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Medicare Insurance Brokerage …

United States Fire Insurance Company, a subsidiary of Crum & Forster, delivers plenty of benefits that the U.S. government’s Medicare program is not able to provide. While it’s true that the current federal healthcare system already covers the basics, it is lacking in terms of providing the key essentials for the senior population. The reason why Medicare Supplement (Medigap) programs were created is to meet such needs; that is, to fill the healthcare “gaps” that the government cannot give to its older citizens.

Crum & Forster’s history dates to 1822 and it has since grown to have $22 billion in revenues and assets, with diversified offerings covering specialty and standard commercial insurance products. These include the United States Fire Insurance Company, Crum & Forster Insurance Company, The North River Insurance Company, First Mercury Insurance Company, and several others. 

United States Fire Insurance, which underwrites Crum & Forster’s Medicare Supplement Insurance plans, is headquartered in Morristown, New Jersey, and has an A. M. Best company rating of A (Excellent). It licensed to operate in all 50 states, plus DC, Puerto Rico, and Virgin Islands. 

In May 2020, the company announced that it has selected Senior Market Sales as its exclusive marketing partner for its roster of Medicare Supplement offerings. U.S. Fire Insurance carriers a complete range of Medigap products, including Plan L, which allows customers to select any healthcare provider in the U.S. while still maintaining low out-of-pocket costs and premium fees. 

U.S. Fire offers almost all policies, but it is especially popular for its competitive Plan G, Plan L, and Plan N premium fees. Plan L offers to cover up to 75% of the medical expenses that Original Medicare does not shoulder (until the maximum out-of-pocket amount is reached), after which it will take care of 100% of the remaining gap. 

While most insurance policies require a medical background check prior to approval, there are certain instances wherein the provider must sell you a policy even if you have health issues. In order to enjoy the guarantee of purchasing the Medigap plan of your choosing, you must meet either of the following:

Purchase during your Open Enrollment Period (OEP) – This is the 6-month, one-time-only period during which you can buy any policy you want that’s available in your area. You cannot be denied or charged more due to past or current health conditions. Your OEP begins on the first day of the month that you turn 65 years old. 

Have a guaranteed issue right – Also known as Medigap Protections, this covers specific situations wherein the insurance provider cannot reject your application or charge your more for any pre-existing condition. You can enjoy the benefits of guaranteed issues rights if:

• You have a Medicare Advantage plan and this plan is about to stop providing services to your area or is leaving Medicare

• You are enrolled in Original Medicare and are part of a group plan courtesy of your employer and this is ending

• You have Original Medicare and a Medicare Select plan and you are moving out of its service area

• You are letting go of a Medicare Advantage plan or drop a Medigap policy because your provider either did not follow the rules or gave misleading information

You can certainly purchase a Medigap plan at any other time. However, the provider will have the right to deny your application or charge you higher than the standard premium fees.