Standard Life and Accident Insurance Company, a division of the American National Life Insurance of Texas, has exclusively focused on serving the insurance needs of seniors for more than 50 years, and today is recognized as one of the country’s premier insurers in the senior market.  With a history of a strong commitment to integrity, Standard Life has built a company on quality service and developed our business to provide seniors with realistic products that solve their special needs for financial security.

You can run Instant Quotes to compare plans in your area and view plan brochures and applications.  The chart below shows the benefits included in each of the ten standard Medicare Supplement (Medigap) plans.

Features A B C D F G K L M N  Part A Hospital Coinsurance  Lifetime Reserve Days  365 More Hospital Days  Parts A and B Blood 50% 75%  Part B Coinsurance 50% 75%  Part A Hospice Coinsurance 50% 75%  Skilled Nursing Coinsurance - - 50% 75%  Part A Deductible $1,100 in 2010 -- 50% 75% 50%  Part B Deductible $155 in 2010 (except for $20 copay for office visits and a $50 copay for Emergency Room visits) -- - - - - - - -  Part B Excess -- -- - - - - - -  Foreign Travel Emergency -- -- -  Out of Pocket Limits - - - - - -  $4,620  $2,310 - -

Plan F also has high deductible options, which some companies may offer.  These high deductible plans pay the same benefits as Plan F and J after one has paid a calendar year $2000 deductible.  Benefits from high deductible Plans F will not begin until out-of-pocket expenses exceed $2000.

Plans K through N provide for different cost-sharing for items and services than Plans A through G.  With Plans K and L, once you reach your annual "out-of-pocket limit," the plan will then pay 100% of the Medicare co-payment, co-insurance and deductibles for the rest of the calendar year.  The out-of-pocket limit does not include charges for any provider that exceeds Medicare-approved amounts, known as "excess charges."  The annual out-f-pocket limits for these plans in 2010 are $4620 for Plan K, and $2310 for Plan L.

Deductible - Part A $1132 (appears twice in the benefit grid); Part B $162

With Plan M you pay 50% of your Part A Deductible ($1132 per benefit period), as well as the entire Part B deductible ($162 in 2011). Plan N pays all of your Part A Deductible, and you pay the entire Part B deductible ($162 in 2011) plus a $20 copayment for office visits and a $50 copayment for Emergency Room visits.

After the Medicare Supplement plan is mailed or delivered, you have a 30-day free look to examine the plan and to decide if you want to keep it.  If you return the plan within 30 days, all of your money will be refunded.

Note:  Not all plans are available in all states.  Run an instant quote to see plans in your area, or contact us for your available options.

How to Apply for Standard Life Medigap Plans

Once you decide on a plan, contact us and we will email you an application.  Then simply complete the application and fax it to us toll-free at 866-284-0082.  Mail the original copy of your application*, along with a check for the first month's premium to:

MediGap Advisors
Application Processing Department
194 Treasure Lake
DuBois, PA 15801

* If paying via bank draft, you do not need to mail your application

Before submitting your application, be sure that you:

1. Include the National Consumer's Advantage Association (NCAA) membership form if you are already a member, (Dues are charged, in addition to your Medicare Supplement premium.  The cost of membership dues can vary by state, please refer to the application for your state for the exact amount you will be charged).
   
2. Complete all forms in full and sign them.
   
3. Make sure to use the correct application for your state.
   
4. If you are not applying during an open enrollment period, be sure to answer all health questions.
   
5. Include a check, money order or cashiers check in the amount of the premium for the mode selected, plus a one-time $20 application fee, made out to Standard Life Insurance.  (Some states do not have an application fee so please refer to your application or give us a call to find out).
   
6. The bank draft authorization, if premiums are to be drafted, is submitted along with your application.

If you have any questions or need assistance, call 866-323-1441 and we'll give you a quick answer or assign someone on our team to be your own personal MediGap Advisors.

About Standard Life and Accident Insurance Company

American National was founded in 1905 by Galveston businessman William Lewis Moody, Jr.  Today the company offers a wide array of insurance products and services including life insurance, annuities, health insurance, property and casualty insurance, credit insurance, and pension plan services.  American National was listed in Forbes Magazine in its "100 Most Trustworthy Companies" list for 2009.

Standard Life Insurance and Accident Insurance is rated A by both A.M. Best and Standard & Poor, independent insurance rating organizations:

A.M. Best Rating: A (Excellent)

The A.M. Best Company, one of the nation's leading independent insurance rating companies, awards Standard Life its rating of A (Excellent), third highest of 16 rating categories.  Best's ratings are assigned after an extensive analysis using a series of profitability, leverage and liquidity tests, which measure performance in such vital areas as competency of underwriting, control of expenses, adequacy of reserves, soundness of investments and capital sufficiency.

Standard & Poor's Rating: A (Strong)

Standard & Poor's has assigned a rating of A (Strong) to Standard Life, the sixth highest of twenty active financial strength ratings.  The rating of Standard Life reflects the company's extremely strong capitalization, strong financial flexibility and liquidity, and very strong earnings performance, supported by underwriting earnings and investment earnings on its capital base.

MediGap Advisors is an independent Standard Life Insurance and Accident Insurance producer.