Medicare Supplements

Globe Life Insurance Company of New York offers 10 of the 11 Standardized Medicare Supplement plans – A, B, C, D, F, F+, G, K, L, and N. New York Medicare Supplement plans are based on one rate for all ages (community rates), which means premiums don’t increase each year with your age. Globe Life Insurance Company of New York’s Medicare Supplements are regulated by the New York State Department of Financial Services. All plans provide the core benefits required by the federal government, but differ in the additional benefits offered. The plan you choose depends on your individual financial situation and personal supplemental needs.

All Medicare Standardized plans include the following Basic Benefits:

  • Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
  • Medical Expenses: Part B coinsurance (generally 20% of Medicare approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of the Part B coinsurance or copayment.
  • Blood: First 3 pints of blood each year.
  • Hospice: Part A coinsurance for eligible hospice/respite care expenses. See outline of coverage for details and exceptions.

Globe Life Insurance Company of New York Medicare Supplement Plans Comparison

Medicare Plans/Benefits
A
B
C
D
F ▼
F+
G
K ■
L ■
N ●
Basic Benefits
Hospitalization
(Part A Coinsurance)
Medical Expenses
(Part B Coinsurance)
100%
100%
100%
100%
100%
100%
100%
50%
75%
100%
Blood
50%
75%
Hospice
50%
75%
Skilled Nursing Facility Coinsurance
50%
75%
Part A Deductible
50%
75%
Part B Deductible
Excess Doctor Charges
100%
100%
100%
Foreign Travel Emergency
80%
80%
80%
80%
80%
80%
Out-of-Pocket Annual Limit
$2,200
$5,120
$2,560
  • ▼ Plan F also offers a high-deductible plan (F+). If you choose this option, this means you must pay for Medicare-covered costs up to the out-of-pocket limit listed above before your Medigap plan pays anything.
  • ■ Plans K and L provide for different out-of-pocket cost-sharing (50% for Plan K, 25% for Plan L). Once you reach the annual limit ($5,120 for Plan K, $2,560 for Plan L), the plan pays 100% of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include the charges from your provider that exceed Medicare-approved amounts, called ‘excess charges’. You will be responsible for paying excess charges. The out-of-pocket annual limit may increase each year for inflation.
  • ● Plan N pays 100% of Medical Expenses (Part B Coinsurance), except for a copayment of up to $20 for an office visit and up to $50 for an emergency room visit. The emergency room copayment is waived if the insured is admitted to any hospital, and the emergency visit is covered as a Medicare Part A expense.

Globe Life Insurance Company of New York’s Medicare Supplement insurance policies give you the freedom to choose from providers and hospitals that accept Medicare.

Request more information to determine which plan best fits your needs and budget.

IMPORTANT: To be eligible for a Medicare Supplement insurance plan, you must be enrolled in both Medicare Part A and B.

Visit Medicare.gov to learn more about Part A and B coverage.

New York Medicare Supplement Open Enrollment

New York State law and regulation require companies issuing Medicare Supplement insurance policies (Medigap) accept applications from Medicare enrollees at any time throughout the year. Insurers are not permitted to deny an applicant a Medigap policy or make premium rate distinctions based on the applicant’s health status, medical condition, claims experience, or if the applicant is receiving healthcare treatment.

Learn more about regulatory requirements for Medicare Supplement plans in New York.

“Automatic” Claims Filing ® (ACF ®) – Medicare Supplement Claims Filing Made Easier

When you’re recovering from an illness, the last thing you want to deal with is filing your insurance paperwork. Globe Life Insurance Company of New York’s “Automatic” Claims Filing® practically eliminates your need to file Medicare Part B claims. With ACF ®, you get superior service. And best of all – your claims are paid quickly and accurately.

  • Helps Eliminate Claims Filing Headaches: Globe Life Insurance Company of New York receives your Part B claims directly from Medicare, so you may never have to deal with the hassle of submitting insurance paperwork.
  • Speeds Claims Delivery: No waiting for you or your doctor to send claims to the insurer. The benefit check for the healthcare provider is usually in process before you receive your Medicare Summary Notice.
  • No Missed Claims: ACF ® helps prevent lost or misfiled claims, so all eligible benefit dollars due under your policy are paid.