Atlantic Coast Life Medicare Supplement Review

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Who Is Atlantic Coast LIfe?

Atlantic Coast Life Insurance Company began in 1925 in Charleston, South Carolina, where their headquarters remain today. They have expanded to service the entire nation as they strongly do now. In the mid-90s, their Home Service Distribution peaked with hundreds of employees working across the nation in dozens of District Offices. Atlantic Coast Life has over $450 million in assets helping families nationwide.

They offer a variety of products and services, including life insurance, Medicare supplements, pre-need services, and fixed annuities for both individuals and families. They also service funeral homes across the country. The AM Best Company has rated Atlantic Coast Life as B++ for its financial stability and strength.

Medicare Supplement (also known as Medigap) standard plans A, C, G, and N are available in most states. Currently, these plans are available in AL, AR, CO, GA, IL, IA, KY, LA, MD, MS, NE, NJ, NC, OK, SC, TX, UT, WV, and WY.  Plans will also be offered in Florida and Arizona beginning March 15, 2021.  Pennsylvania residents have the choice of Plan B in addition to Plans A, C, G, and N. Tennessee residents are offered Plans A, C, and N. Plan G is available only if the beneficiary is eligible for Medicare January 1, 2020 or later.

Applying for Atlantic Coast Life Medicare Supplement

Atlantic Coast Life has an electronic application online which offers tools including a telephone signature and e-signature option. Depending on how you choose to sign the application, you will either need a form of identification (Driver’s License, Passport, State Issue ID, or Resident Alien ID) or your Social Security Number (SSN). You can also access the status of your application online. The application is not available on mobile devices, but it is available on PCs, laptops, or tablet devices with the assistance of an agent. As with most Medicare Supplements, Atlantic Life Coast offers both tobacco and non-tobacco rates.

Our agents can help make the Atlantic Coast Life Medicare Supplement application process simple and easy while making sure you get the best coverage possible; just call (614) 402-5160 request a cusomized quote.

Guaranteed Issue Coverage

Guaranteed Issue coverage is generally preferred because you do not need to answer questions related to health and prescription medication. If you plan to apply for Atlantic Coast Life Medicare Supplement Guaranteed Issue coverage, you need to submit proof of eligibility along with your electronic application that shows you are in one of the following situations:
⦁ You have original Medicare, and your employer or union pays after Medicare pays. Your employer or union is ending their coverage of you.
⦁ Moved out of your Medicare SELECT plan’s service area.
Medigap insurance coverage ends through no fault of your own, such as the insurance company going bankrupt.
⦁ Lost your qualification for Medicaid.

Please note: these situations have varying degrees of specifications based on the beneficiary’s state of residence. Plans C, F and High Deductible F are no longer available if your Medicare Part A began after January 1, 2020.  Please call (614) 402-5160 or fill out the form to the left to see if you qualify for Atlantic Coast Life’s Medicare Supplement Guaranteed Issue coverage based on your unique situation.

12% Household Discount in Most States with Atlantic Coast Life

Atlantic Coast Life Medicare Supplement policy offers a Household Premium Discount if the beneficiary has one, two, or three other household residents of at least age 50. The beneficiary must have lived continuously with this resident for the past 12 months, or they must be married to them or be in a civil union partnership with them. Oklahoma does not offer this discount, and some states have more specific qualifications, so please call to find out if you qualify for this discount.

What You Need To Know About Certain Health Conditions

As is the case with most Medicare Supplement insurance providers, Atlantic Coast Life has the general policy of denying coverage if any of the health-related questions are answered “Yes.” Of course, there are exceptions to this rule. For example, if the applicant has been taking prescription medications or receiving medical treatment for long-standing and controlled health condition, they may be offered coverage. A “controlled” health condition means there have been no changes in medication or treatment for a minimum of two years.

If you apply for one of these plans and are outside Atlantic Coast Life’s height and weight guidelines, you will automatically be declined.

Prescription Medicine

This is not an all-inclusive list. Some conditions may be evaluated on a case-by-case basis if they are long-standing and well-controlled.
⦁ Internal cancers, including malignant melanoma treated or diagnosed in the last 2 years
⦁ Alzheimer’s Disease
⦁ Any cardio-pulmonary disorder that requires oxygen
⦁ Cirrhosis
⦁ Hepatitis – including B, C, D, Autoimmune, Active, and Steatohepatitis
⦁ Other chronic pulmonary disorders – including asbestosis, bronchiectasis, chronic asthma, chronic bronchitis, chronic cardiopulmonary disease, chronic interstitial lung disease, chronic obstructive lung disease (COLD), chronic pulmonary fibrosis, cystic fibrosis, pulmonary hypertension, and sarcoidosis
⦁ Chronic Kidney/Renal Disease – including chronic nephritis, chronic glomerulonephritis, chronic protein loss in urine (proteinuria) requiring 4 or more physician visits per year, kidney/renal failure, end-stage renal disease (ESRD), kidney disease requiring dialysis.  This includes a kidney disorder that the applicant is either being evaluated for or is currently on dialysis. This does NOT include kidney stones.
⦁ Cognitive Disorders – including cerebrovascular disease with cognitive deficits, dissociative amnesia, Huntington’s disease, and post-concussion syndrome with residual deficits
⦁ Diabetes – insulin intake is greater than 50 units per day, has a history of high blood pressure and taking more than two medications for diabetes, and with complications, kidney disease, heart or vascular disease, TIA, or stroke.
⦁ Dementia – includes delirium, organic brain disorders, and mild cognitive impairment
⦁ Emphysema
⦁ Lateral Sclerosis (ALS)
⦁ Lupus – Systemic
⦁ Multiple Sclerosis
⦁ Myasthenia Gravis
⦁ Organ transplant recipients
⦁ Osteoporosis with a related bone fracture
⦁ Parkinson’s Disease
⦁ Rheumatoid arthritis – treated with injectable medication, more than 25 mg Methotrexate per week, or Methotrexate and Prednisone
⦁ Scleroderma

It will be more difficult to obtain coverage if any of the following apply to you:

Use of oxygen
⦁ A nebulizer
⦁ Implantable cardiac defibrillator
⦁ Asthma requiring use of 3+ medications including inhalers
⦁ Medications that must be administered in a doctor’s office, such as certain injections
⦁ Advised to have surgery, medical tests, treatment, or therapy that has not already been completed

If you don’t think you will qualify for Atlantic Coast Life, we can help you find another company for you.  Call (614) 402-5160 for more details.

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