Medicare supplement insurance premium comparison chart

              2011
Medicare Supplement
Insurance
Premium Comparison
Arizona
Department of Insurance
Janice K. Brewer
Governor
Christina Urias
Director of Insurance
TABLE OF CONTENTS
Message from the Director of Insurance 1
What should I consider when shopping for
Medicare Supplement insurance?
2
Medigap Benefit Chart 4
Medigap Shopping Checklist 5
About This Guide 6
Glossary of Terms 6
Premium Comparison 7
Helpful Resources 37
1
Message from the Director of Insurance
Dear Medicare Supplement Shopper,
This publication was designed to help you compare Medicare Supplement
insurance policies (also called Medigap), and help you save money,
understand benefits choices and service options. While price is an
important consideration, shoppers should also consider:
��� The financial strength and stability of the insurance company,
• The level of services provided, and
• Which benefits best suit your circumstances.
Whether you are a first time Medigap shopper, or long time policy owner, it is
important to know your options. Obtain a copy of the publication “Choosing a
Medigap Policy: A Guide To Health Insurance For People With Medicare,“
(published by the U.S. Department of Health and Human Services) which
provides a detailed description of the benefits in each of the standardized
Medicare Supplement policies.
To obtain a free copy of “Choosing a Medigap Policy” visit
www.medicare.gov/Publications/, or call us at (602) 364-2499 or at (800) 325-
2548 (outside Phoenix) or send an email request to
consumers@azinsurance.gov.
Another invaluable resource for Medigap shoppers is the Arizona Senior Health
Insurance Assistance Program (SHIP). SHIP offers free counseling related to
Medicare, Medicare Supplement insurance and related insurance products.
Call toll free (800) 432-4040, or email requests to askaaa@azdes.gov. A list of
other helpful Medicare related references appears at the back of this booklet.
Review your new policy as soon as you receive it. If you have any questions,
promptly call the agent or insurance company. If you are dissatisfied for any
reason, return the Medigap policy within 30 days of receipt for a full refund.
This “free look” period is explained on the front of your policy.
To learn more about your Medicare options, contact Medicare at (800) 633-
4227 or www.medicare.gov, or SHIP at (800) 432-4040.
Sincerely,
Christina Urias
Director of Insurance
2
What should I consider when shopping for Medicare
Supplement Insurance?
Service
As with any purchase you make, you should not assume that the most expensive product is
necessarily the best. Nor should you assume that the cheapest policy will give you the same
level of service that a more expensive product would. Get feedback from your friends and
family about which insurers have given them good service. Here are some aspects of
service to consider:
Claims Service
Does the insurer offer automatic claim submission (sometimes called “cross-over”)? Most
Medigap carriers are notified by Medicare when its portion of your claim is paid so there is
less paperwork for policyholders.
Are claim payments prompt and accurate?
Customer Service
What are the insurer’s hours of customer service?
Are customer service staff courteous and helpful?
Are toll free telephone numbers available?
Are any on-line services offered?
Does the insurer utilize agent representatives or will you deal directly with insurance
company personnel for customer service?
Range of benefits
Does the insurer offer all the different Medigap plans or just some?
Does the insurer offer any extra benefits and services?
Cost
The wide range in premiums between insurance companies illustrates the benefit of
comparison shopping! There are a number of factors that influence what premium you will
pay for a Medicare Supplement policy.
Your health. Pre-existing health conditions generally result in higher premiums; some
insurers charge more for certain conditions than other insurers. However, during open
enrollment and guaranteed issue circumstances, insurers cannot charge higher premiums for
pre-existing conditions.
Your age. Insurers charge premiums based on your age or community at the time the policy
was issued. So, if you change policies and/or companies, your Medigap premium may
increase.
Your gender. Some insurers charge male policyholders more than female.
Your smoking status. Smokers are charged a higher premium.
Marital status. Some insurers offer a marital discount when both spouses apply for
coverage.
3
Level of benefits. The more benefits, the more the policy will cost.
Medicare Select. Some insurers offer a “Select” policy which utilizes a restricted provider
network, which can result in lower premiums.
Your deductible. Some insurers offer Medigap Plan F with a “high deductible” option which
could reduce the cost.
Frequency of premium payments. Some insurers will offer a discount if you pay an annual
premium. However, be aware that after you have had your policy for 30 days, insurers are
not obligated to give you a refund if you cancel your policy mid-term.
Electronic Fund Transfer (EFT) Discount. If you agree to have your monthly premium
payment automatically deducted from your checking account, some companies may offer a
discount.
Financial strength
There are several organizations that offer independent information about the financial
strength of insurance companies. You can ask your insurance agent for information or you
can contact the rating organizations directly:
Rating
Organization
Phone
Number Website
AM Best Company Inc (908) 439-2200 www.ambest.com
Fitch Investor Services (212) 908-0500 www.fitchratings.com
Moody’s Investors Services (212) 553-0377 www.moodys.com
Standard & Poor’s (212) 438-2400 www.standardandpoors.com
The Street Ratings.com (800) 289-9222 www.thestreetratings.com
Benefits
The chart on the next page shows the benefits included in each of the standard Medicare
Supplement plans. For a detailed description of the benefits available under each Medicare
Supplement policy, review the current issue of “Choosing a Medigap Policy: A Guide to
Health Insurance for People with Medicare”. While every insurance company must make
Plan “A” available, many insurers do not offer all plans. Plans E, H, I, and J are no longer
available for sale.
Basic Benefits:
• Hospitalization – Part A coinsurance plus coverage for 365 additional days after
Medicare benefits end.
• Medical Expense – Part B coinsurance (generally 20% of Medicare-approved
expenses) or co-payments for hospital outpatient services. Plans K, L and N require
insureds to pay a portion of Part B coinsurance or co-payments.
• Blood – First three pints of blood each year.
• Hospice – Part A coinsurance
Benefit Chart of Medicare Supplement Plans Sold on or After June 1, 2010
A B C D F F* G K L M N
Basic,
including
100%
Part B
coinsurance
Basic,
including
100%
Part B
coinsurance
Basic,
including
100% Part B
coinsurance
Basic,
including
100% Part B
coinsurance
Basic,
including
100% Part B
coinsurance*
Basic, including
100% Part B
coinsurance
Hospitalization
and preventive
care paid at
100%; other
basic benefits
paid at 50%
Hospitalization
and preventive
care paid at
100%; other
basic benefits
paid at 75%
Basic,
including
100% Part B
coinsurance
Basic,
including
100% Part B
coinsurance,
except up to
$20 copayment
for office visit,
and up to $50
copayment for
ER
Skilled
Nursing
Facility
Coinsurance
Skilled
Nursing
Facility
Coinsurance
Skilled
Nursing
Facility
Coinsurance
Skilled Nursing
Facility
Coinsurance
50% Skilled
Nursing
Facility
Coinsurance
75% Skilled
Nursing
Facility
Coinsurance
Skilled
Nursing
Facility
Coinsurance
Skilled
Nursing
Facility
Coinsurance
Part A
Deductible
Part A
Deductible
Part A
Deductible
Part A
Deductible
Part A
Deductible
50% Part A
Deductible
75% Part A
Deductible
50% Part A
Deductible
Part A
Deductible
Part B
Deductible Part B
Deductible
Part B
Excess
(100%)
Part B Excess
(100%)
Foreign
Travel
Emergency
Foreign
Travel
Emergency
Foreign
Travel
Emergency
Foreign
Travel
Emergency
Foreign
Travel
Emergency
Foreign
Travel
Emergency
*Plan F also has an option called a high deductible plan F. This high deductible plan
pays the same benefits as Plan F after one has paid a calendar year [$2000]
deductible. Benefits from high deductible plan F will not begin until out-of-pocket
expenses exceed [$2000]. Out-of-pocket expenses for this deductible are expenses
that would ordinarily be paid by the policy. These expenses include the Medicare
deductibles for Part A and Part B, but do not include the plan’s separate foreign travel
emergency deductible.
Out-of-pocket
limit $[4620];
paid at 100%
after limit
reached
Out-of-pocket
limit $[2310];
paid at 100%
after limit
reached
4
5
It is illegal for insurance sales people to:
• Pressure or mislead you into buying or switching Medigap policies.
• Misuse names, letters or symbols of the U.S. government or claim
to be a Medicare representative.
• Sell you duplicative Medigap policies.
• Offer a policy with “Attained Age Premiums” which means policy
premiums would increase as the policyholder reaches certain age
brackets.
Medigap shopping checklist...
􀀹􃤠 Evaluate your benefit needs and determine which of the
standardized Medigap plans suits you best.
􀀹􃤠 Research several different insurance companies and agents,
evaluating service, benefits and stability. Talk to friends and family
about their experiences. Consider asking a friend or family
member to join you during solicitations.
􀀹􃤠 If shopping through an insurance agent, call the Arizona
Department of Insurance to verify licensure and inquire about
complaint history.
􀀹􃤠 Get quotes from several insurance companies.
􀀹􃤠 Carefully compare the Outlines of Coverage you receive from the
soliciting agent. Prior to taking an application, agents are required
to give you an Outline of Coverage and the Shopper’s Guide.
􀀹􃤠 Do not pay for the policy with cash! Write a check or money order
made payable only to the insurance company, not the agent.
􀀹􃤠 Read the policy and paperwork upon receipt. Contact the agent
or insurance company if you have any questions or concerns.
􀀹􃤠 Ask a trusted family member or friend to look over the policy and
paperwork with you.
􀀹􃤠 Exercise your 30 day “free look” period to return your policy if
you are dissatisfied with your policy purchase for any reason.
6
About this Guide
The premiums listed on the following pages were obtained from insurance
companies. The Arizona Department of Insurance sent a survey to Medicare
Supplement insurers and asked them to “quote” average monthly premiums
for Medigap policies for a male or female, non-smoking applicant in good
health at age 65, 70, 75 and 80 residing in the seven Arizona counties with
the highest Medicare beneficiary populations: Cochise, Maricopa, Mohave,
Pima, Pinal, Yavapai and Yuma. Since these quotes are based on a
hypothetical applicant, they are not necessarily indicative of what your
actual premium would be with a particular company. You will have to
obtain quotes prepared specifically for you to get that information.
Premium information is listed alphabetically by insurance company and then
by county. Not all companies offer all plans. The following premium
comparison chart lists which of the standardized plans (A, B, C, D, F, F/HD,
G, K, L, M, and N) are offered by each insurer and the average premium for
each.
This publication also includes premium information for Medicare recipients
under age 65. For information about Medicare Advantage plans, shoppers
should refer to the “Medicare & You” and/or the “Choosing a Medigap”
booklets.
Glossary of Terms
Association Group Policy – A policy issued to an association, such as AARP.
Individuals can apply for “certificates” under the group policy but must join the
association.
Community Rating – Policy premiums are priced the same to all persons within
a given territory and may vary by age at issue.
Cross-over claim service – The Medigap insurer receives direct notification of
Medicare claim payments eliminating the need for the policyholder to send
separate claims to the insurer in order to receive supplemental insurance
benefits.
Issue Age Premium – Policy premiums are based on the policyholder’s age at
the time the policy is issued and premiums do not increase incrementally due to
age. (Insurers can no longer offer Attained Age Premium policies in Arizona).
Medicare Select Policy – A Medigap policy that requires the use of a specific
medical provider network to receive full benefits.
Unisex Rate – When an insurer charges the same premium rate regardless of
gender
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Aetna Life Insurance Company
1-800-557-5078
www.aetnamedicare.com
65 155 142 175 160 - - - -
70 171 157 199 183 - - - -
75 183 168 220 202 - - - -
80 189 174 236 216 - - - -
Statewide Rates
American Continental Insurance
Company
1-800-264-4000
www.cont-life.com
65 114 99 143 124 - - - -
70 124 108 156 135 - - - -
75 136 118 171 149 - - - -
80 143 124 180 157 - - - -
Counties: Cochise Mohave Pima Pinal Yavapai Yuma
65 139 121 175 152 - - - -
70 151 131 190 166 - - - -
75 166 145 210 182 - - - -
80 175 152 220 192 - - - -
Counties: Maricopa
American Republic Corp
Insurance Company ф
1-888-755-3065
www.americanenterprise.com
65 117 98 - - - - - -
70 139 114 - - - - - -
75 162 131 - - - - - -
80 183 144 - - - - - -
Counties: Cochise Yavapai
65 132 111 - - - - - -
70 156 129 - - - - - -
75 183 147 - - - - - -
80 206 163 - - - - - -
Counties: Maricopa Mohave
65 125 104 - - - - - -
70 148 122 - - - - - -
75 173 139 - - - - - -
80 194 153 - - - - - -
Counties: Pima Pinal Yuma
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
7
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
196 179 - - - - - - - - - - - -
225 206 - - - - - - - - - - - -
249 228 - - - - - - - - - - - -
270 247 - - - - - - - - - - - -
164 142 65 57 145 127 - - - - - - 116 100
176 153 71 61 158 138 - - - - - - 126 109
190 165 76 66 174 151 - - - - - - 138 120
198 172 79 69 183 159 - - - - - - 146 127
200 174 80 70 178 155 - - - - - - 141 123
216 188 86 75 194 168 - - - - - - 154 134
233 202 93 81 213 185 - - - - - - 169 147
243 211 96 84 224 195 - - - - - - 178 155
157 131 60 50 - - 87 72 115 96 - - - -
186 153 71 58 - - 102 84 136 112 - - - -
217 175 83 66 - - 120 97 159 128 - - - -
245 193 93 73 - - 135 106 179 141 - - - -
177 148 67 56 - - 98 82 129 108 - - - -
209 172 80 66 - - 116 95 153 126 - - - -
245 197 93 75 - - 135 109 179 144 - - - -
276 217 105 83 - - 152 120 202 159 - - - -
167 140 63 53 - - 92 77 122 102 - - - -
197 163 75 62 - - 109 90 144 119 - - - -
231 186 88 71 - - 128 103 169 136 - - - -
260 205 99 78 - - 144 113 190 150 - - - -
8
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
American Republic Insurance
Company ф
1-888-755-3065
www.americanenterprise.com
65 122 110 - - 162 145 - -
70 144 128 - - 191 169 - -
75 169 146 - - 224 194 - -
80 190 161 - - 252 214 - -
Counties: Cochise Yavapai
65 138 124 - - 182 164 - -
70 163 144 - - 215 191 - -
75 190 165 - - 252 218 - -
80 214 182 - - 284 241 - -
Counties: Maricopa Mohave
65 130 117 - - 172 155 - -
70 153 136 - - 203 180 - -
75 180 155 - - 238 206 - -
80 202 171 - - 268 227 - -
Counties: Pima Pinal Yuma
Assured Life Association
1-877-223-3666
www.denverwoodmen.com
65 99 86 106 92 132 115 109 94
70 120 104 128 111 160 139 131 114
75 131 114 139 121 174 152 143 124
80 137 119 147 128 183 159 150 131
Counties: Cochise Maricopa Mohave Pima Pinal
65 90 78 96 84 120 105 99 86
70 109 95 116 101 145 126 119 104
75 119 103 127 110 158 138 130 113
80 125 109 133 116 167 145 137 119
Counties: Yavapai Yuma
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
9
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
133 115 - - 110 95 - - - - - - 99 86
160 139 - - 132 115 - - - - - - 104 91
175 152 - - 144 126 - - - - - - 112 97
184 160 - - 152 132 - - - - - - 120 104
121 105 - - 100 87 - - - - - - 90 78
146 127 - - 120 105 - - - - - - 95 83
159 138 - - 131 114 - - - - - - 102 89
167 146 - - 138 120 - - - - - - 109 95
10
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Bankers Fidelity Life Insurance
Company ф
1-866-458-7500
www.bflic.com
65 96 96 - - - - - -
70 106 106 - - - - - -
75 120 120 - - - - - -
80 129 129 - - - - - -
Counties: Cochise Yavapai
65 111 111 - - - - - -
70 124 124 - - - - - -
75 139 139 - - - - - -
80 150 150 - - - - - -
Counties: Maricopa Pima Yuma
BlueCross BlueShield of Arizona
₪
1-800-232-2345
www.azblue.com
65 115 115 - - 119 119 - -
70 142 142 - - 147 147 - -
75 169 169 - - 175 175 - -
80 169 169 - - 175 175 - -
Statewide Rates
BlueCross BlueShield of Arizona
(SELECT) ₪
1-800-232-2345
www.azblue.com
65 - - - - 93 93 - -
70 - - - - 115 115 - -
75 - - - - 137 137 - -
80 - - - - 137 137 - -
Statewide Rates
Colonial Penn Life Insurance
Company ‡
1-800-800-2254
www.colonialpenn.com
65 114 114 146 146 - - - -
70 136 136 174 174 - - - -
75 154 154 198 198 - - - -
80 158 158 205 205 - - - -
Statewide Rates
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
11
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
132 132 48 48 113 113 67 67 - - - - - -
147 147 53 53 125 125 75 75 - - - - - -
165 165 59 59 141 141 84 84 - - - - - -
179 179 64 64 152 152 90 90 - - - - - -
154 154 55 55 131 131 78 78 - - - - - -
171 171 61 61 146 146 87 87 - - - - - -
193 193 69 69 164 164 97 97 - - - - - -
208 208 74 74 177 177 105 105 - - - - - -
126 126 - - - - - - - - - - 92 92
155 155 - - - - - - - - - - 114 114
185 185 - - - - - - - - - - 136 136
185 185 - - - - - - - - - - 136 136
- - - - - - - - - - - - 78 78
- - - - - - - - - - - - 96 96
- - - - - - - - - - - - 114 114
- - - - - - - - - - - - 114 114
167 167 41 41 152 152 63 63 103 103 130 130 99 99
200 200 49 49 184 184 77 77 123 123 158 158 125 125
233 233 57 57 217 217 92 92 144 144 187 187 151 151
252 252 61 61 236 236 100 100 155 155 202 202 167 167
12
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Columbian Mutual Life Insurance
Company
1-866-297-2372
65 81 70 - - - - - -
70 88 77 - - - - - -
75 98 85 - - - - - -
80 104 91 - - - - - -
Counties: Cochise Mohave Pima Yavapai Yuma
65 97 84 - - - - - -
70 106 92 - - - - - -
75 117 102 - - - - - -
80 125 109 - - - - - -
Counties: Maricopa Pinal
Combined Insurance Company of
America
1-800-544-5531
www.combinedinsurance.com
65 176 160 - - - - - -
70 186 168 - - - - - -
75 219 199 - - - - - -
80 249 225 - - - - - -
Statewide Rates
Continental General Insurance
Company
1-866-459-4272
www.gasbinsurance.com
65 113 105 - - - - - -
70 118 107 - - - - - -
75 127 110 - - - - - -
80 134 112 - - - - - -
Counties: Cochise Mohave Pima Yavapai
65 126 117 - - - - - -
70 131 119 - - - - - -
75 141 122 - - - - - -
80 149 124 - - - - - -
Counties: Maricopa Pinal Yuma
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
13
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
117 101 - - 97 84 - - - - - - - -
129 112 - - 102 89 - - - - - - - -
144 125 - - 109 95 - - - - - - - -
155 135 - - 116 101 - - - - - - - -
140 122 - - 116 101 - - - - - - - -
154 134 - - 123 107 - - - - - - - -
173 150 - - 131 114 - - - - - - - -
187 162 - - 140 122 - - - - - - - -
252 228 - - - - - - - - - - 176 160
266 240 - - - - - - - - - - 186 168
316 286 - - - - - - - - - - 221 200
358 324 - - - - - - - - - - 250 227
149 138 - - 133 124 - - - - - - 120 111
161 146 - - 144 131 - - - - - - 130 118
183 159 - - 166 144 - - - - - - 149 130
205 171 - - 186 155 - - - - - - 171 142
166 154 - - 148 137 - - - - - - 134 124
179 163 - - 160 146 - - - - - - 145 131
204 177 - - 184 160 - - - - - - 166 144
228 190 - - 207 173 - - - - - - 190 158
14
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Equitable Life & Casualty
Insurance Company
1-800-352-5170
www.EquiLife.com
65 142 123 - - - - - -
70 147 128 - - - - - -
75 153 133 - - - - - -
80 157 137 - - - - - -
Counties: Cochise Pinal Yuma
65 161 140 - - - - - -
70 167 145 - - - - - -
75 174 151 - - - - - -
80 178 155 - - - - - -
Counties: Maricopa Pima
65 134 117 - - - - - -
70 139 121 - - - - - -
75 145 126 - - - - - -
80 149 130 - - - - - -
Counties: Mohave Yavapai
Everence Association, Inc.
1-800-348-7468
www.everence.com
65 126 115 - - - - - -
70 137 124 - - - - - -
75 144 131 - - - - - -
80 152 138 - - - - - -
Statewide Rates
Family Life Insurance Company ф
1-800-877-7703
www.familylifeins.com
65 96 84 117 102 135 117 123 107
70 108 94 132 114 153 133 138 120
75 122 106 149 129 173 151 156 136
80 133 116 162 141 188 164 170 148
Statewide Rates
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
15
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
201 175 - - - - - - - - - - 141 123
209 182 - - - - - - - - - - 147 128
219 191 - - - - - - - - - - 154 134
226 197 - - - - - - - - - - 160 139
228 198 - - - - - - - - - - 160 139
237 206 - - - - - - - - - - 167 145
249 216 - - - - - - - - - - 175 152
257 223 - - - - - - - - - - 181 157
190 166 - - - - - - - - - - 134 117
198 172 - - - - - - - - - - 140 122
208 181 - - - - - - - - - - 146 127
215 187 - - - - - - - - - - 151 132
209 190 - - - - - - 122 111 - - - -
226 206 - - - - - - 134 122 - - - -
204 218 - - - - - - 143 130 - - - -
259 236 - - - - - - 155 141 - - - -
141 122 - - 125 108 - - - - 110 96 99 86
157 136 - - 142 123 - - - - 124 108 110 95
177 154 - - 158 138 - - - - 140 122 124 108
191 166 - - 171 149 - - - - 153 133 134 116
16
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Gerber Life Insurance Company
1-800-995-5991
www.gerberlife.com
65 95 83 - - - - - -
70 105 91 - - - - - -
75 113 98 - - - - - -
80 119 104 - - - - - -
Counties: Cochise Maricopa Mohave Pima Pinal
65 87 75 - - - - - -
70 95 83 - - - - - -
75 102 89 - - - - - -
80 108 94 - - - - - -
Counties: Yavapai Yuma
Globe Life and Accident Insurance
Company
1-800-801-6831
www.globecaremedsupp.com
65 95 95 138 138 159 159 - -
70 98 98 145 145 173 173 - -
75 98 98 145 145 177 177 - -
80 98 98 145 145 178 178 - -
Statewide Rates
Government Personnel Mutual
Life Insurance Company
1-866-242-7573
www.gpmlife.com
65 88 77 - - 128 116 - -
70 92 81 - - 135 122 - -
75 96 85 - - 143 130 - -
80 101 89 - - 151 137 - -
Counties: Cochise Maricopa Mohave Pima Pinal
65 80 70 - - 116 105 - -
70 84 74 - - 122 111 - -
75 88 77 - - 130 118 - -
80 91 81 - - 138 125 - -
Counties: Yavapai Yuma
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
17
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
141 123 - - 120 104 - - - - - - - -
156 135 - - 132 114 - - - - - - - -
167 145 - - 141 123 - - - - - - - -
177 154 - - 150 130 - - - - - - - -
129 112 - - 109 95 - - - - - - - -
141 123 - - 120 104 - - - - - - - -
152 132 - - 128 112 - - - - - - - -
161 140 - - 136 118 - - - - - - - -
160 160 - - - - - - - - - - - -
173 173 - - - - - - - - - - - -
178 178 - - - - - - - - - - - -
179 179 - - - - - - - - - - - -
131 118 - - 106 93 - - - - - - 93 82
138 125 - - 112 99 - - - - - - 98 87
146 133 - - 119 106 - - - - - - 105 93
155 140 - - 127 113 - - - - - - 113 100
119 107 - - 96 85 - - - - - - 84 74
125 113 - - 102 90 - - - - - - 89 79
133 121 - - 109 96 - - - - - - 96 85
141 127 - - 116 102 - - - - - - 102 91
18
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Heartland National Life Insurance
Company
1-866-916-7971
www.heartlandnational.net
65 88 77 - - - - 114 99
70 93 81 - - - - 124 108
75 101 87 - - - - 138 120
80 105 91 - - - - 149 130
Counties: Cochise Mohave Yavapai
65 105 92 - - - - 137 119
70 112 97 - - - - 149 129
75 121 105 - - - - 166 144
80 126 109 - - - - 179 155
Counties: Maricopa Pima Pinal Yuma
Humana Insurance Company
1-888-310-8482
www.humana.com
65 135 130 147 142 169 163 - -
70 154 143 167 156 193 179 - -
75 175 157 190 171 219 197 - -
80 193 168 210 183 242 210 - -
Statewide Rates
Liberty National Life Insurance
Company
1-800-331-2512
www.LibNat.com
Under 65, Disabled - - 531 462 - - - -
65 159 139 227 198 - - - -
70 163 142 241 210 - - - -
75 163 142 241 210 - - - -
80 163 142 241 210 - - - -
Statewide Rates
Loyal American Life Insurance
Company
1-800-633-6752
www.gasbinsurance.com
65 129 120 - - - - - -
70 135 122 - - - - - -
75 145 126 - - - - - -
80 153 128 - - - - - -
Counties: Cochise Mohave Pima Yavapai
65 144 133 - - - - - -
70 150 136 - - - - - -
75 161 140 - - - - - -
80 170 142 - - - - - -
Counties: Maricopa Pinal Yuma
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
19
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
127 111 - - 116 101 - - - - 107 93 90 78
136 119 - - 126 110 - - - - 115 101 98 85
150 131 - - 140 122 - - - - 129 112 110 96
162 141 - - 152 132 - - - - 138 120 120 104
153 133 - - 139 121 - - - - 128 111 108 94
163 142 - - 151 132 - - - - 139 121 117 102
180 157 - - 168 147 - - - - 154 134 132 115
195 170 - - 182 158 - - - - 166 144 144 125
173 166 66 64 - - 80 77 113 109 - - - -
196 183 75 70 - - 91 85 129 120 - - - -
223 201 85 76 - - 103 93 146 131 - - - -
246 214 94 82 - - 114 99 161 140 - - - -
- - - - - - - - - - - - - -
261 227 89 78 - - - - - - - - 211 184
285 248 107 93 - - - - - - - - 234 204
299 260 121 105 - - - - - - - - 248 215
308 268 130 113 - - - - - - - - 258 224
171 158 - - 153 142 - - - - - - 137 127
184 167 - - 165 150 - - - - - - 148 135
209 182 - - 189 164 - - - - - - 171 148
234 195 - - 213 177 - - - - - - 195 162
189 175 - - 169 157 - - - - - - 153 141
204 186 - - 183 167 - - - - - - 165 150
232 202 - - 210 183 - - - - - - 190 165
260 217 - - 236 197 - - - - - - 216 180
20
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Marquette National Life Insurance
Company ф
1-800-934-8203
www.marquettenationallife.com
65 124 108 - - - - 145 126
70 138 120 - - - - 168 146
75 144 125 - - - - 188 164
80 144 125 - - - - 204 177
Counties: Cochise Pima
65 131 114 - - - - 153 133
70 146 127 - - - - 178 154
75 152 132 - - - - 199 173
80 152 132 - - - - 215 187
Counties: Maricopa Pinal Yuma
65 138 120 - - - - 162 140
70 154 134 - - - - 187 163
75 160 139 - - - - 210 182
80 160 139 - - - - 227 197
Counties: Mohave
65 117 101 - - - - 137 119
70 130 113 - - - - 158 138
75 135 118 - - - - 177 154
80 135 118 - - - - 192 167
Counties: Yavapai
Medico Insurance Company
1-800-228-6080
www.gomedico.com
65 87 74 - - - - 118 105
70 93 78 - - - - 127 113
75 101 83 - - - - 141 124
80 108 87 - - - - 154 134
Counties: Cochise Mohave Pima Pinal Yavapai Yuma
65 102 86 - - - - 139 124
70 109 91 - - - - 149 133
75 119 98 - - - - 166 146
80 127 102 - - - - 181 157
Counties: Maricopa
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
21
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
168 146 - - 156 135 - - - - - - 121 105
194 168 - - 181 158 - - - - - - 143 117
213 185 - - 201 175 - - - - - - 161 140
225 195 - - 212 185 - - - - - - 174 151
178 155 - - 165 143 - - - - - - 128 111
205 178 - - 192 167 - - - - - - 151 131
225 196 - - 212 185 - - - - - - 170 148
237 207 - - 225 195 - - - - - - 184 160
187 163 - - 174 151 - - - - - - 135 117
216 188 - - 202 176 - - - - - - 159 138
237 207 - - 224 195 - - - - - - 180 156
150 218 - - 237 206 - - - - - - 194 169
158 138 - - 147 128 - - - - - - 114 99
182 159 - - 171 149 - - - - - - 135 117
201 175 - - 189 165 - - - - - - 152 132
212 184 - - 200 174 - - - - - - 164 143
127 113 - - - - - - - - - - - -
136 121 - - - - - - - - - - - -
150 132 - - - - - - - - - - - -
163 142 - - - - - - - - - - - -
149 132 - - - - - - - - - - - -
159 142 - - - - - - - - - - - -
176 155 - - - - - - - - - - - -
191 167 - - - - - - - - - - - -
22
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Order of United Commercial
Travelers of America
1-800-848-0123
www.uct.org
65 158 137 - - - - - -
70 181 157 - - - - - -
75 195 170 - - - - - -
80 201 174 - - - - - -
Counties: Cochise Mohave Pima Pinal Yavapai Yuma
65 203 176 - - - - - -
70 232 202 - - - - - -
75 251 218 - - - - - -
80 258 224 - - - - - -
Counties: Maricopa
Oxford Life Insurance Company ‡
1-877-469-3073
www.oxfordlife.com
65 162 144 - - - - - -
70 177 157 - - - - - -
75 189 167 - - - - - -
80 193 170 - - - - - -
Counties: Cochise Mohave Pima
65 177 157 - - - - - -
70 193 171 - - - - - -
75 206 182 - - - - - -
80 211 186 - - - - - -
Counties: Maricopa Pinal Yuma
65 147 130 - - - - - -
70 160 142 - - - - - -
75 171 151 - - - - - -
80 175 154 - - - - - -
Counties: Yavapai
Physicians Mutual Insurance
Company ₪
1-800-228-9100
www.physiciansmutual.com
65 119 119 - - - - - -
70 119 119 - - - - - -
75 119 119 - - - - - -
80 119 119 - - - - - -
Counties: Cochise Maricopa Mohave Pima Pinal Yavapai Yuma
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
23
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
229 199 - - 190 165 - - - - - - 160 139
262 228 - - 224 195 - - - - - - 183 159
283 246 - - 246 214 - - - - - - 198 172
291 253 - - 258 224 - - - - - - 204 177
294 255 - - 245 213 - - - - - - 206 179
337 293 - - 288 250 - - - - - - 236 205
363 316 - - 316 275 - - - - - - 254 221
374 325 - - 331 288 - - - - - - 262 228
181 160 - - - - - - - - - - 119 105
204 181 - - - - - - - - - - 136 120
228 202 - - - - - - - - - - 154 137
248 219 - - - - - - - - - - 171 152
197 174 - - - - - - - - - - 130 115
223 197 - - - - - - - - - - 148 131
249 221 - - - - - - - - - - 168 150
270 239 - - - - - - - - - - 187 166
163 145 - - - - - - - - - - 108 95
185 163 - - - - - - - - - - 123 109
207 183 - - - - - - - - - - 140 124
224 198 - - - - - - - - - - 155 138
266 266 93 93 218 218 - - - - - - - -
266 266 93 93 218 218 - - - - - - - -
266 266 93 93 218 218 - - - - - - - -
266 266 93 93 218 218 - - - - - - - -
24
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Reserve National Insurance
Company
1-800-654-9106
www.reservenational.com
65 137 137 - - 212 212 - -
70 155 155 - - 241 241 - -
75 174 174 - - 270 270 - -
80 189 189 - - 293 293 - -
Statewide Rates
Royal Neighbors of America
1-877-217-4040
www.royalneighbors.org
65 140 125 - - - - - -
70 151 135 - - - - - -
75 163 145 - - - - - -
80 176 157 - - - - - -
Counties: Cochise Maricopa
65 129 115 - - - - - -
70 140 125 - - - - - -
75 151 135 - - - - - -
80 163 146 - - - - - -
Counties: Mohave
65 114 102 - - - - - -
70 123 110 - - - - - -
75 133 119 - - - - - -
80 143 128 - - - - - -
Counties: Pima Pinal Yavapai Yuma
Sentinel Security Life Insurance
Company
1-800-247-1423
www.sentinellife.org
65 87 75 95 82 117 101 98 85
70 95 82 104 90 128 112 109 95
75 112 97 124 108 155 135 124 108
80 128 111 145 126 182 158 156 136
Counties: Cochise Maricopa Mohave Pima Pinal Yavapai Yuma
Sentinel Security Life Insurance
Company (SELECT)
1-800-247-1423
www.sentinellife.org
65 - - - - 93 81 78 68
70 - - - - 103 89 87 76
75 - - - - 124 108 100 87
80 - - - - 146 127 125 109
Counties: Pima
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
25
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
178 178 56 56 - - - - - - - - 141 141
203 203 64 64 - - - - - - - - 160 160
227 227 71 71 - - - - - - - - 179 179
246 246 77 77 - - - - - - - - 195 195
205 183 - - 164 147 - - - - - - - -
221 198 - - 178 159 - - - - - - - -
239 214 - - 192 171 - - - - - - - -
259 231 - - 207 185 - - - - - - - -
190 170 - - 152 136 - - - - - - - -
205 183 - - 164 147 - - - - - - - -
222 198 - - 178 159 - - - - - - - -
239 214 - - 192 171 - - - - - - - -
167 149 - - 134 120 - - - - - - - -
180 161 - - 145 129 - - - - - - - -
195 174 - - 156 140 - - - - - - - -
211 188 - - 169 151 - - - - - - - -
121 105 - - - - - - - - - - 87 76
133 116 - - - - - - - - - - 93 81
161 140 - - - - - - - - - - 100 87
189 164 - - - - - - - - - - 107 93
97 84 - - - - - - - - - - 70 61
107 93 - - - - - - - - - - 74 65
129 112 - - - - - - - - - - 80 69
151 131 - - - - - - - - - - 85 74
26
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Standard Life and Accident
Insurance Company
1-888-350-1488
www.slaico.com
65 196 181 223 206 254 234 153 141
70 234 200 267 228 303 259 183 156
75 268 221 305 251 347 286 209 172
80 323 265 367 302 418 343 252 207
Counties: Cochise Yavapai
65 206 190 235 216 267 246 161 148
70 247 211 281 240 319 273 192 164
75 282 232 321 264 365 301 220 181
80 340 279 387 318 440 361 265 218
Counties: Maricopa Pima Pinal Yuma
65 237 219 270 249 307 283 185 171
70 284 242 323 276 367 314 221 189
75 324 267 369 304 420 346 253 208
80 391 321 445 365 506 415 305 250
Counties: Mohave
State Farm Mutual Automobile
Insurance Company
1-866-855-1212
www.statefarm.com
65 109 109 - - 165 165 - -
70 127 127 - - 191 191 - -
75 140 140 - - 211 211 - -
80 148 148 - - 223 223 - -
Counties: Cochise Mohave Yavapai Yuma
65 114 114 - - 171 171 - -
70 132 132 - - 198 198 - -
75 146 146 - - 220 220 - -
80 154 154 - - 232 232 - -
Counties: Maricopa Pima Pinal
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
27
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
209 192 30 28 154 142 - - - - - - 101 93
249 213 36 31 184 157 - - - - - - 120 103
285 235 41 34 210 173 - - - - - - 137 113
344 282 50 41 254 208 - - - - - - 166 136
220 202 32 29 162 149 - - - - - - 106 98
263 224 38 33 194 166 - - - - - - 127 108
300 247 44 36 222 183 - - - - - - 145 119
362 297 53 43 267 219 - - - - - - 174 143
253 233 37 34 186 172 - - - - - - 122 112
302 258 44 38 223 190 - - - - - - 146 124
345 284 50 41 255 210 - - - - - - 166 137
416 341 60 50 307 252 - - - - - - 201 165
167 167 - - - - - - - - - - - -
193 193 - - - - - - - - - - - -
213 213 - - - - - - - - - - - -
226 226 - - - - - - - - - - - -
173 173 - - - - - - - - - - - -
201 201 - - - - - - - - - - - -
222 222 - - - - - - - - - - - -
235 235 - - - - - - - - - - - -
28
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
State Mutual Insurance Company
1-800-241-7598
65 76 66 88 77 106 93 93 80
70 85 74 99 86 120 105 104 91
75 96 84 112 98 136 118 118 102
80 105 91 122 106 148 129 128 111
Counties: Cochise Mohave Pima Yavapai
65 91 79 107 93 129 112 112 97
70 103 89 120 104 145 126 126 109
75 116 101 136 118 164 143 142 124
80 126 110 148 128 179 155 155 135
Counties: Maricopa Pinal Yuma
Sterling Investors Life Insurance
Company
1-877-896-6434
www.sterlinginvestors.com
65 81 71 95 83 115 100 100 87
70 91 80 107 93 129 112 112 97
75 104 90 121 105 146 127 127 110
80 113 98 131 114 159 138 138 120
Counties: Cochise Mohave Pima Yavapai
65 98 85 115 100 138 120 120 105
70 110 96 129 112 156 136 135 118
75 125 109 146 127 177 154 153 133
80 136 118 159 138 192 167 166 145
Counties: Maricopa Pinal Yuma
Sterling Life Insurance Company
1-800-688-0010
www.sterlingplans.com
Under 65, Disabled 361 361 - - - - - -
65 161 161 182 182 196 181 - -
70 180 180 208 208 228 206 - -
75 193 193 230 230 254 227 - -
80 203 203 254 254 284 251 - -
Counties: Cochise Maricopa Mohave Pima Pinal Yuma
Under 65, Disabled 361 361 - - - - - -
65 136 136 157 157 172 159 - -
70 152 152 180 180 200 181 - -
75 163 163 198 198 222 199 - -
80 172 172 220 220 249 221 - -
Counties: Yavapai
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
29
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
111 96 44 38 94 82 - - - - 83 72 77 67
123 107 49 42 107 93 - - - - 94 81 86 75
139 121 55 48 119 104 - - - - 106 92 97 85
150 131 59 51 129 112 - - - - 115 100 105 91
134 116 53 46 114 99 - - - - 101 87 94 81
149 130 59 51 129 112 - - - - 113 98 104 91
168 146 66 57 144 125 - - - - 128 111 118 102
181 158 71 62 156 136 - - - - 139 121 127 110
119 104 47 41 101 88 - - - - 90 78 83 72
133 115 52 45 115 100 - - - - 101 88 93 81
149 130 59 51 128 112 - - - - 114 99 105 91
161 140 64 55 139 121 - - - - 124 108 113 98
144 125 57 49 122 106 - - - - 108 94 101 88
160 139 63 55 139 121 - - - - 122 106 112 98
181 157 71 62 155 135 - - - - 138 120 126 110
195 170 77 67 168 146 - - - - 150 130 137 119
- - - - - - - - - - - - - -
190 175 - - 173 160 84 77 - - - - 143 132
220 199 - - 202 182 98 89 - - - - 167 151
245 219 - - 225 201 110 99 - - - - 187 167
273 243 - - 253 224 125 111 - - - - 211 187
- - - - - - - - - - - - - -
166 153 - - 150 138 73 67 - - - - 124 114
193 175 - - 175 158 85 77 - - - - 145 131
214 192 - - 195 174 95 85 - - - - 162 145
240 213 - - 219 194 108 96 - - - - 183 163
30
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
Sterling Life Insurance Company
(SELECT)
1-800-688-0010
www.sterlingplans.com
65 145 145 149 149 164 151 - -
70 162 162 167 167 187 169 - -
75 172 172 178 178 202 181 - -
80 178 178 188 188 218 193 - -
Counties: Cochise Maricopa Pima
Thrivent Financial for Lutherans
1-800-847-4836
www.thrivent.com
65 107 107 127 127 164 164 137 137
70 118 118 139 139 180 180 150 150
75 127 127 150 150 194 194 162 162
80 135 135 159 159 206 206 172 172
Counties: Cochise Mohave Pinal Yavapai Yuma
65 114 114 134 134 173 173 145 145
70 125 125 147 147 190 190 159 159
75 135 135 159 159 205 205 171 171
80 143 143 168 168 218 218 182 182
Counties: Maricopa Pima
Transamerica Life Insurance
Company ‡
1-800-752-9797
65 86 86 114 114 133 133 123 123
70 108 108 146 146 168 168 154 154
75 138 138 183 183 210 210 193 193
80 179 179 239 239 274 274 252 252
Statewide Rates
United American Insurance
Company
1-800-331-2512
www.unitedamerican.com
Under 65, Disabled - - 506 440 - - - -
65 152 132 220 191 257 224 244 212
70 153 133 227 197 272 237 259 225
75 153 133 227 197 283 246 269 234
80 153 133 227 197 289 252 276 240
Statewide Rates
United of Omaha Life Insurance
Company ф
1-800-865-2674
www.mutualofomaha.com
65 76 70 - - - - - -
70 93 81 - - - - - -
75 105 91 - - - - - -
80 110 99 - - - - - -
Statewide Rates
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
31
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
146 135 - - 131 121 60 56 - - - - 105 97
167 151 - - 150 136 69 62 - - - - 120 109
181 162 - - 163 146 75 67 - - - - 131 117
194 172 - - 176 156 81 72 - - - - 142 126
164 164 54 54 141 141 - - 102 102 128 128 - -
180 180 59 59 155 155 - - 111 111 140 140 - -
195 195 64 64 167 167 - - 120 120 152 152 - -
207 207 68 68 177 177 - - 127 127 161 161 - -
174 174 57 57 149 149 - - 108 108 135 135 - -
191 191 62 62 164 164 - - 118 118 149 149 - -
206 206 67 67 177 177 - - 127 127 160 160 - -
219 219 71 71 187 187 - - 135 135 170 170 - -
134 134 - - 122 122 61 61 91 91 112 112 105 105
170 170 - - 153 153 78 78 115 115 142 142 134 134
212 212 - - 192 192 97 97 144 144 177 177 167 167
274 274 - - 249 249 126 126 186 186 229 229 216 216
- - 258 224 - - - - - - - - - -
259 225 91 79 245 213 129 113 182 158 - - 210 183
273 238 99 86 260 226 142 124 200 174 - - 224 195
284 247 106 92 270 235 147 128 207 180 - - 235 205
290 252 112 99 277 241 150 131 211 184 - - 243 211
111 102 - - 91 83 - - - - 86 79 82 76
134 118 - - 110 97 - - - - 105 92 100 88
152 132 - - 124 108 - - - - 119 103 113 98
160 143 - - 131 117 - - - - 125 111 119 106
32
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
UnitedHealthcare Insurance
Company/AARP ф ₪
1-800-523-5800
www.aarphealthcare.com
65 74 74 103 103 116 116 - -
70 91 91 126 126 144 144 - -
75 119 119 165 165 188 188 - -
80 119 119 165 165 188 188 - -
Statewide Rates
UnitedHealthcare Insurance
Company/AARP (SELECT) ф ₪
1-800-523-5800
www.aarphealthcare.com
65 - - - - 93 93 - -
70 - - - - 115 115 - -
75 - - - - 151 151 - -
80 - - - - 151 151 - -
Counties: Cochise Maricopa Pima Pinal
UnitedHealthcare Insurance
Company/SecureHorizons
1-800-768-1479
www.SecureHorizons.com
65 118 118 - - - - - -
70 129 129 - - - - - -
75 136 136 - - - - - -
80 138 138 - - - - - -
Statewide Rates
USAA Life Insurance Company
1-800-531-8722
www.usaa.com
65 106 106 - - - - - -
70 119 119 - - - - - -
75 126 126 - - - - - -
80 131 131 - - - - - -
Statewide Rates
Western Mutual Insurance
Company ‡ ₪
1-800-748-5340
www.westernmutualinsurance.com
65 69 69 - - 167 167 - -
70 69 69 - - 167 167 - -
75 69 69 - - 167 167 - -
80 69 69 - - 167 167 - -
Statewide Rates
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
33
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
118 118 - - - - 47 47 69 69 - - 80 80
145 145 - - - - 58 58 85 85 - - 98 98
190 190 - - - - 77 77 112 112 - - 129 129
190 190 - - - - 77 77 112 112 - - 129 129
95 95 - - - - - - - - - - - -
117 117 - - - - - - - - - - - -
153 153 - - - - - - - - - - - -
153 153 - - - - - - - - - - - -
169 169 55 55 153 153 76 76 110 110 - - 114 114
192 192 65 65 175 175 84 84 125 125 - - 134 134
217 217 78 78 200 200 94 94 142 142 - - 157 157
239 239 90 90 222 222 104 104 157 157 - - 176 176
135 135 - - - - - - - - - - - -
152 152 - - - - - - - - - - - -
160 160 - - - - - - - - - - - -
167 167 - - - - - - - - - - - -
195 195 - - - - - - - - - - - -
195 195 - - - - - - - - - - - -
195 195 - - - - - - - - - - - -
195 195 - - - - - - - - - - - -
34
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
Name of Insurer
Your
Age
A
Male Female
B
Male Female
C
Male Female
D
Male Female
World Corp Insurance Company ф
1-866-891-9365
www.CompletePlus.com
65 103 86 - - - - - -
70 121 100 - - - - - -
75 142 114 - - - - - -
80 160 126 - - - - - -
Counties: Cochise Yavapai
65 116 97 - - - - - -
70 137 113 - - - - - -
75 160 129 - - - - - -
80 180 142 - - - - - -
Counties: Maricopa Mohave
65 109 91 - - - - - -
70 129 106 - - - - - -
75 151 122 - - - - - -
80 170 134 - - - - - -
Counties: Pima Pinal Yuma
means the insurer offers a marital discount
means the insurer does not receive "cross-over" claim service (see glossary, page 6)
35
ф
‡
₪ means the insurer uses community rating rather than issue age rating (see glossary, page 6)
F
Male Female
F(HD)*
Male Female
G
Male Female
K
Male Female
L
Male Female
M
Male Female
N
Male Female
136 113 57 47 - - - - - - - - - -
160 132 67 55 - - - - - - - - - -
188 151 78 63 - - - - - - - - - -
212 167 88 69 - - - - - - - - - -
153 128 64 53 - - - - - - - - - -
181 149 75 62 - - - - - - - - - -
212 170 88 71 - - - - - - - - - -
239 188 99 78 - - - - - - - - - -
144 121 60 50 - - - - - - - - - -
171 141 71 59 - - - - - - - - - -
200 161 83 67 - - - - - - - - - -
225 177 94 74 - - - - - - - - - -
36
- means the plan is not offered
* Plan "F(HD)" is Plan F with a High Deductible option
37
Helpful Resources
To order Medicare-related literature,
obtain general information about
Medicare, Medicare plans and
Prescription Drug benefits, call:
1-800-Medicare (1-800-633-4227) or
visit www.medicare.gov
For help with buying a Medicare
Supplement policy, dealing with
payment appeals, complaints about
your care or Medicare bills, call:
State Health Insurance Assistance
Program (SHIP)
1-800-432-4040
For questions about medical bills or
services related to your Medicare Part
A benefits (hospital, skilled nursing
facilities), or your Medicare Part B
benefits call:
1-800-Medicare (1-800-633-4227) or
visit www.medicare.gov
To complain about the quality of
medical care you received or about
early discharge from the hospital, call:
Health Services Advisory Group 1-
800-359-9909
To learn about programs that may
help pay medical bills for people
with low income, call:
Arizona Health Care Cost
Containment System (AHCCCS)
602-417-7100 or 1-800-654-8713
(outside Maricopa County)
For questions or help in applying
for Medicare, a lost Medicare
card, or social security benefits,
call:
Social Security Administration
1-800-772-1213
For assistance with a Medicare
Supplement insurance company
or insurance agent, or any other
type of insurance, call:
Arizona Department of
Insurance Phoenix at 602-364-
2499, or 1-800-325-2548 (outside
Maricopa County), or visit
www.azinsurance.gov
Call the State Health Insurance
Assistance Program (SHIP) for
free benefits counseling:
(800) 432-4040.
____________________________________
The Arizona Department of Insurance does not recommend or
endorse any particular insurance company or product.
This publication is provided as a guide to assist you in shopping
for Medicare Supplement insurance.
This guide was produced and distributed with the help of the
Arizona State Health Insurance Assistance Program, part of the
Division of Aging and Adult Services in the Arizona Department of
Economic Security.
Use this space to make notes about your
comparisons of policies, insurance companies
and/or insurance agents.
To verify insurer and agent licensure, contact us:
Arizona Department of Insurance
2910 N. 44th Street, Ste. 210
Phoenix, AZ 85018
602.364.2499 or
800.325.2548 (outside Maricopa County)
www.azinsurance.gov
38
NOTES
39
NOTES
40
Arizona Department of Insurance
2910 North 44th Street, Suite 210
Phoenix, Arizona 85018
(602) 364-2499
www.azinsurance.gov
The Arizona Department of Insurance is an Equal Employment Opportunity agency that complies with the Americans with
disabilities Act ("ADA") and the Arizonans with Disabilities Act. Persons with disabilities may request that materials be presented
in an alternative format by contacting the ADA Coordinator at (602) 364-3100. Requests should be made as early as possible to
allow time to procure the materials in an alternate format.
Published January 2011
Arizona Department of Insurance