In some states, if you receive Medicare benefits because of a disability or end-stage renal disease, you may apply for a Medicare Supplement insurance policy regardless of your age. In Montana, all Medicare Supplement standardized plans are offered to qualified individuals under the age of 65 and disabled.
IMPORTANT NOTICE – “A CONSUMER’S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE” MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE, MEDICARE.GOV, THE DEPARTMENT OF INSURANCE, FROM AMERICO, OR YOU MAY REVIEW THE DOCUMENT BY THE LINK PROVIDED ON THIS WEBSITE CLICK HERE
You may request an Outline of Coverage from Americo or click here
to immediately review an Outline of Coverage for your state. For cost and complete details of coverage, contact Americo or an Americo agent/producer.
Your coverage starts on the Effective Date at 12:01 A.M. where you live. It ends at 12:01 A.M. where you live on the first Policy Renewal Date. Each time you renew Your Policy by paying the premium within the 31-day grace period, the new term begins when the old term ends. You may cancel your policy at any time by giving us written notice.
MEDICARE SUPPLEMENT INSURANCE IS DESIGNED TO ONLY COVER THOSE MEDICARE-APPROVED EXPENSES WHICH MEDICARE DOES NOT COVER. This policy has exclusions. For costs and complete details of the coverage, call or write Americo. We will not pay benefits for: (a) expense incurred while this Policy is not in force, except as provided in the EXTENSION OF BENEFITS section; (b) Hospital or Skilled Nursing Facility confinement incurred during a Medicare Part A Benefit Period that begins while this Policy is not in force; (c) that portion of any expense incurred which is paid for by Medicare; (d) that portion of any expense that is payable under any other insurance plan, policy, certificate, or any employee benefit plan, which pays benefits on an expense-incurred basis; (e) any expense that duplicates payments made under any other provision of the Policy; (f) services for non-Medicare Eligible Expenses, including, but not limited to, routine exams, take-home drugs and eye refractions; (g) services for which a charge is not normally made in the absence of insurance; (h) loss or expense that is payable under any other Medicare Supplement Insurance policy or certificate; or (i) expenses which are not determined to be Medicare Eligible Expenses by the Federal Medicare Program or its administrators, except to the extent provided in the Policy.
Licensed insurance agents/producers are authorized to sell this Medicare Supplement insurance policy on behalf of Americo Financial Life and Annuity Insurance Company. This information can be verified by contacting Americo Financial Life and Annuity Insurance Company.