American retirement life insurance company provider phone number

American retirement life insurance company provider phone number

Hi, welcome back to the Dynamic Duo with me, Allie Shipman, and my partner, John Shinn. Today, we’re going to talk about some of your options for Medicare supplement carriers. The first one we will talk about is Cigna. Cigna Health and Life (CHLIC) Cigna is a multi-billion dollar company. […]




American retirement life insurance company provider phone number

When researching companies and trying to find the best Medicare supplement, you may have come across the American Retirement Life Insurance Company. Also referred to as ARLIC, they are part of the Cigna family. Before finalizing which Medicare Supplement company you’ll buy from, you’ll want to know several key features and information about them and their products. Let’s find out if the Medigap Plans offered by American Retirement Insurance will be a good fit for your coverage needs.

American Retirement Life Insurance Company Medicare Supplement Review

Cigna purchased the American Retirement Life Insurance Company (ARLIC) back in 2012. Most insurance shoppers have heard of Cigna as they are one of the biggest health insurance companies in the United States. Cigna (ARLIC) is available in 30 states (including Illinois and Indiana).

About American Retirement Life (ARLIC)

Cigna is the parent company of the American Retirement Life Insurance Company (ARLIC).  As a global health service company, Cigna has a history in the health insurance business totaling over 220 years. They are dedicated to helping the people they serve by improving their well being, sense of security and health. Cigna American Retirement Life Insurance Company believes that being true to yourself is the 1st step to being truly healthy.

Company Contact Information

American Retirement Life Insurance claims address

Cigna
PO Box 182223
Chattanooga, TN 37422-7223

Website

American Retirement Life Insurance Company phone number

Medicare Supplement Insurance
1 (866) 459-4272
Monday – Friday, 8:00 am – 8:00 pm, ET

american retirement life insurance company ratings

How does Cigna ARLIC match up against the competition? How are their do the financial rating organizations look at them? A few years ago in 2018, Cigna was ranked 73rd from Fortune 500. Cigna has over 86 million customers worldwide.

Financial Strength

Cigna and ARLIC have received strong financial strength and credit ratings from several rating resources.

American Retirement AM best rating

A.M. Best is often referred to as the gold standard of rating agencies. Cigna ARLIC received the following scores from the top business and financial rating agencies:

  • A.M. Best: A
  • Standard & Poor’s: AA-
  • Moody’s: A1
  • Fitch: A+
  • Better Business Bureau Rating: A+

How Much Do american retirement life Medicare Supplement Insurance Plans Cost?

How Much Do ARLIC Medicare Supplement Insurance Plans Cost? ARLIC Medicare Supplement plans will vary in price depending on factors such as your gender, location, age, tobacco use and sometimes your health. To give you an idea of the costs of the most popular plans F, G, and N we can provide you a custom quote. Get started by clicking on "GET QUOTES" on this page.

american retirement life insurance medicare supplement

Medicare Supplement Insurance (Medigap) is used in conjunction with your Original Medicare insurance. Medigap is designed to fill in some of the coverage gaps that can occur with Original Medicare. The amount of coverage will depend on the plan you buy.

What comes with your American Retirement Life Insurance Medicare Supplement Plan?

  • A 30-day “free look period”
  • Guaranteed renewable health insurance coverage for life
  • Use any physician who accept Medicare. No networks and no referrals are needed in most cases.
  • Coverage anywhere in the U.S. &, with some Medigap plans, for medical emergencies overseas.
  • Initial 12-month rate is locked in

With an ARLIC Medicare Supplement policy you’ll become one of their benefit members. You’ll get access the following additional benefits:

  • Cigna Household Discount is 7%, but that can vary state by state.
  • MyPolicyHQ.com allows you to quickly review your claims, print temporary ID cards, change premium payment options & more!
  • 95% of claims are received electronically and are auto-adjudicated. This results in quick turnaround times for their customers.
  • Cigna Healthy Rewards®. Receive health and wellness discounts.
  • Multiple Rate Classes are available:  Substandard Rate Classes provide an opportunity to issue underwritten Medicare Supplement plans to individuals who may be declined with other carriers.

What are the best Medigap plans?

A Medigap policy provides you the freedom to select any doctor or hospital that accepts Medicare. There are no network restrictions. And, your Medigap plan is guaranteed renewable for your entire life.

The best Medigap plans will be based on your coverage goals. Let’s review the 3 most popular American Retirement Life Insurance Co Medicare supplement plans:

American Retirement Life medicare supplement plan f

American Retirement Life Medigap Plan F is the Cadillac of Medicare Supplement plans. Medicare Plan F will usually have the highest premium, but it does cover everything that Medicare won’t.

As of January 1, 2020, Plans C, F and High Deductible F cannot be sold to those newly eligible for Medicare. Newly eligible is defined as anyone who: (a) attains age 65 on or after January 1, 2020

Medigap Plan F Overview

Medicare Supplement Benefits Plan F Covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used Yes
Medicare Part B coinsurance or copayment Yes
Blood (first 3 pints) 3 Yes
Part A hospice care coinsurance or copayment Yes
Skilled nursing facility care coinsurance Yes
Part A deductible Yes
Part B deductible Yes
Part B excess charges Yes
Foreign travel emergency (up to plan limits) Yes

American Retirement medicare supplement plan g

American Retirement Life Medicare Supplement Plan G is quickly becoming the most popular plan. Medicare Plan G is very similar to Plan F, but it just doesn’t cover your Part B deductible. In other words, your only out of pocket expense every year is the Part B deductible.

ARLIC Plan G can provide you excellent value because it gives you almost the same exact coverage as Plan F, but at a lower premium.

Medigap Plan G Overview

Medicare Supplement Benefits Plan G Covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used Yes
Medicare Part B coinsurance or copayment Yes
Blood (first 3 pints) 3 Yes
Part A hospice care coinsurance or copayment Yes
Skilled nursing facility care coinsurance Yes
Part A deductible Yes
Part B deductible Yes
Part B excess charges Yes
Foreign travel emergency (up to plan limits) Yes

American Retirement Life medicare supplement plan N

American Retirement Life Medicare Supplement Plan N is quickly gaining popularity. Like Plan G, you are responsible for the Part B deductible.

However, you need to understand how Plan N differs from Plan G. One of the biggest differences Plan N and G are with co-pays. With Plan N, you’ll be responsible for a co-pay to see a healthcare provider or physician. The cost of these copays range from $0 – $20. There is also a $50 co-pay for Emergency Room visits that is waived if you’re admitted to the facility.

Medigap Plan N does not cover Medicare Part B excess charges. This means a health care provider may charge a Medicare patient 15% more than what is listed as the Medicare-approved negotiated price for that service.

How to Enroll in a American Retirement Life Medicare Supplement Insurance Plan

Enrolling in a Medicare Supplement Insurance Plan with the American Retirement Insurance Company is very simple. At REMEDIGAP, we’re proud to offer ARLIC as one of the many Medigap companies we use to help our clients.

If you would like help exploring all of your Medicare supplement options, please contact us today. Our services are always free. We can help you review plans from the top Medigap insurance carriers, include ARLIC.

Please take a moment to review our testimonials. REMEDIGAP has receive Excellent ratings from clients and people we’ve helped. We always look forward to helping others and earning trust with this very important health care decision.

Is American Retirement Life Insurance Company part of Cigna?

American Retirement Life Insurance Company was purchased by Cigna in 2012. Cigna is one of the largest health insurance service organizations in the United States and launched their Medicare Supplement product through ARLIC.

What is Cigna provider phone number?

1 (800) 997-1654Cigna / Customer servicenull

Is Loyal American Life Insurance part of Cigna?

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Loyal American Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

Who bought American Health and Life Insurance Company?

American Health and Life Insurance Company is a part of a family of insurance companies under OneMain Solutions, with over 75 years of experience.