American Family Insurance for Seniors in Wisconsin

American Family Insurance provides Medicare supplemental insurance plans for senior citizens in Wisconsin. Medicare supplemental insurance, also called Medigap, is intended to fill in the 'gaps' in the coverage of your Medicare plan. It is not duplicate coverage; rather, Medigap pays for things that Medicare doesn't, such as co-insurance, deductibles, and outpatient care services.

There are several benefits offered by American Family Insurance's Medigap policies. As a customer, you have the ability to choose any hospital or health care provider for your medical needs. AmFam's pricing structure is competitive with other private insurance companies in Wisconsin. Their customer service claims to be fast and friendly, and because they process claims electronically, you receive compensation for medical claims in a timely manner. In addition, you can get an instant quote for your Medicare supplemental insurance policy through their website.

Because supplemental health insurance companies in Wisconsin set their own monthly premiums, plans vary in price from insurer to insurer. Knowing how your insurer determines the price of your Medigap plan is important for understanding how much your plan will cost now and in the future. There are three types of pricing structures for Medigap health insurance for seniors: 1) issue-age rated, 2) community rated, and 3) attained-age rated.

American Family Insurance uses the attained-age rated pricing method to set prices for its Medigap policies. This means that your Medigap premium is based on your age, and increases as you get older. Attained-age rated insurance policies for seniors may cost less when you're younger, but may end up costing the most as you become significantly older. Your premium may also be adjusted for inflation or other factors.

Generally, in order to be eligible for AmFam Insurance's Medigap policies, you must already be enrolled in Medicare Parts A and B when you apply. You must also be a resident of Wisconsin and a senior aged 65 or better, although there may be exceptions for those with certain disabilities or end-stage renal disease. You'll also need to meet AmFam Insurance's minimum underwriting requirements for their Medicare supplemental insurance policies, unless you apply during your 'open enrollment period', which is the first six months after you are both age 65 AND enrolled in Medicare Part B.