Medicare Supplement

Better Together

The Patriot Series combines Med Supp and

Final Expense enrollment into one seamless

electronic application process

Good For Agents, Good for Clients

Together is always better. With the bundled solution from American

Home Life (AHL), producers and customers alike can enjoy a product

with more benefits and less complexity — the way insurance was meant

to be, holistically addressing the needs of your clients.

Our Promise To You

The American Home Life Insurance Company is honored that your client is considering our company to fulfill their Medicare Supplement needs. In return, we promise to provide your client with the best possible personal service, claims payment, and overall level of care we can. Rest assured they can rely on The American Home Life Insurance Company to be there for them when they need us most. We look forward to providing your client with the best experience possible.

Highlighted Features

30 days free look

Return any policy for any reason within 30 days after receipt for a full refund of all premiums paid.

12- month rate guarantee

No rate increase for the first 12 months.

Guaranteed renewable

No worries of reduced benefits or canceled coverage for the life of the policy, as long as the premiums are paid on time.

Go direct to your doctors

You can go directly to the Medicare participating physicians and specialists you choose without pre-certifications and pre-approvals.

Freedom to choose your doctors

You control and choose the Medicare participating physicians who you trust for your care.

Portable coverage

You are not restricted to use a network of health care providers. If you move, your coverage goes with you.

Finding The Best Plan For Your Client

The American Home Life Insurance Company offers Medicare Supplement Plans A, F, G, and N with varying amounts of coverage – Plan A providing basic benefits and Plan F offering more comprehensive coverage.

Some Plans may be available to qualified consumers under age 65 (not available in all states).

* Plan F available for people first eligible for Medicare before 2020 only.

** Plan N requires $20 copayment for office visits; $50 copayment for emergency room visits.
Copayments do not count toward the annual Part B deductible.

Cover Your Needs
Use this checklist as a starting point to help determine what you want your Medicare Supplement insurance policy to cover.
* Basic benefits (including hospice care)
* Medicare Part A deductible
* Medicare Part B deductible (available for people first eligible for Medicare before 2020 only)
* Medicare Part B coinsurance
* Medicare part B excess charges
* Skilled nursing facility coinsurance
* Foreign travel emergency

Find Peace of Mind with a Medicare Supplement Insurance

Filling the gaps

Medicare provides beneficial coverage for health-related expenses, but it does not cover all health care expenses. There are a number of gaps in Medicare coverage that your clients either pay for out-of-pocket or with private insurance. A Medicare Supplement insurance policy is a health insurance policy (also called Medigap) sold by a private insurance company to help fill in some of those gaps.

Know your options

Although private insurance companies provide Medicare Supplement coverage, Medicare Supplement insurance plans are strictly regulated by both federal and state governments. Before your clients purchase a plan, make sure they understand what their Medicare coverage includes.

Take care of yourself

A Medicare Supplement insurance policy helps your clients manage and budget their health care expenses with predictability and stability. Unexpected medical expenses can put their savings at risk. A Medicare Supplement insurance policy may offer financial security by helping them pay some of the out-of-pocket costs for Medicare-approved services and works hand-in-hand with Medicare to provide more insurance coverage.

Feel good about your choices

A Medicare Supplement insurance policy has no restrictive networks, your client can visit the physicians of their choice, and they have the freedom when choosing a health care provider, including specialists and specialty hospitals. With automatic claims filing by most providers, they have less things to worry about.

Patriot Series Final Expense

  • No Phone Interview + Instant Decision Given Via E-app!
  • 3 of 4 Available Benefit Tiers Are Level! Offer More Clients FULL Day 1 Coverage
  • Telesales Friendly – Industry-Best Signature Options
  • Competitive Underwriting – Day 1 Coverage for COPD, Lupus, Parkinson’s, No Height/Weight
  • Highly Competitive Rates
  • ALL Social Security Draft Dates Available
  • Ages 40-89 Available!

Materials at a Glance

Video Center

Common Documents

Frequently Asked Questions

Advertisement Review Request Form

Advertisement Guidelines Checklist

Medicare Supplement

Producer Guide

Disease Underwriting Guide

Rate Comparison

Patriot Series Final Expense

Producer Guide

Disease Underwriting Guide

Product Spec Sheet

Rates Quick Sheet

Conditional Receipt

Child Rider Application

Specific State Materials

*Patriot Series Final Expense Only

Medicare Supplement Glossary:

Benefit Period - Starts the day you go to a hospital or skilled nursing facility, and ends when you have not received hospital or skilled nursing facility care for 60 consecutive days.

CoInsurance - A percentage of Medicare-approved expenses not paid by Medicare.

Copayment - A fixed fee amount that subscribers to a medical plan must pay when using specific services covered by an insurance plan.

Deductible - Amount that one must pay for Medicare-approved expenses before Medicare begins to pay.

Eligible Expenses - Costs that are deemed medically necessary by Medicare and covered expenses under your plan.

Emergency Care - Immediate medical care is needed because of an injury or an illness of sudden and unexpected onset.

Excess Charges - The difference between what a health care provider is permitted to charge and the Medicare-approved amount.

Hospice Care - A program of care and support for someone who is terminally ill; helps them live out the time they have remaining to the fullest extent possible.

Medicare-Approved Amount - In original Medicare, the amount that a physician who accepts assignment can be paid, including what Medicare pays and any other deductibles, coinsurance, or copayments.

Premium - The periodic payment to Medicare, an insurance company, or a health care plan for coverage.