by Russell Noga | Updated November 26th, 2023
If you’re a beneficiary of Original Medicare Parts A & B, you qualify for a Medicare supplement plan when you turn 65. Also known as “Medigap,” these policies help Medicare beneficiaries fully or partially cover the out-of-pocket costs associated with medical and hospital expenses.
Medigap plans are available from private healthcare providers. There are dozens of insurers offering Medigap plans.
You can sign up with any plan or provider servicing your area during the “Open Enrollment period.”
During this time, the Medigap provider must accept our application, even if you have pre-existing conditions.
This post looks at the Medigap offering from Puritan Life. We’ll unpack the plans, benefits, perks, and premiums on their Medigap range.
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Puritan Life Medicare Supplement Plans at a Glance
- Puritan Life offers Medicare plans in 41 states.
- The company focuses on providing popular plans, with Plans A, F, G, & N available for new applicants.
- Puritan offers low premiums in many states but has no additional benefits or perks for members.
Who Is Puritan Life?
Puritan Life offers Medigap plans in 41 states. The company has headquarters in Scottsdale, Arizona. The Underwriters Life Insurance Company and Century Life Assurance Company merged in 2017, forming Puritan Life Insurance Company of America.
What Medicare Supplement Plans Does Puritan Life Offer?
Puritan Life focuses on offering the most popular plans in the Medigap range. All Medigap insurers must offer Plan A as per CMS guidelines.
Plan A – Basic benefits, but no coverage for the Part A deductible. An entry-level plan for low-income seniors.
Plan F – The most comprehensive coverage available from any Medigap plan. However, it’s no longer available to non-qualifying Medigap applicants. It’s a good choice for beneficiaries who want “first-dollar coverage.” You don’t pay any Medicare expenses other than your monthly Medigap premiums.
Plan G – Near-comprehensive coverage is a good choice for people who don’t qualify for Plan F. The only thing it doesn’t cover is the Medicare Part B deductible.
Plan N – A policy requiring copayments of $20 at the doctor’s office and $50 at the emergency room when not admitted into inpatient care at the hospital. There’s no coverage for Medicare Part B excess charges incurred when visiting practitioners who charge more than Medicare-approved rates. However, you get low monthly premiums.
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Puritan Life Medicare Supplement Plans – Benefits & Coverage
The CMS is a federal agency regulating the Medigap industry. This organization ensures all Medigap providers offer the same standardized benefits in their Medigap range. So, if you buy a Medigap plan from Puritan Life, it comes with the same Medicare Part A & B benefits as a plan from any 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.
*Plan F is being phased out due to its Medicare Part B deductible coverage. Seniors eligible for Medicare after January 1, 2020, cannot enroll in Plan F. However, if you’re eligible for Medicare before this date and have yet to enroll in a Medigap plan, you still qualify for Plan F. However, Puritan Life may require you to undergo medical underwriting before issuing you a Plan F policy.
In some cases, you qualify for guaranteed issue rights to Plan F, and Puritan Life may not request you to endure medical underwriting for your Plan F policy. Our team of Medigap experts can assist you with understanding your position and if guaranteed issue rights apply to you.
What Puritan Life Medicare Supplement Plans Don't Cover
Puritan Life Medigap plans don’t cover the costs of medical and hospital expenses not covered by Original Medicare Parts A & B. You don’t have coverage for vision, hearing, or dental services or prescription medications.
There’s no coverage for cosmetic procedures like teeth whitening or preventative treatments at the chiropractor, acupuncturist, physiotherapist, or podiatrist. Medigap policies don’t include coverage for private-duty nursing or stays at unskilled nursing homes.
Puritan Life Medicare Supplement Plans – Premiums
Puritan Life has some of the best rates on Medigap plans and is the most affordable provider of some plans in some states. Here are the average rates for a 65-year-old female nonsmoker in Kentucky
*Your rates may vary depending on your risk profile.
Puritan Life Medicare Supplement Plans – Additional Benefits
Puritan Life offers low rates on its Medigap plans. However, the company doesn’t offer anything in the way of additional perks for beneficiaries. You don’t have any options for discounted rates on OTC supplements and other wellness products. There’s also no discount for vision, dental, or hearing services and no standalone policies covering these expenses.
Puritan Life Medicare Supplement Plans – Third-Party Ratings & Reviews
Puritan Life has a B++ rating with AM Best for its financial strength. The company also has an A+ rating with the Better Business Bureau and a good customer service track record, with complaints lower than the national average.
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Frequently Asked Questions
What are Puritan Life Medicare Supplement plans?
Puritan Life Medicare Supplement plans are insurance policies designed to supplement Original Medicare. These plans help cover out-of-pocket costs such as deductibles, coinsurance, and copayments, providing greater financial protection and peace of mind.
Who is eligible to enroll in Puritan Life Medicare Supplement plans?
Eligibility for Puritan Life Medicare Supplement plans generally requires individuals to be enrolled in both Medicare Part A and Part B. Enrollment is typically open to people who are 65 years or older, or those under 65 with certain disabilities.
What is the difference between Puritan Life Medicare Supplement Plan G and Plan N?
Puritan Life Medicare Supplement Plan G offers comprehensive coverage, including coverage for the Part A deductible, Part B excess charges, and skilled nursing facility coinsurance. Plan N provides similar coverage but with some cost-sharing, such as a copayment for office visits and emergency room visits.
What coverage and benefits are included in Puritan Life Medicare Supplement plans?
Puritan Life Medicare Supplement plans generally cover Medicare Part A and B coinsurance, hospital costs, and provide coverage for additional services like preventive care, skilled nursing facility care, and foreign travel emergencies. The specific coverage may vary based on the plan.
Are there any additional benefits or perks offered by Puritan Life Medicare Supplement plans?
While specific benefits and perks may vary, Puritan Life Medicare Supplement plans may offer benefits such as coverage for prescription drugs, vision and dental care, fitness programs, and telehealth services. It’s important to review the details of each plan to understand the specific benefits included.
How can I enroll in Puritan Life Medicare Supplement plans?
To enroll in Puritan Life Medicare Supplement plans, you can contact Puritan Life directly or work with a licensed insurance agent who represents Puritan Life. They can guide you through the enrollment process, help you choose the most suitable plan, and assist with any required paperwork.
Can I keep my current healthcare providers with Puritan Life Medicare Supplement plans?
Puritan Life Medicare Supplement plans work with any healthcare provider that accepts Medicare patients, giving you the freedom to choose your preferred doctors and specialists. It’s always recommended to check with your specific healthcare providers to ensure they accept Medicare assignment.
What factors should I consider when comparing Puritan Life Medicare Supplement plans?
When comparing Puritan Life Medicare Supplement plans, consider factors such as the specific coverage offered, premium rates, company reputation, customer service quality, and any additional benefits or perks that align with your healthcare needs.
Are there any discounts or savings opportunities available for Puritan Life Medicare Supplement plans?
Puritan Life may offer discounts or savings opportunities for Medicare Supplement plans. These can vary based on factors such as age, household discounts, or payment method discounts. It’s recommended to inquire directly with Puritan Life or their authorized agents to learn about any available savings opportunities.
Where can I get more information about Puritan Life Medicare Supplement plans?
To get more information about Puritan Life Medicare Supplement plans, visit their official website or contact Puritan Life directly. Additionally, you can consult with licensed insurance agents who represent Puritan Life to get personalized guidance and assistance in understanding the plan options.
Call Us for More Information on Puritan Life Medicare Supplement Plans
Call our team at 1-888-891-0229 for a free consultation and professional advice on Puritan Life Medigap policies. We work with all insurers in the industry. You can secure a free quote on any Medigap plan from any provider, and we’ll advise you on the right plan for your healthcare requirements and budget at no cost to you.
If you can’t call us right now, leave your details on our contact form, and we’ll get a fully licensed Medigap agent to call you. Or you can use the automated tool on our site for a free 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.