Navigating the world of healthcare coverage for seniors can be an overwhelming task. As the need for comprehensive insurance plans grows, it’s crucial to find a reliable and trustworthy provider that caters to the unique requirements of older adults. Great Southern Life Insurance Company, a member of the Americo Life, Inc. family, has stepped up to the challenge by offering Medicare Supplement (Medigap) plans designed to fill the gaps in Original Medicare coverage. In this comprehensive guide, we’ll delve into the rich history of the company, explore the available plans, discuss potential discounts, and provide an overview of the underwriting process to help you make the most informed decision about your healthcare coverage.
Great Southern life insurance provider phone number
The great southern life insurance provider phone number is found by clicking here or calling 1-800-231-0801
Great Southern Life Insurance Provider Portal
Here is the Americo and Great Southern Life Insurance Provider Portal for customers: Click Here
History of Great Southern Life Insurance Company
A. Over 100 years of experience in life insurance and annuities
B. A member of Americo Life, Inc.
C. A.M. Best rating of “A” (Excellent) with a stable outlook
D. One of the largest independent insurance groups in the United States
E. Total assets of more than $6.6 billion
With over a century of experience in life insurance and annuities, Great Southern Life Insurance Company boasts a strong foundation in the industry. As a member of Americo Life, Inc., it has contributed to the growth of one of the largest independent insurance groups in the United States. The company’s financial stability is evident with a robust A.M. Best rating of “A” (Excellent) and a stable outlook, alongside total assets amounting to more than $6.6 billion. This rich history and solid financial standing make Great Southern Life Insurance Company an ideal choice for seniors seeking Medicare Supplement coverage.
Medicare Supplement Plans Offered by Great Southern Life
A. Plans A, G, N, F, and HDF are commonly available
B. Some states offer plans B, C, D, HDG, K, L, M, and N
C. Plan F availability restricted to Medicare-eligible individuals before January 1, 2020
D. State availability of plans, with additional states potentially being added in the future
Great Southern Life Insurance Company offers a variety of Medicare Supplement plans to cater to diverse healthcare needs. While plans A, G, N, F, and HDF are commonly available across the United States, some states also provide access to plans B, C, D, HDG, K, L, M, and N. It’s important to note that Plan F availability is restricted to Medicare-eligible individuals who enrolled before January 1, 2020. As the company continually expands its offerings, additional states may be added to the list in the future.
Great Southern Life Discounts and Rates
A. 10% household discount in most states for those residing with 1-3 other adults aged 60 or older
B. Waiving age requirement for legal spouses, civil union, and domestic partners
C. Tobacco and non-tobacco rates
Healthcare coverage can be expensive, but Great Southern Life Insurance Company offers a household discount of 10% in most states for those residing with one to three other adults aged 60 or older. The age requirement is waived for legal spouses, civil union partners, and domestic partners. Additionally, the company offers separate rates for tobacco and non-tobacco users, making it more affordable for individuals with different lifestyles.
Qualifying for Great Southern Life Insurance Medicare Supplement
A. Health-related questions for underwriting
B. Open Enrollment and Guaranteed Issue coverage
C. Height and weight guidelines
D. Health conditions and disqualification parameters
The application process for Great Southern Life Insurance Medicare Supplement plans involves answering health-related questions for underwriting purposes. However, during Open Enrollment and Guaranteed Issue periods, certain health conditions may not disqualify an applicant from coverage. In addition to these considerations, the company also follows height and weight guidelines, as well as evaluates potential disqualifications based on specific health conditions.
Understanding Great Southern Life Leniency
A. Great Southern’s leniency with confinements and mobility aids
B. 6-month look-back period for confinements
C. Mobility aid usage and eligibility for coverage
Great Southern Life Insurance Company is known for its leniency when it comes to confinements and mobility aids. The company follows a 6-month look-back period for confinements, and eligibility for coverage is not affected by the use of mobility aids.
Activities of Daily Living (ADLs) and Eligibility
A. Ineligibility for coverage if assistance with ADLs is required
B. Six-month waiting period for those receiving home health care or needing assistance with ADLs
C. Terminal Illness diagnosis results in ineligibility
For individuals who require assistance with Activities of Daily Living (ADLs), coverage may be deemed ineligible. However, there is a six-month waiting period for those receiving home health care or needing assistance with ADLs before they are disqualified. It’s important to note that a terminal illness diagnosis results in ineligibility for coverage.
Treatment, Diagnostic Testing, and Surgery: How it Affects Eligibility
A. Pending or incomplete treatments, diagnostic tests, or surgeries
B. Waiting for results or advised treatments
C. Eligibility restrictions related to advised or pending medical procedures
Pending or incomplete treatments, diagnostic tests, or surgeries can impact eligibility
for Great Southern Life Medicare Supplement plans. If you are waiting for results or have been advised to undergo certain treatments, your eligibility may be restricted. Understanding the implications of advised or pending medical procedures on your coverage is crucial when selecting a Medicare Supplement plan.
Diabetes and Related Conditions: Navigating the Eligibility Criteria
A. Potential ineligibility for individuals with diabetes and certain co-existing conditions
B. Insulin usage, coronary artery disease, neuropathy, and other factors affecting eligibility
Individuals with diabetes and certain co-existing conditions may face potential ineligibility for Great Southern Life Medicare Supplement plans. Factors such as insulin usage, the presence of coronary artery disease, neuropathy, and other related conditions can influence your eligibility for coverage.
Great Southern Life Medicare Supplement plans eligibility
Great Southern Life Medicare Supplement plans Eligibility for individuals with recent heart and circulatory diagnoses or treatments may not qualify.
Evaluation of conditions and treatments in the past two years may be needed for Great Southern life insurance eligibility if you are not in a Medicare supplement open enrollment period.
Assistance with finding coverage for individuals with recent heart or circulatory events is difficult unless you qualify for a guaranteed issue Medicare supplement plan G with Great Southern Life.
For individuals with recent heart and circulatory diagnoses or treatments, Great Southern Life Medicare Supplement plans eligibility may be affected. The company evaluates conditions and treatments that occurred in the past two years to determine eligibility. However, assistance is available for individuals with recent heart or circulatory events to find suitable coverage options.
Cancer and Other Serious Diagnoses: Exploring Coverage Restrictions
A. Cancer metastasis, brain tumors, lymphoma, and melanoma
B. Treatment for alcoholism or drug abuse
C. Mental or nervous disorders requiring hospitalization
D. Rheumatoid arthritis, crippling/disabling arthritis, and joint replacements
Certain serious diagnoses, such as cancer metastasis, brain tumors, lymphoma, and melanoma, can impact your eligibility for Great Southern Life Medicare Supplement plans coverage. Additionally, treatment for alcoholism or drug abuse, mental or nervous disorders requiring hospitalization, rheumatoid arthritis, crippling/disabling arthritis, and joint replacements can also influence your coverage options with Great Southern Life.
Cognitive or Memory Disorders: Understanding Coverage Limitations
A. Alzheimer’s disease, Parkinson’s disease, senile dementia, mild cognitive impairment (MCI), delirium, and organic brain disorder
Ineligibility for coverage due to cognitive or memory disorders
If you have been diagnosed with Alzheimer’s disease, Parkinson’s disease, senile dementia, mild cognitive impairment (MCI), delirium, or an organic brain disorder, you may be ineligible for coverage with Great Southern Life. It’s essential to consider these cognitive or memory disorder restrictions when choosing a Medicare Supplement plan.
XII. Chronic Respiratory Disorders: Evaluating Coverage Eligibility
A. Pulmonary hypertension, emphysema, chronic obstructive pulmonary disease (COPD), chronic bronchitis, and more
B. Exclusions: high blood pressure and seasonal asthma
C. Ineligibility for coverage due to chronic respiratory disorders
Chronic respiratory disorders such as pulmonary hypertension, emphysema, chronic obstructive pulmonary disease (COPD), and chronic bronchitis can impact your eligibility for coverage. However, exclusions apply for high blood pressure and seasonal asthma, which do not affect your coverage options.
XIII. Kidney Diseases: Determining Coverage Restrictions
A. Chronic kidney disease, kidney failure, renal insufficiency, and kidney disease requiring dialysis
B. Ineligibility for coverage due to kidney diseases
Individuals with chronic kidney disease, kidney failure, renal insufficiency, or kidney disease requiring dialysis may be ineligible for coverage with Great Southern Life. Understanding these kidney disease-related coverage limitations is crucial when selecting a Medicare Supplement plan.
XIV. HIV, AIDS, and Related Conditions: Navigating Coverage Eligibility
A. Human immunodeficiency virus (HIV), acquired immune deficiency syndrome (AIDS), and AIDS-related complex (ARC)
B. Ineligibility for coverage due to HIV, AIDS, or related conditions
If you have been diagnosed with human immunodeficiency virus (HIV), acquired immune deficiency syndrome (AIDS), or AIDS-related complex (ARC), you may be ineligible for coverage with Great Southern Life. It’s essential to consider these HIV, AIDS, and related condition restrictions when choosing a Medicare Supplement plan.
XV. Autoimmune and Neurological Disorders: Assessing Coverage Options
A. Systemic lupus, myasthenia gravis, muscular dystrophy, amyotrophic lateral sclerosis (ALS), multiple sclerosis, and more
B. Ineligibility for coverage due to autoimmune and neurological disorders
Diagnoses such as systemic lupus, myasthenia gravis, muscular dystrophy, amyotrophic lateral sclerosis (ALS), and multiple sclerosis can impact your eligibility for coverage with Great Southern Life. It’s important to understand these autoimmune and neurological disorder restrictions when selecting a Medicare Supplement plan.
XVI. Liver Diseases and Amputations: Evaluating Coverage Limitations
A. Cirrhosis, chronic hepatitis, liver failure, and amputations caused by disease
B. Ineligibility for coverage due to liver diseases or amputations
Individuals with cirrhosis, chronic hepatitis, liver failure, or amputations caused by disease may be ineligible for coverage with Great Southern Life. Knowing these liver disease and amputation-related coverage limitations is vital when choosing a Medicare Supplement plan.
XVII. How to Apply and Get the Best Quote
A. Working with agents to find the best Medicare Supplement plan for your needs
B. Agents search an extensive database of companies to find the right plan
C. Assistance with the application process
To find the best Medicare Supplement plan for your needs, it’s essential to work with experienced agents who can guide you through the process. These agents search an extensive database of companies, including Great Southern Life, to help you find the right plan
for Great Southern Life Medicare Supplement plans. If you are waiting for results or have been advised to undergo certain treatments, your eligibility may be restricted. Understanding the implications of advised or pending medical procedures on your coverage is crucial when selecting a Medicare Supplement plan.
XVIII. Diabetes and Related Conditions: Navigating the Eligibility Criteria
Individuals with diabetes and certain co-existing conditions may face potential ineligibility for Great Southern Life Medicare Supplement plans. Factors such as insulin usage, the presence of coronary artery disease, neuropathy, and other related conditions can influence your eligibility for coverage.
XIX. Heart, Circulatory, and Other Medical Treatments: Assessing Your Eligibility
For individuals with recent heart and circulatory diagnoses or treatments, eligibility for Great Southern Life Medicare Supplement plans may be affected. The company evaluates conditions and treatments that occurred in the past two years to determine eligibility. However, assistance is available for individuals with recent heart or circulatory events to find suitable coverage options.
XX. Cancer and Other Serious Diagnoses: Exploring Coverage Restrictions
Certain serious diagnoses, such as cancer metastasis, brain tumors, lymphoma, and melanoma, can impact your eligibility for coverage. Additionally, treatment for alcoholism or drug abuse, mental or nervous disorders requiring hospitalization, rheumatoid arthritis, crippling/disabling arthritis, and joint replacements can also influence your coverage options with Great Southern Life.
XXI. Cognitive or Memory Disorders: Understanding Coverage Limitations
If you have been diagnosed with Alzheimer’s disease, Parkinson’s disease, senile dementia, mild cognitive impairment (MCI), delirium, or an organic brain disorder, you may be ineligible for coverage with Great Southern Life. It’s essential to consider these cognitive or memory disorder restrictions when choosing a Medicare Supplement plan.
XXII. Chronic Respiratory Disorders: Evaluating Coverage Eligibility
Chronic respiratory disorders such as pulmonary hypertension, emphysema, chronic obstructive pulmonary disease (COPD), and chronic bronchitis can impact your eligibility for coverage. However, exclusions apply for high blood pressure and seasonal asthma, which do not affect your coverage options.
XXIII. Kidney Diseases: Determining Coverage Restrictions
Individuals with chronic kidney disease, kidney failure, renal insufficiency, or kidney disease requiring dialysis may be ineligible for coverage with Great Southern Life. Understanding these kidney disease-related coverage limitations is crucial when selecting a Medicare Supplement plan.
XXIV. HIV, AIDS, and Related Conditions: Navigating Coverage Eligibility
If you have been diagnosed with human immunodeficiency virus (HIV), acquired immune deficiency syndrome (AIDS), or AIDS-related complex (ARC), you may be ineligible for coverage with Great Southern Life. It’s essential to consider these HIV, AIDS, and related condition restrictions when choosing a Medicare Supplement plan.
XXV. Autoimmune and Neurological Disorders: Assessing Coverage Options
Diagnoses such as systemic lupus, myasthenia gravis, muscular dystrophy, amyotrophic lateral sclerosis (ALS), and multiple sclerosis can impact your eligibility for coverage with Great Southern Life. It’s important to understand these autoimmune and neurological disorder restrictions when selecting a Medicare Supplement plan.
XXVI. Liver Diseases and Amputations: Evaluating Coverage Limitations
Individuals with cirrhosis, chronic hepatitis, liver failure, or amputations caused by disease may be ineligible for coverage with Great Southern Life. Knowing these liver disease and amputation-related coverage limitations is vital when choosing a Medicare Supplement plan.
Conclusion
In conclusion, the comprehensive guide to Great Southern Life Medicare Supplement Plans aims to empower you with the necessary knowledge to make an informed decision about your healthcare coverage. As you explore the various plans, discounts, and eligibility criteria, remember that experienced agents are available to guide you through the process and help you find the best Medicare Supplement plan for your unique situation. With the right coverage in place, you can focus on enjoying your golden years without worrying about gaps in your healthcare coverage.
