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, 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 and 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. Call (614) 402-5160 to find out if they are in your home state.  The 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 continuously for at least one year or have a household resident but not more than 3 other adults. If you live in Ohio or Pennsylvania, the discount is only available if your spouse or other household resident that you have live with 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, will cause you to get the tobacco rate.  The tobacco rates are classified as a “Standard” rate.  Non-tobacco users get “Preferred” rates. If you are applying during your Medicare supplement open enrollment or Guaranteed Issue period, and you live in Kentucky, Iowa, New Mexico, Maryland, North Dakota, North Carolina, Pennsylvania or Ohio, you will get NON-Tobacco rates even if you are tobacco user.

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. If you want to pay monthly, it will total the same amount as if you pay the your premiums one time per year. In order to pay monthly, you must use the electronic bank draft for either a checking or savings account.  They will not bill you monthly, but you can get a paper bill and write a check 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 as long as it’s not more than 10 days from the date of your first payment deduction.

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.

Next, you have to pass a series of questions on the application which serves as 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
  • Been advised to have any further medical testing, evaluations, treatments or therapies that have not been completed
  • Been advised 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, ESRD, Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease), Systemic Lupus, Chronic Hepatitis, Multiple Sclerosis, Myasthenia Gravis, Organ Transplant, Osteoporosis with 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. Second, if you’re also taking medication to control hypertension, you may be eligible if both the hypertension and diabetes are well controlled. This means not more than two oral medications (or insulin plus one oral medication, or insulin alone) plus no more 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 calling (614) 402-5160 or filling out the confidential form on the left side of the page. You can talk directly to a licensed independent agent who can help you apply by filling out a paper application or with an online application. When you apply electronically, you will provide a remote signature.  If you’re not in open enrollment or a guaranteed issue period, you may be contacted by an underwriter to ask you medical questions.  Once everything is complete, our agent will notify you if you have been approved.


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