Heartland National Medicare Supplement Review

Fill out the Customized Quote form or call (614) 402-5160 to get personalized Medicare supplement quotes for Heartland National Medicare Supplement

Heartland National Life was established by Chris McDaniel 1994.  Mr. Mc Daniel is an insurance agent who began his career selling insurance the old fashioned way of knocking on doors. Two years after he started the company in Lee’s Summit Missouri, the company employed over 50 sales associates. Three years later, it acquired another brokerage and jumped to over 6,000 associates.

By 2008 Heartland formed the Heartland Holding Company which encompasses Heartland Financial Group,  Properties of Missouri and Heartland National Life Insurance Company.  The Heartland National Medicare supplement policies are one of the best Medicare Supplements.  It’s currently sold in Ohio, Pennsylvania, West Virginia, North Carolina, South Carolina, Iowa, North Dakota, South Dakota, Delaware, Maryland, New Mexico, Illinois, Colorado, Arizona, Arkansas, Missouri, Utah,  Montana and continue to add more.  Insurance products sold by Heartland National Life are Re-insured by the longstanding Equitable Life and Casualty of Salt Lake City, Utah.

Household Discount and Non-Tobacco Rates

Heartland offers a 7% discount for anyone applying who lives with a spouse or partner in a civil union.  Applicants who lived with another adult for the last 12 months will qualify for the discount. For residents of Ohio or Pennsylvania, the discount is only available if you live with another person who also has a policy with Heartland National Life.  Residents of North Dakota can take advantage of the discount if they live with any other adult family member who also has a policy with Heartland National Life.

If your’re a tobacco user, including any use of any form of tobacco in the last 12 months, you are considered a tobacco user. The tobacco rates are classified as a “Standard” rate.  “Preferred” rates are for Non-Tobacco users.  You will get Non-Tobacco rates if you’re applying during your Medicare supplement open enrollment or Guaranteed Issue period in several states. These states are in Kentucky, Iowa, New Mexico, Maryland, North Dakota, North Carolina, Pennsylvania or Ohio.

Payment Options for Heartland National Medicare Supplement

Heartland National Life will allow you to apply for coverage up to 6 months before your requested effective date if your in the Medicare supplement open enrollment. Applying as early as possible can save you money. If you have a birthday, after you applied for coverage, that would cause the rate to be higher,  you keep the lower rate.

Heartland won’t charge you more if choose to pay your premiums more than once a year. Paying monthly will costs the same as paying one time a year.  In order to pay monthly, you must use the electronic bank draft for either a checking or savings account.  If you prefer writing checks, they will send you a bill quarterly, semi-annually or annually.

You can choose to have your premiums deducted any day between the 1st and 28th of each month. You can even have your coverage start before the bank draft begins.  If your plan starts 10 days from the date of your first payment deduction, they will cover you as soon as your approved.

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Medically Qualifying for the Heartland National Life Medicare Supplement

Height weight matters when you aren’t in an open enrollment or guaranteed issue period. The Heartland National Supplement is one of the most lenient in the industry. Check your height and weight on the right to see if your measurements are within range.

You will need to pass a series of questions on the application.  This is the basis for determining your eligibility.  As with most other Medicare supplements, any “yes” answer will typically cause your application to be declined. Below are some conditions that cause an automatic decline:

  • The use of oxygen, a nebulizer, or asthma with three or medications or inhalers
  • Receiving any medications administered in a physician’s office
  • Cardiac defibrillator
  • Advised to have any further medical testing, evaluations, treatments or therapies that have not been completed
  • Waiting to have a surgery that has not been completed
  • AIDS or ARC
  • Alzheimer’s or senile dementia, organic brain disorder
  • Huntington’s disease and other brain disorders
  • Cirrhosis, Kidney disease with dialysis, chronic kidney disease or ESRD
  • Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease), Systemic Lupus, Chronic Hepatitis, Multiple Sclerosis, Myasthenia Gravis or an organ transplant
  • Osteoporosis with a history of fractures
  • Parkinson’s
  • Pulmonary Hypertension

In addition to the questions, they will also consider your medications.  Medications are considered treatment, but some conditions can be acceptable if the condition is controlled. Controlled means there have been no changes in medications for the last two years.

Underwriting for Diabetes

Diabetes is one of the most common medical conditions Medicare supplement applicants have difficulty working around. Heartland National Life may accept diabetes under certain conditions. First, if your taking insulin, the total amount per day you have ever used must be under 50 units.  If you’re also taking medication to control hypertension, you may be eligible it’s under control. This means less than three medications including insulin plus one oral medication.  If you’re also treated for high blood pressure, then less than 2 medications for high blood pressure under 150/85.  Third, you can have no changes in your blood pressure or diabetic medications for at least 2 years. If you meet these conditions, you may be accepted even with diabetes.

You can apply for a Heartland National Medicare Supplement by filling out the confidential form.  If you want intant quotes, please call (614) 402-5160. You can talk directly to a licensed independent agent who can help you apply on line or fill out a paper application. When you apply electronically, you will provide a remote signature.  If you’re not in open enrollment or a guaranteed period, an underwriter may call you and ask you medical questions.  Once everything is complete, our agent will notify you if you have been approved.

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