Page 1

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

____________________________________________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________________________________________ ___________________________________________________________________________________________________________________________________________________

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.

2016 - 2017 Medicare Supplement Insurance Guide  
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