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Combined Insurance Medicare Review

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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...

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UPDATED: Nov 30, 2018

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Combined Insurance Medicare
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Combined Insurance has been in business for close to one hundred years and is focused entirely on supplemental products for individuals and groups. Today Combined operates as a subsidiary of Chubb, one of the largest insurance groups in the world.

About Combined Insurance

Combined was founded in 1922 as Combined Registry Company, and they started out with an initial loan of only $100. The acquisition of American Casualty Company Post-Depression resulted in the creation of Combined Mutual Casualty Company, which was eventually changed again to Combined Insurance Company of America in 1947.

Combined spent the following decades in global expansion, taking their operation into Canada, England, and Australia. Combined went public after the creation of a holding company in 1980. Today the company has more than 5 million policies in force and is a Chubb company, making them a part of one of the biggest companies in the insurance industry worldwide.

Combined focuses solely on supplemental health insurance plans, writing them for both individuals and for employers as employee benefits. Their policies include accident and critical illness insurance as well as income protection coverage. The main Combined site makes no mention of Medicare Supplement insurance, although a search finds it listed on a separate extension of the site. We found it odd that this section of the site appears to have no link from the main site and can be found only through a specific search.

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Combined Medicare

While we did find the page that mentions Medicare Supplement insurance, it is not particularly informative.

A list of which policies are available is not offered, the site simply directs visitors to contact an agent for more information. There is a form that can be filled out to request more information.

The site says that plan options vary by state and that coverage is not offered in all states. Beyond some general information on what Medicare Supplement is, there is not really much else to be learned from the website.

Since all Medicare Supplement companies are required to carry Plan A, the base plan, in states where the letter-coded system is in use, we can assume Combined does offer this option. They are also required to offer either Plan C or Plan F, but we are unable to guess which of these they have available.


Online quoting is not available for Combined Insurance; again, the contact form can be used in order to request that an agent responds with more information and rate quotes.

This is not surprising considering there’s very little information on the company’s offerings.


Combined handles Medicare Supplement claims directly via an electronic system. The site says that there are no paper claims forms and all that is required to file is your policy number.

There is no further information regarding claims on the company website.

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Ratings and Consumer Reviews

Combined Insurance has an A+ rating with the Better Business Bureau (BBB), and there is a total of 66 complaints listed on the file. The company has been accredited with the BBB since 1954. Out of 32 customer reviews, the company has a two-star rating.

We found 295 reviews of this company on Pissed Consumer. That number is up since the last time we reviewed this company, and their overall star rating has gone down from a 1.8 to a 1.4. Most of the complaints surround refusal to pay out on claims. That is fairly common to most insurance companies. The overall number of complaints having increased is not surprising given the fact that they do not fall off on Pissed Consumer after any set number of years as they do with other rating sites.

Combined is a pretty big company, so overall the complaint ratio is not of much concern.

The Bottom Line

There simply is not enough information on Combined’s Medicare policies to provide any sort of solid opinion on this company. The fact that the Medicare information is difficult to find from the company’s main page suggests it is not a product line of major importance to this company. Those shopping for Supplement coverage might have better luck elsewhere as there are other sites that offer more information about their offerings.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Combined Insurance Medicare
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My 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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