National General Medicare Supplement Plans Review*
There are a lot of insurance companies that offer Medicare Supplement Insurance, better known as Medigap. But because Medigap coverage is standardized by the federal government, the benefits you’ll find in each plan are the same across every insurance company.
That means when shopping for coverage, you’ll have to turn your attention to things like plan selection, costs, company reputation and other attributes.
In this review, we examine the Medigap plans offered by National General Insurance and the types of Medicare costs these plans can pay for.
How many Medigap plans does National General sell?
National General sells four of a possible 10 Medicare Supplement Insurance plans. The company sells Plan A, Plan G, Plan F (along with the high-deductible version of Plan F) and Plan N.
* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020,... you may still be able to enroll in Plan F or Plan C as long as they are available in your area.
1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,700 in 2023. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2 Plan K has an out-of-pocket yearly limit of $6,940 in 2023. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
3 Plan L has an out-of-pocket yearly limit of $3,470 in 2023. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.+ Read more
National General Medigap Plan A
Plan A provides the least benefits among all Medigap plans. The plan provides coverage for:
Medicare Part A coinsurance and hospital costs up to one year after Medicare coverage is exhausted
Medicare Part B coinsurance and copayments
First three pints of blood needed for a blood transfusion
Medicare Part A hospice care coinsurance and copayments
National General Medigap Plan F
Plan F is on the opposite end of the coverage spectrum from Plan A and is the plan that offers the highest level of coverage. That includes everything found in Plan A in addition to:
Skilled nursing facility care coinsurance
Medicare Part A deductible
Medicare Part B deductible
Medicare Part B excess charges
Foreign travel emergency care (80%)
National General also sells a high-deductible version of Medigap Plan F. With this plan, beneficiaries pay a lower monthly premium in exchange for having to meet an annual deductible before the plan’s benefits kick in. For the 2023 plan year, the deductible is $2,700.
However, federal law prohibits incoming Medicare beneficiaries from enrolling in Medigap Plan F. The plan is only available to those who became eligible for Medicare prior to Jan. 1, 2020.
Anyone who did not become eligible for Medicare until after that date may not enroll in Plan F with National General or any other insurance company.
National General Plan G
Medigap Plan G offers all of the same coverage as Plan F with the exception of the Medicare Part B deductible, which is $226 per year in 2023.
The enrollment restriction that applies to Plan F does not apply to Plan G, making Plan G the most comprehensive coverage option available to new Medicare beneficiaries.
National General Plan N
Plan N offers a medium level of coverage combined with some patient cost-sharing to offer a balanced mix of benefits and affordability. The plan includes everything found in Plan G with the exception of Medicare Part B excess charge coverage.
Plan N requires a copayment of up to $20 for certain doctor’s office visits and up to $50 for emergency room visits that do not result in an inpatient admission.
Does National General sell Medigap in my state?
There are four different companies that underwrite policies issued by National General:
Time Insurance Company
National Health Insurance Company
Integon National Insurance Company
Integon Indemnity Corporation
These companies underwrite policies issued by National General in all 50 states and the District of Columbia, but the selection of National General Medigap plans may vary from state to state.
Where can I use a National General Medigap plan?
Medicare Supplement Insurance is accepted anywhere Original Medicare is.
That means you can use a National General Medigap plan with any doctor, hospital or other health care provider who accepts your Medicare Part A or Part B coverage.
Your National General Medigap plan will even be accepted when you are in another state.
How much do National General Medicare Supplement plans cost?
Some of the factors that may affect the cost of a National General plan may include:
Location. Plan prices tend to fluctuate depending on state or zip code.
Age. Older beneficiaries will often pay more than younger plan members.
Gender. Women typicallypay a smaller premium because of their longer life expectancy.
Medical underwriting. Medical underwriting may be used to determine your rates if you sign up after your Medigap Open Enrollment Period and may result in a higher premium.
Available discounts. National General offers a 7% premium discount if you live with at least one (but no more than three) other adults who are 50 years or older. This discount may not be available in all areas.
Enrollment in a high-deductible plan option. The high-deductible option for Plan F will typically come with a lower premium than the standard version of plan F when sold in the same market.
Are there any additional perks offered to National General customers?
National General Medigap customers are granted a 30-day “free look” period that allows for a full refund of your premiums if you decide to opt out of your plan within 30 days of it being issued.
National General also does not require a waiting period so your coverage takes effect the day it’s issued.
Is National General a good company?
By most accounts, National General can be considered a known and trusted company.
National General generates around $4.6 billion in annual revenue and is publicly traded.1
The company has been in business for over 100 years
National General financial strength ratings include an A+ (Superior) from A.M. Best as of 2023.
Shop around to find the right Medigap plan at the right price that closely matches your coverage needs. A licensed insurance agent can help you compare plans from insurance companies that offer plans where you live.