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National General Insurance : Medicare Supplement Reviews 

Written By: Jackson Edwards

National General Insurance offers a highly diversified range of insurance products that provide adequate coverage based on the needs of a large percentage of customers. It is expanding its territory and offering some of the lowest Medicare supplement premiums in the market. Since they are new to the scene in many states, they have no choice but to offer the lowest rates to attract a large enough enrollment to adopt some market share in the Medicare supplement space. In 2021 Allstate Corporation acquired National General and that is what has caused this planned massive expansion.  Recently announced in 2022, Allstate announced they want to rebrand National General by transitioning to “Allstate Health Solutions.” How will this acquisition affect the Medicare insurance space? They are currently only offering Medicare supplement plans, and no Medicare Advantage plans. They are already offering some of the lowest Plan G and N prices in the country. Is it worth taking a flyer on? All Medicare supplement plans are the same coverage, so if you are on a fixed income and need to lower your Plan G premium amount, we see this as worth taking a flyer on.

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The following review of National General Insurance aids your need for knowing in detail about the various life insurance, Medicare supplement, health insurance, and other policies offered by the company.

National General Insurance: Auto and Health Insurance

The company was established in 1920 in Winston-Salem, North Carolina. It was formerly called GMAC Insurance Group, which was later changed to National General Insurance. 

National General, also called NatGen, was initially launched as an Auto Insurance Company. Today the company sells a bunch of special insurance policies. It includes:

  • Health Insurance
  • Benefits Solutions 
  • Home Insurance
  • Small Business Auto Insurance 
  • National General Accident

The company is functional in all 50 states and Washington DC, meaning you can buy a policy irrespective of location. Plus, you can purchase the policy through both online and individual agents.

National General distinguished itself from other companies in the market by providing perks like – guaranteed auto repairs at one of its Gold Medal Repair Shops in case your car is damaged in an accident. National General also offers SR-22 filings for drivers if needed.

The company also provides specialized policies for first-time DUI offenders, provided they have successfully completed safe driving and substance abuse therapy programs.

It is really a unique insurance policy feature. Isn’t it?

More to add to the amazing insurance products and services, National General has no eligibility requirements.

Allstate acquired the company in July 2020, and the company is still conquering new milestones in the insurance industry with its fabulous customer-centric insurance policies.

Contact here to get free quotes for different policies offered by National General.

 

National General Medicare Supplemental Plans

The company is a renowned provider of Medicare Supplement Plans that cover more than just the basic offerings provided by other companies across the country.

Medical Supplements of NatGen involve simple underwriting that makes sure the policy buyers get the best rate.

A review of the history of National General explains that the company has a great track record of delivering excellent services to its clients by ensuring they get maximum advantage from a particular plan. 

National General’s different Medicare Supplement type Insurance Plans cover the gap of expenses which is not included in Original Coverage. Medicare Parts A and B usually cover about 80% of medical expenses, leaving 20% uncovered, which could range from $1,000 to $30,000.

With Medicare Plans, also known as Medigap Plans of National General Insurance, you can get coverage for such unexpected costs.

More Reasons to Choose NatGen’s Medigap Plans

  • Easy E-Application
  • Great Customer Service 
  • Foreign Travel Insurance 
  • Fast Claims Process

 

National General Health Medicare Plans

National General offers multiple Medicare Supplement Plans like Plan A, F, G, and N.

National General Health Medicare Plans

 

National General Medigap Plan A

It is the most common Medigap Plan among the healthcare plans offered by National General Insurance. Though it covers only a few benefits, it is beneficial for saving money over a longer period. 

Benefits of Medicare Supplement Plan A: 

  • 100% of Hospital Care Coinsurance Covered
  • First 3 Pints of Blood
  • Hospice Care
  • Part B Copayment

If you consider yourself healthy and do not feel much need for medical attention, the Medicare supplement will be the best cost-saver plan for you.

National General Medigap Plan F

One of the most popular Medigap Plans, the Medigap Plan F by the National General, covers a maximum portion of what is not covered under Original Medicare.

Benefits of Medicare Supplement Plan F: 

  • Part B Excess Charges
  • Part A Deductible
  • Skilled Nursing Facility
  • Foreign Travel Emergency 
  • Hospice Care 

It can be easily said that the plan is your Go to option if you’re looking for a Medicare Supplement Plan.

National General Medigap Plan G

Plan G of National General Insurance Company is available for those who qualify for Original Medicare. In contrast with Plan F, Plan G Medicare Supplement has to be paid out of pocket.

If you are in search of a more balanced plan but couldn’t qualify for Plan F, the Medicare supplement Plan G should be your preferred choice.

Benefits of Medicare Supplement Plan G along with the Basic Benefits: 

  • Part A Deductible
  • Preventative Care
  • Skilled Nursing
  • Foreign Emergency Medical Care

National General Medigap Plan N

The National General Medicare Supplement Plan N is one of the most affordable plans offered by the company. The Plan covers all the Medicare Part B coinsurance costs, but you need to pay $20 copays for hospital visits and $50 for emergency room visits.

Key Benefits of Medicare Supplement Plan N:

  • Preventative Care
  • Part A Deductibles
  • Hospice Care

Advantages of National General Supplemental Plans

There are many advantages to choosing NatGen’s Medicare Supplement Plans. The following are the most general Medicare supplement inclusions under all the plans provided by National General.

Medicare Part A Deductible Cost

The Medicare Part A deductible costs can go over $1,484 putting a lot of burden on your financial health. The supplemental plans of NatGen save you from this misery.

Hospital Stays

The Medicare Supplement Insurance of National General covers your hospital costs up to a year after your Medicare benefits are over.

3 Pints of Blood

The Medicare Plans of National General include 3 pints of blood that saves you from the high costs of transfusion in case ever required in some unfortunate situations. 

Skilled Nursing Care

It is another great benefit you can get through National General Supplemental Insurance. Usually, the plans cover this benefit at 100% but this may vary. Therefore you must consult with your agent regarding this subject.

Medicare Part B Deductible and Coinsurance: 

Many of the National General’s Medicare supplemental plans offer some coverage for Part B deductible but may vary with different plans.

National General Health Insurance

NatGen offers short-term insurance plans, including basic healthcare needs but some of the essential benefits as mentioned under the Affordable Care Act(ACA)

The company offers amazing member benefits, has good reviews from customers, and is known to provide an excellent customer experience with only a few complaints in its history. Also to mention, National General’s short-term health insurance policies are better compared to the competitors. 

Apart from short-term health insurance, other health insurance products offered by National General Accident and Health Insurance include supplemental insurance plans, as mentioned earlier in our review, and dental insurance.

You can get quotes or buy these plans from the online portal of the company, where you can access other features like customer login, view policy details, track your deductibles, or cancel your health insurance.

The different policies of NatGen are useful in situations when:

  • Missing Open Enrollment
  • You have left your job and are waiting for your new job to begin 
  • Looking for cost-effective options
  • A student leaving your parents’ coverage

 

National General Short-Term Health Care Plans

The insurance policies of NatGen are short-term plans that cover a restricted amount of healthcare services. These are different from Obamacare plans that are sold during open enrollment.

Rather you can buy the short-term plans though they don’t have the same level of coverage. 

The basic coverage provided by these plans are: 

  • Doctor Visits
  • Preventive Care
  • Hospital Care
  • Ambulance Coverage
  • Surgery

Coverage for prescription medications, normal pregnancy, and pre-existing conditions is not included in the short-term plans. Hence, these policies are good for you if you’re healthy and want to buy a plan for temporary coverage.

National General offers two different short-term health insurance plans: 

Standard Issue Plan

Standard Issue plans are the most basic health insurance policies the National General provides. You have to fill out a health questionnaire to get the Standard Issue Plan Coverage.

Different tiers of this plan with other information are mentioned in the table below.

National General Standard Issue Plan

Standard Issue short-term medical plans of National General Health Insurance have a maximum coverage amount. It sets a limit to how much the benefits the insurer will provide.

 

Guaranteed Issue Plan

In case you don’t qualify for the Standard Issue Plan for some health complications, you can purchase short-term medical coverage with the Guaranteed Issue Plan. National General provides two types of Guaranteed Issue Plans 

National General Guaranteed Issue Plan

Call now to get quotes for NatGen’s health insurance plans.

Note: Both short-term plans have coverage duration between 30 days to 12 months.

 

National General Dental Insurance

This special Dental Insurance provided through National General provides coverage for preventive care like dental examinations, cleanings, surgeries, X-rays, etc. The company provides three different benefit plans:

Preventive Care

Evaluations, examinations, cleanings, and bitewing and full-mouth X-rays.

Basic Care

Amalgam and resin-based composite fillings, simple extractions, emergency treatment of dental pain, consultations, and denture adjustments and repairs.

Major

Deep sedation/general anesthesia for major services, crown services, oral surgery, composite fillings, periodontics, endodontics, and dentures.

National General dental insurance

You can also add optional vision coverage that offers many benefits to the policyholders.

 

National General Plan for Vision Coverage

NatGen offers two plans you can choose from according to your requirements. The features of both plans are as follows: 

National General Vision coverage

  • The plans pay for your annual eye exams, frames, and lenses or contacts.
  • You get access to the Avēsis Vision network, with 98,000 access points for care.
  • You get the best value when you use in-network providers.

To get an insurance quote over call, contact our experts.

 

National General Auto Insurance Coverage

Considering the coverage benefits National General Car Insurance offers, it can be termed a good option.

Along with the standard minimum coverage and full coverage policies, National General offers add-ons too for extra safety like roadside assistance, accidental death and dismemberment coverage, and an auto protection plan.

If you want more, National General also offers a permanent guarantee for car repairs after an accident if you take your care to the company’s Gold Medial Repair Shops.

Car Insurance from National General includes basic coverage plus the following benefits:

National General offers basic car insurance as well as these additional benefits:

  • SR-22 availability. Several states require an SR-22 form to confirm that a driver has insurance after a case of DUI or other serious violation. Florida and Virginia drivers may need an FR-44 form which is similar to SR-22, to prove that they have more than the state’s minimum required car insurance.
  • Customer satisfaction guarantee. If you’re in Washington, National General will waive up to $250 of your deductible if you’re unsatisfied with the company’s claim service.
  • Emergency expense allowance. National General auto insurance also covers food, lodging, and travel expenses up to a daily limit.
  • Valet. Having Car Insurance from National General allows you to exercise benefits like getting your car picked up after an accident and receiving a rental car once you submit the claims. Your car will be delivered to you after all the repairs, and the National General will return the rental car. (Having rental reimbursement coverage is mandatory to use this service)

More About NatGen Car Insurance

You can use the company’s website to get quotes, file claims, or pay bills online.

The learning center on the website can be accessed to find out more about topics like common insurance terms, coverage options, what affects the rate of your policies, etc. There is no mobile app for the company to manage your insurance.

National General Insurance – Final Review

National General Insurance offers a variety of products and also has good customer reviews that make it a great choice to buy different policies short-term health, supplemental and dental insurance. 

The company has a simplified online portal that you can access to get free quotes or manage your active policies.

Life insurance plans are missing from the list of services provided by the company. But overall, the company has a positive image in terms of other insurance products. Reread this National General Health Review to better understand the company’s insurance services.

Want more information about different plans of NatGen or want to report an issue? Call NatGen’s customer support or check the company’s website.

Prefer to speak to us directly? Give us a call at 1-888-559-0103

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