American Republic Insurance Company Medicare Review & Complaints: Health Insurance

American Republic Insurance Company Medicare Supplement is available along with life insurance policies. American Republic Insurance Company's A.M. Best rating is an A-, and it has an A+ rating from BBB with no complaints on file. American Republic Insurance Company Medicare rates aren't available online, but you can compare quotes here.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 21, 2020

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American Republic Insurance Company

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American Republic Insurance Company is a Midwest-based health insurance company offering products across the country. They offer a selection of health and life insurance plans as well as Medicare Supplement insurance.

This review will look at which plans are available as well as the company’s reputation. We’ll cover how to get quotes and their financial ratings as well.

Before you buy coverage, it’s a good idea to shop around. Compare rates right now with our easy quote tool above.

What is American Republic Insurance Company?

The business was founded in Des Moines, Iowa in 1929 to offer affordable health insurance options to Iowans. In 1945 they began expanding to other states, first into Minnesota and then quickly branching further across the country.

In 1999 American Republic Mutual Holding Company was formed, with American Republic Insurance operating as a stock company under the holding company, and in 2004 a sister company, World Insurance Company, was added to the roster. That same year the holding company changed its name to American Enterprise Mutual Holding Company.

Today, the insurer is licensed in most states and offers a few basic policy products. Availability varies by state, but in general, they offer short-term convalescent care, final expense whole life insurance, and Medicare Supplement.

The company’s headquarters remain in Des Moines, and products are sold through independent agents across the coverage area.

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What Medicare Supplement Plans are offered?

American’ Republic’s plans vary depending on the state, and the website currently has no information as to which plans are available, Since they are required to offer Plan A, we can safely assume that is on the list as well, but they do not offer further information on which other options are available.

Plan F is the highest level of coverage available for Medicare Supplement, paying for all out-of-pocket expenses including coinsurance and deductible amounts. Although the company offered this plan in the past, changes to Medicare Supplement mean it’s no longer available to those that are newly eligible for Medicare as of January 2020.

There’s no information on any sort of American Republic Insurance Company Freedom Medicare Supplement or any other plans.

Does the company offer competitive rates?

A rate chart is not offered nor is online quoting on American Republic’s website. They offer three options to get rates: by calling a toll-free number, contacting a local agent, or filling out a request form that can be submitted online.

Each of these options, as noted in the fine print, will result in solicitation attempts from the company.

How are claims handled?

Medicare claims are usually handled directly between the insurance company and the provider, and American Republic Corp Insurance Company is no different. They do not offer claims information on their website other than directing members to contact the main customer service line with questions about claim forms in process. This is likely mainly for their other products; Medicare Supplement claims are not mentioned specifically anywhere.

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Are the ratings and consumer reviews positive?

We found several Better Business Bureau (BBB) records for American Republic, none of which reflect the company’s headquarters in Des Moines. One record, for a location in Lincoln, Nebraska, shows the company as being out of business, while another location in Rockford, IL also shows that mail sent out by the BBB was returned. These may be branch offices that have been closed recently. A location in Phoenix, Arizona shows an A+ rating with no complaints on file.

To broaden our search, we looked for the BBB file on the holding company, American Enterprise, and found a file for the Des Moines headquarters under that name, with an A+ rating and one complaint in the past three years.

Consumer Affairs has 3 reviews of the company, with an overall two-star rating that is based on the six reviews that contained star ratings. The newest review on the site is dated in 2014, and there is only one from that year. After that, reviews go back to 2012 and older which makes the information fairly outdated.

The company has an A- rating with A.M. Best.

We were unable to find any more reviews and nothing recent to go on; generally, a lack of recent complaints is a positive thing for an insurance company.

What’s the bottom line?

There is not a lot of information regarding this company, including which Medicare plans they offer, rates, or recent reviews. While we also found no red flags, some shoppers may prefer to choose an insurance company that makes more effort to provide easy and accurate information about their products and rates.

Affordable insurance may be available to you, but it’s always good to know what your options are. Enter your ZIP code to compare rates from top companies today.

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