Heartland National Medicare Insurance Review & Complaints: Medicare Supplement Insurance (2024)

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Living up to its name, Heartland National Medicare Insurance was born in the heartland of America and is the perfect example of a homegrown company that has grown from a small beginning. The senior-focused company provides supplemental policies in 21 states.

Even with senior-focused insurance providers, it’s important to search for the best insurance companies for you so that you get the best value. This Heartland National Medicare review will help you decide if this company is right for you.

Before you buy Heartland National Medicare insurance, compare your options. Enter your ZIP code above to get a FREE insurance quote today.

About Heartland National

Heartland National was founded in 1994 by a former insurance agent who, after a successful career selling insurance for an agency, decided to start his own company. With its original office in the extra bedroom of founder Chris McDaniel’s house, Heartland grew quickly enough to move into a 10,000 square foot facility in 1996.

In 1999 Heartland acquired Successful Sales Systems, adding 6,000 sales associates to the roster. They followed this in 2006 with the acquisition of Dixie National Life, expanding their reach across multiple states in the process. 2008 saw Heartland finalize a deal with Utah-based Equitable Life and Casualty Insurance Company for reinsurance and administration of Heartland policies.

Today Heartland National Life is joined by Heartland Financial Group and Heartland Properties of Missouri under the Heartland Holding Company banner. The group of companies has more than $20 million in annual sales.

Heartland National continues to focus its products on the senior market, offering a focused list of products: Hospital Care, Cancer Care, and Medicare Supplement. In spite of the name, Heartland does not write life insurance policies. The website indicates that they plan to add a longer list of supplemental policies in the near future.

Heartland National Medicare Supplement Insurance

Heartland offers Medicare Supplement insurance plans at several levels, following the standardized letter-coded system that is used in most states. Currently, Supplement plans are the only Medicare plans the company writes.

Of the 11 possible plans, Heartland offers six. These are Plans A, D, F, G, M, and N. This is a fairly good range of plans, particularly for a smaller company; we have seen larger companies that offer only two or three options.

Plan A is the base plan that all Medicare Supplement providers are required to offer. It covers all of the coinsurance amounts for Medicare Parts A & B, and also covers the first three pints of blood annually.

Plan F is the most comprehensive plan available. It covers all of the out of pocket costs not paid for by Medicare as well as 100% of emergency medical costs incurred during foreign travel. This plan is often offered with a high deductible option to bring down the monthly premium, but Heartland does not offer this option.

The remaining plans on Heartland’s list have coverage that ranges somewhere in between these two, offering a good selection of coverage choices to meet various budgets.

Heartland National Medicare Rates

Heartland does not offer rate information for its Supplement policies on their website, therefore we are unable to provide any comparison information to other companies in terms of price.

While in most cases smaller insurance companies tend to have higher rates, that is not always true when it comes to Medicare Supplement. Those interested in a quote are directed to contact a local agent for assistance.

All rates will be subject to Heartland National Medicare Supplement eligibility verification.

Heartland National Medicare Insurance Claims Process

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

Heartland National Medicare Insurance does not provide detailed information about their claims process on their website. However, it is common for Medicare Supplement claims to be paid directly to healthcare providers, with minimal involvement required from policyholders.

For specific information on how to file a claim with Heartland National, it is recommended to contact the company or consult their policy documentation.

Average Claim Processing Time

There is no specific information available regarding the average claim processing time for Heartland National Medicare Insurance on their website. Claim processing times can vary depending on the nature of the claim and the healthcare provider involved. Policyholders are encouraged to reach out to Heartland National for more details on claim processing times.

Customer Feedback on Claim Resolutions and Payouts

While there is limited customer feedback available online for Heartland National Medicare Insurance, the company maintains an A+ rating with the Better Business Bureau (BBB). There has been one complaint closed in the past three years, indicating a generally positive track record.

However, it’s essential for potential policyholders to research and read reviews to gain insights into customer experiences with claim resolutions and payouts.

Digital and Technological Features of Heartland National Medicare Insurance

Mobile App Features and Functionality

Heartland National Medicare Insurance does not provide specific details about a dedicated mobile app on their website. Policyholders looking for mobile app features and functionality should contact the company directly or inquire about any digital tools or resources they may offer for managing policies and claims on mobile devices.

Online Account Management Capabilities

Information regarding online account management capabilities is not readily available on the Heartland National website. Policyholders interested in managing their accounts online should reach out to the company’s customer service or explore their online portal, if available, for information on account management features.

Digital Tools and Resources

Heartland National Medicare Insurance does not provide specific details about digital tools and resources on their website. Policyholders seeking digital tools, resources, or educational materials should contact the company directly or explore their online platform, if available, for access to any relevant digital resources.

What are the Heartland National Medicare Supplement Reviews and Ratings?

Heartland National Life has an A+ rating with the Better Business Bureau (BBB). There has been one complaint closed in the past three years – that complaint was closed in the past year and is new since our last review.

Outside of this one complaint, we were unable to find any customer reviews of this company anywhere else online. This is not uncommon for a smaller company. When it comes to insurance companies no reviews is usually good news – people tend to write reviews when they are unhappy rather than when they have something good to say particularly for insurance companies.

We found nothing to be concerned about in terms of this company’s reputation.

Heartland National Medicare: What’s the Bottom Line?

Without rates, we are unable to make a clear determination as to what kind of value Heartland offers. They are likely to appeal to those that prefer a homegrown company that is not too big but also not so small as to raise financial stability concerns. For those seeking Medicare Supplement coverage with the assistance of an independent insurance agent, they are worth a closer look.

Although an affordable Heartland National Medicare plan might be available to you, shopping around will ensure you get the best rate. Enter your ZIP code now to compare quotes.