UT 84119
www.uct.org
www.reservenational.com www.sslco.com
Standard Life and Accident Insurance Co State Farm Mutual Automobile Ins. Co. State Mutual Insurance Company Thrivent Financial for Lutherans United American
1-888-350-1488
One Moody Plaza, Galveston, TX 77550
Contact Local State One State Farm Plaza, Bloomington, IL Farm Agent 61710 210 East Second Avenue, Suite 301, Rome, 1-888-764-1936 GA 30161 4321 N. Ballard Road, Appleton, WI 549191-800-847-4836 0001 3700 S. Stonebridge Drive, PO Box 8080, 1-800-331-2512 McKinney, TX 75070
www.slaico.com www.statefarm.com www.statemutualinsurance.com www.thrivent.com www.unitedamerican.com
United of Omaha Life
1-800-667-2937
Mutual of Omaha Plaza, Omaha, NE 68175
mutualofomaha.com
USAA Life
1-800-531-8722
9800 Fredericksburg Road, San Antonio, TX 78288
www.usaa.com
NOTES
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Need more help?
Contact the Montana State Health Insurance Assistance Program (SHIP) at 1-800-551-3191 or 444-7781. Trained counselors are available to answer your questions. Knowledgeable staff is also available to assist you at the Office of the Montana State Auditor, Commissioner of Securities and Insurance, 1-800-332-6148 or, in Helena, 444-2040.
C ONTACT U S Monica J. Lindeen Office of the Montana State Auditor Commissioner of Securities & Insurance 840 Helena Avenue, Helena, MT 59601
Consumer Hotline 406-444-2040 (Outside Helena)
1-800-332-6148
Fax: 406-444-3497 TDD Phone: 406-444-3246 E-mail: csi@mt.gov
www.csimt.gov
The Office of the Montana State Auditor, Commissioner of Securities and Insurance, attempts to provide reasonable accommodation for any known disability that may interfere with a person's ability to participate in any service, program or activity of the agency. Alternative accessible formats of this document will be provided upon request. For more information call (406) 444-2040 or TDD (406) 444-3246.