State Mutual Insurance Medicare Review & Complaints: Health Insurance (2024)

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Georgia-based State Mutual Insurance was created in the 1930s to boost the local economy. The company today focuses on supplemental health insurance products for the senior market.

This State Mutual Insurance Medicare review will cover the plans that are available as well as how to get State Mutual Insurance Medicare quotes.

Before you decide to buy State Mutual Insurance Medicare coverage, make sure you have compared your options. Enter your ZIP code today to get free Medicare quotes.

About State Mutual

In 1937 the Georgia State Legislature licensed 113 insurance agents in an effort to create jobs and improve the economy in the city of Rome. Out of these efforts State Mutual Insurance was born; originally the company chartered in Florida as a result of Georgia’s lack of legal provisions for mutual companies, and later they re-chartered in their home state.

State Mutual was successful and grew steadily, acquiring several other companies in the 1980s. By the 1990s the company had shifted its focus to the senior supplemental insurance market, offering life insurance as well as Medicare Supplement plans.

Today State Mutual is licensed in 44 states as well as the District of Columbia. Their primary products are disease-specific indemnity coverage and Medicare Supplement. They partner with Platinum Supplemental Insurance to market their products across the country.

State Mutual Insurance Medicare Supplement Plans

As noted above, State Mutual Insurance Medicare Supplement is sold through a partnership with Platinum Supplemental Insurance. The State Mutual website will redirect to the Platinum website for plan information. Platinum is the marketer, while State Mutual is the underwriter.

Platinum lists these five states for Medicare Supplement plan availability, interestingly State Mutual’s home state of Georgia is not among them:

• Illinois
• Iowa
• Kansas
• Oklahoma
• Wisconsin

Plan availability differs by state, particularly Wisconsin, which doesn’t use the standard letter-coded system used by most states.

Since all Medicare Supplement providers selling in the states that use the letter coded system, (which is most states) are required to sell Plan A, we can assume this plan is offered by State Mutual in the states using that system. Beyond that, availability will depend on the state.

The Platinum site provides PDF brochures for state-related details on Medicare Supplement plans, and for Illinois these plans are listed in the brochure: A, F, G, and N, along with high-deductible Plan F.

State Mutual Insurance Medicare Rates

Not surprisingly we were unable to find any rate information for State Mutual’s products. Rates usually vary from state to state. We assume they can be obtained by sending in a contact request form or calling the company directly, but there is no mention anywhere on the site of how to get a rate quote, nor do they explain how to contact an agent or representative.

State Mutual Insurance: Simplifying Claims Processing for Peace of Mind

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

State Mutual Insurance Medicare’s claims process appears to be handled through Platinum Supplemental Insurance. While the article does not provide specific details about the ease of filing a claim, it mentions the presence of a “Make a Claim” button on the Platinum website.

Customers can access claims contact information, including phone numbers, addresses, and an email address. However, the article does not elaborate on whether online or mobile app options are available for claims filing.

Average Claim Processing Time

The article does not provide information about the average claim processing time for State Mutual Insurance Medicare plans. Therefore, customers interested in the company’s claims processing efficiency may need to contact State Mutual Insurance directly or visit the Platinum Supplemental Insurance website for more details.

Customer Feedback on Claim Resolutions and Payouts

The article briefly mentions the Better Business Bureau (BBB) rating of State Mutual Insurance, which is D- with two complaints on file in the past three years. It notes that the company did not respond to either complaint, resulting in a low score.

In contrast, Platinum Supplemental Insurance, the marketer of State Mutual Insurance Medicare plans, has a BBB rating of A+. However, the article does not provide specific customer feedback regarding claim resolutions and payouts. Customers seeking more detailed feedback may want to explore other sources or conduct further research.

State Mutual Insurance: Embracing the Future With Advanced Digital and Technological Features

Mobile App Features and Functionality

The article does not provide detailed information about the mobile app features and functionality offered by State Mutual Insurance Medicare.

To assess the digital capabilities of the company, potential customers may need to visit the State Mutual Insurance website or inquire directly with the company to learn about any mobile app offerings, such as account management, claims tracking, or policy information access.

Online Account Management Capabilities

While the article mentions the presence of a “Make a Claim” button on the Platinum website for claims, it does not specifically address the online account management capabilities of State Mutual Insurance Medicare.

Interested customers should visit the company’s website or contact the company directly to explore the availability of online account management features, including policy management, payments, and document access.

Digital Tools and Resources

The article does not provide detailed information about the digital tools and resources offered by State Mutual Insurance Medicare. Customers looking for digital resources such as educational materials, calculators, or online quotes may need to explore the company’s website or reach out to State Mutual Insurance for more information about their digital offerings.

State Mutual Insurance Medicare Ratings and Consumer Reviews

State Mutual has a Better Business Bureau (BBB)  rating of D- with two complaints on file in the past three years. That’s not a lot of complaints, but since State Mutual didn’t respond to either one it has a very low score. Platinum Supplemental Insurance has a BBB rating of A+.

State Mutual Insurance Medicare: The Bottom Line

Due to a limited amount of information, we are unable to draw any sort of conclusion regarding this company. If you’re seeking Medicare Supplement insurance and wish to shop online, there are plenty of choices out there that will provide detailed plan information, rates, and even the opportunity to buy directly online; State Mutual is not one of them.

Affordable State Mutual Insurance Medicare may be an option for you, but you should always shop around before you buy. Enter your ZIP code now to get fast, free quotes.