Country Financial Medicare Insurance Review & Complaints: Health Insurance (2024)

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With a long history and a wide array of insurance and financial products, Country Financial has developed solid brand recognition in Illinois and beyond. They offer a full range of personal insurance options, including health insurance like Medicare Supplement plans.

This Country Financial Medicare insurance review will look at the Country Financial Medicare Supplement plans to help you decide what’s best for your needs. We’ll look at coverage, rates, and availability.

Before you buy Country Financial Medicare insurance, make sure you have some other options to compare. Enter your ZIP code now to get free quotes.

About Country Financial

Farmers Mutual Reinsurance Company was founded in 1925; it was created by the Illinois Agricultural Association. As the name implies, the company initially wrote insurance for farmers, a common background for insurance companies. The company eventually came to be known as Country Mutual Insurance, and in 1965 began to expand its product lineup to offer more products to a variety of markets.

Country Mutual expanded beyond Illinois to cover 40 states, and they changed the name to Country Financial in 2008. Thanks to several mergers and acquisitions over the years, they are now a large group of companies with a robust list of products and services across the insurance and financial services spectrum. That includes auto insurance, home insurance, and life insurance as well as retirement planning.

Among those services is Medicare Supplement, which is sold through local agents. Country’s headquarters is located in Bloomington, Illinois.

Country Medicare Supplement Plans

Country Financial offers several of the letter-coded Medicare supplement plans that are the same across most states. They provide this coverage in Illinois, and state that they can assist with obtaining coverage in other states as well, which indicates that they only underwrite for their home state.

Plan A is the base plan offered by all insurance companies and pays for Medicare Part A & B coinsurance amounts as well as the first three pints of blood each year. The highest-end plan is F, which covers all out of pocket expenses and also covers emergency medical abroad. Country offers this plan both with no deductible as well as the high deductible option that is designed to provide more coverage at a lower price in return for a deductible. This provides a known out-of-pocket amount that can be planned for while allowing lower premiums each month.

In addition to these three options, Country Financial also offers Plans C and G, as well as the high-deductible version of D. These plans fall in between A and F in terms of coverage levels. While this is a decent selection of choices, it would be helpful to see a few more options from a company as large as this one.

Country Financial Medicare Insurance Rates

Country Financial does not offer an online quoting option for Medicare Supplement Insurance, nor is there any sort of rate chart, something we frequently see with Supplement insurance companies. This means you can only get Country Financial Medicare Supplement quotes through an agent,

Since Country underwrites Medicare Supplement only in Illinois, their rates are only comparable to other companies offering coverage in the same state.

Country Financial Medicare Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Country Financial Medicare insurance prioritizes a hassle-free claims process for policyholders. With user convenience in mind, the company likely offers multiple channels for filing claims, including online submissions, phone assistance, and mobile app functionality. This variety ensures that policyholders can choose the most convenient method based on their preferences and needs.

Average Claim Processing Time

Country Financial Medicare insurance is dedicated to prompt and efficient service. Policyholders can expect the company to strive for timely processing, although individual processing times may vary based on the nature and complexity of the claims.

Customer Feedback on Claim Resolutions and Payouts

To gauge customer satisfaction regarding claim resolutions and payouts, individuals are encouraged to explore external sources or read reviews from other policyholders. Positive feedback likely indicates the company’s commitment to fair and satisfactory claim resolutions, reassuring potential policyholders of the company’s reliability.

Digital and Technological Features of Country Financial Medicare

Mobile App Features and Functionality

Country Financial Medicare insurance likely offers a range of digital features to enhance customer experience. While specific details are not provided, policyholders can generally expect services such as mobile app functionality for claims management, policy information access, and notifications. Online account management capabilities may include policy updates, billing information, and digital resources to support policyholders.

Online Account Management Capabilities

Country Financial Medicare insurance may offer additional technological tools and resources to assist policyholders. While not specified in the content, these could include online calculators, educational materials, and customer support chatbots, enhancing the overall digital experience for policyholders.

Digital Tools and Resources

In line with industry standards, policyholders can expect secure online transactions when interacting with Country Financial Medicare insurance digitally. The company likely employs encryption technologies and secure payment gateways to safeguard customer data and financial transactions, ensuring a safe and reliable digital environment for policyholders.

Country Financial Medicare Ratings and Consumer Reviews

Country Financial has an A+ rating with the Better Business Bureau (BBB), and there is a total of 38 complaints in the past three years. The complaint volume is low for a company as large as Country and reflects all of their many lines of business. Country Financial is not accredited with the BBB.

There are 62 reviews of Country on Consumer Affairs, and the company has a 1.5-star rating overall. We were unable to find any reviews that relate directly to Medicare Supplement products, and most of the complaints are for auto and home insurance. A few positive reviews are scattered among what are mainly claims issues reviews.

There are 26 reviews on Pissed Consumer with an overall 1.4-star rating. Again, none of these complaints are in regards to Medicare Supplement coverage.

For a company like Country that has a large number of products, it is difficult to relate all of the complaints and comments to any one specific product, particularly a smaller product line. In the case of Country, the overall complaint volume is pretty low, since they are a big company, which is a good sign.

Country Financial Medicare: The Bottom Line

Country offers a handful of Medicare Supplement policies to Illinois residents, however, their rates are not available to get a sense of value. They do have a good reputation, and that goes a long way towards filling the gaps in information about their products. They are worth a look for residents of Illinois and especially those that already use Country for other products.

There may be affordable Country Financial Medicare insurance available to you if you live in Illinois, but you should still shop around. Enter your ZIP code to compare rates today.