by Russell Noga | Updated June 16th, 2023
Original Medicare Parts A & B are federally-funded healthcare programs for American seniors. Medicare gives you financial support for your hospital and medical costs during retirement.
Many seniors don’t realize Medicare policies only cover 80% of healthcare costs. They find it surprising to receive bills after an extended hospital or medical facility stay.
Medicare supplement insurance, known as “Medigap,” partially or fully covers the expenses left by Original Medicare Parts A & B.
These policies bring better predictability to your annual healthcare expenses. You can purchase a Medigap plan from a private healthcare insurer, like GCU, during the “Open Enrollment” period in the six months starting from your 65th birthday.
During this 6-month Medigap Open Enrollment period, all companies must issue you a policy, even if you have pre-existing conditions.
GCU Medicare Supplement Plans at a Glance
- GCU is a private union offering Medigap plans and insurance products to the Greek Catholic community in Pennsylvania.
- The company has a niche offering of Medigap plans.
- GCU provides additional member perks with local businesses.
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Who Is GCU?
Founded in 1982, GCU (Greek Catholic Union) has headquarters in Wilkes-Barre, Pennsylvania. The company’s first headquarters were near Pittsburgh but moved to Beaver in 1987. 14 Catholic Greek Lodges founded the union to ensure the protection and education of its members.
While it’s a popular union for orthodox Greek communities, it currently hosts around 30,000 members. To qualify as a member of GCU, applicants must comply with the following bylaws.
- The applicant must be a member of a Byzantine Church under the jurisdiction of the Metropolitan Ruthenian Church of Pittsburgh.
- The applicant must have Slav heritage and be a member of the Catholic Church.
- The applicant must be of the Christian or Catholic denomination and follow the Nicene Creed tenants.
- The applicant must be a member of a fraternal society.
What Medicare Supplement Plans Does GCU Offer?
GCU serves its members with the three most popular Medigap plans, F, G, & N, and they offer Plan A per CMS guidelines.
Plan A – This basic plan provides coverage for Medicare Part A benefits, excluding the Medicare Part A deductible. You also get coverage for Medicare Part B coinsurance and copayments.
Plan F – This policy offers the most comprehensive coverage, including Medicare Part B deductible benefits.
Plan G – This policy is the best choice for new Medicare members looking for near-comprehensive coverage. The only benefit it doesn’t cover is the Medicare Part B deductible.
Plan N – This policy features copays and doesn’t cover the Medicare Part B deductible or excess charges. However, it has affordable premiums.
GCU Medicare Supplement Plans – Benefits & Coverage
GU Medigap plans have benefits standardized by the CMS, a federal agency. The CMS regulates the Medigap industry, ensuring GCU and all Medigap providers offer the same benefits in their plans. As a result, the benefits you get in a Medigap plan from GCU are the same as any other provider.
All Medigap plans offer the following benefits for Original Medicare Parts A & B.
- Part A coinsurance and hospital costs for up to 365 days after using up Medicare benefits.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance or copayment.
- Blood transfusion costs for the first three pints of blood.
Plans F*, G, and N offer additional Medicare Parts A & B benefits.
- Part A deductible.
- Part B excess charges (Plan N doesn’t cover these charges).
- Skilled nursing facility care coinsurance.
- 80% of emergency healthcare costs when traveling outside the US for 60 days. ($250 deductible and $50,000 maximum apply).
- Unlimited coverage for all out-of-pocket costs.
*Plan F covers the Medicare Part B deductible and is no longer available to seniors qualifying for Medicare after January 1, 2020. If you were eligible for Medicare before this date but didn’t enroll in Medigap, you can still apply for a Plan F policy with GCU. GCU might require you to undergo medical underwriting unless you have “guaranteed issue rights.”
What GCU Medicare Supplement Plans Don't Cover
GCU Medigap plans, like all Medigap offerings for any provider, don’t cover medical costs unrelated to Original Medicare Parts A & B. You don’t have coverage for vision, dental, or hearing services, and there’s no coverage for your prescriptions.
Medigap doesn’t cover preventative treatments from the chiropractor, acupuncturist, podiatrist, or physiotherapist. In some cases, Medicare and Medigap might cover these costs if deemed medically necessary by your doctor. Medigap doesn’t cover stays at unskilled nursing homes or private-duty nursing services.
GCU Medicare Supplement Plans – Premiums
GCU will create a risk profile when you request a quote to join their Medigap plan. They use the risk profile to set your monthly premium rates. Factors used in assessing your risk profile include age, gender, smoking status, and location in the United States.
Here are the average premium rates from GCU for each Medigap plan. The pricing is for a 65-year-old female nonsmoker.
*Your premium rates may differ depending on your risk profile.
GCU Medicare Supplement Plans – Additional Benefits & Discounts
GCU offers members a 7% household discount and discounts for members on healthcare services and products with local businesses. As a GCU member, you get limited access to the privately-owned Seven Oaks Country Club. Members are eligible to apply for residency in the union’s private golf community in Beaver, PA.
GCU Medicare Supplement Plans – Third-Party Ratings & Reviews
GCU has an A- rating with AM Best for its financial strength. The company is not registered with the Better Business Bureau.
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Frequently Asked Questions
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Call Us for More Information on GCU Medicare Supplement Plans
Contact our office at 1-888-891-0229 for a free consultation on GCU Medigap plans. Our fully licensed agents offer you a free quote on any policy, with the best rates in your state.
If you can’t call us now, complete the contact form on this site, and we’ll get a consultant to call you back. Or you can use the free tool on our site to get an automated quote on any Medigap plan.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.