INA Medicare Supplement Review

Who Is INA?

Chubb Company is the parent company of  INA, or Insurance Company of North America.  INA has replaced ACE as the company that Chubb currently offers for its Medicare Supplement. You can’t buy a new ACE Supplement anymore, except in a few states.  Those states will eventually also be phased out of new ACE sales and replaced with an INA offering.  Anyone who already owns an ACE Medicare Supplement can keep their policy as long as they continue to pay their premium.

Chubb has over $225 billion in assets and is considered one of the highest-rated Medicare Supplement companies in the insurance industry. They earned an AA from Standard & Poor’s and an A++ from AM Best.

What Types of Plans Does INA Offer For People With Medicare?

INA Medicare Supplements

Chubb Medicare Supplement Plans offered by Insurance Company of North America provide competitive pricing and exceptional customer service.  Those features, combined with the strength of their A.M. Best rating of A++, make them an attractive company when you’re shopping for a Medicare Supplement.

INA Medigap plans to provide unbeatable coverage for hospitalization, outpatient care, and preventive care.  You won’t need to sacrifice great coverage for low cost.  They offer plans A, F, G, High Deductible G, and N.

The pricing method INA uses to determine the type of rate structure will depend on your state of residence.  If you’re a snowbird or have more than one residence in different areas of the country, your premiums are usually based on the area you spend more time in.

INA doesn’t offer Medicare Advantage plans or Medicare Part D prescription drug plans

What Medicare Supplement Plans Does INA offer?

INA FAQs

What Discounts Does INA Offer?

INA Medicare plans offer a household discount for members of the same household. The household discount provided is 7%.

Does INA charge an application or one-time policy fee?

Yes, however, they charge the same total amount per year when paying monthly rather than annually.

When did INA start providing Medicare Supplements?

They started offering Medigap plans in August of 2025 in many states across the country.

Does INA offer any discounts?

They offer a discount for living with a spouse, another adult who is age 50 or older or if a shared household resident also has an INA policy.  It depends on your resident state.

Who Qualifies for an INA Medigap Plan?

If you’re not in a guaranteed issue special election period, or your Medicare Part B Open Enrollment, you will need to be within the height and weight guidelines below to be accepted for a Medicare Supplement policy.

Height and Weight Chart

You Need To Answer Health Questions if you’re not applying during an open enrollment or guarantee issue period.

You don’t need to answer the health questions if the applicant is applying during an open enrollment or a guaranteed issue period. To be considered eligible for coverage, the first section of the application, which includes health questions that indicate when the applicant is not eligible for coverage, must be answered “No”.   If you answer “Yes” to the subsequent section of health questions, you may be eligible for coverage, but an underwriter must evaluate the information you provide.

Telephone Interviews

Telephone interviews may be conducted at the discretion of the Underwriter.  Telephone interview health information is only collected for underwritten policies.  If you’re in a guaranteed issue special election period or your Medicare Part B open enrollment, you won’t be asked any health questions, but you may need to provide information concerning the guaranteed issue qualification and to determine your premium.

Provide Medications Information

Suppose you’re taking any prescription or over-the-counter or prescription medications recommended by a physician. In that case, you’ll need to list each medication, when it was first prescribed, the date the prescription was last filled, the dosage and frequency, and the reason or condition for which you’re taking the medication.

Possible Medications and Health Condition Declines