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Greek Catholic Union of the USA Medicare Review

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UPDATED: Nov 30, 2018

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Greek Catholic Union of the USA
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Founded more than 125 years ago, the Greek Catholic Union is a membership-based organization offering a few basic products. Created as a life insurance company, the Union now also offers Medicare Supplement coverage.

About the Greek Catholic Union

In 1892 a group of 14 lodges connected with the Greek Catholic Church came together to form a fraternal society dedicated to providing life insurance coverage to members who could not obtain it elsewhere. The Greek Catholic Union’s policies protected those with dangerous occupations that would bar them from being issued coverage by standard insurance companies.

The original rules of the organization limited membership to those who were a part of the Greek Catholic Church, but in 1979 the Union changed the requirements. While the website says they are open to all Christians, there are specifics in the bylaws regarding who can become a member. To qualify one of these requirements must be met:

  • Member of a Byzantine Church under the jurisdiction of the Metropolitan Ruthenian Church of Pittsburgh
  • Of Slav heritage and a member of the Catholic Church
  • A Catholic or Christian of any denomination meeting the requirements (must follow the tenants of the Nicene Creed) interested in the Byzantine Church or Slav heritage
  • A member of an acquired fraternal society

In addition to meeting one of the above requirements, the purchase of a product is required for membership, which is available at two levels – Insurance and Associate. There are a variety of membership benefits that include scholarships, debt assistance, and discounts at various business, mostly in PA.

Products are sold through agents representing more than 1000 local lodges across the country. The organization’s headquarters is located in Beaver, PA.

Greek Catholic Union Medicare Supplement

The Greek Catholic Union offers Medicare Supplement policies to its members, but it does not offer any information on the site regarding which plans are available. This has changed since the last time we reviewed this company, when a full list of available plans was found on the site. This may be due to upcoming changes to Medicare.

In most states, Medicare Supplement plans come in a set of 11 different letter-coded options, and companies can choose which plans they want to offer within a few guidelines. Plan A is the base level plan, which all companies are required to offer – so we can safely state that the Greek Catholic Union has this plan available. Beyond that, they may offer any combination of the remaining 10 choices, one of which must also be either Plan C or Plan F.

Members can contact an agent to get more information on which plans are available in their area.

Rates

In keeping with the lack of any real information on the Greek Catholic Union’s Medicare offerings, there is likewise no rate information available. Again, this has changed since the last time we reviewed the Greek Catholic Union, which at the time had sample rates listed on their website.

Members are directed to contact an agent to get both details on plans and to obtain a rate quote. As a result of this, we are unable to compare rates with other companies.

Claims

Medicare claims information is nowhere to be found on the Greek Catholic Union’s website. It is likely that they operate in much the same way as other such companies, handling claims directly with providers on behalf of their members.

Ratings and Consumer Reviews

The Greek Catholic Union has an A+ rating with the Bette Business Bureau(BBB). There are no complaints at all on file in the past three years and no reviews of the company found on the BBB site.

There is a total of four Google reviews, two of which are positive and two negative, resulting in an overall three-star rating. Neither of the complaints offers any information on policy services; one has no comments and the other is complaining of excessive solicitation attempts.

There is little else in the way of reviews for this organization. That is not surprising given it’s a religious-based fraternal society; these types of insurers often have little to no customer feedback online. This may be due to the fact that members view them differently from other insurance companies and approach complaints differently.

The Bottom Line

Since our last review of the Greek Catholic Union, they have greatly reduced the amount of information offered on their website, which makes it difficult to determine how competitive they are in terms of policy offerings and prices. The Greek Catholic Union will appeal to those that want to be a part of a faith-based organization, and that means that price and selection may be a less important consideration.

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

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Review Information

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Greek Catholic Union of the USA 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.

9 Comments

  1. @KC or anyone seeing rate increases. Have you shopped your Medigap letter Plan?

    A rate increase is normal if you had “Duration of Coverage” with the same company & letter plan for 2-3+ yrs.

    There are FREE insurance rate reduction services, Medicare Savings.

    If you can health qualify to reduce your rate(Same Medigap Letter Plan). Be Blessed.

    Reply
  2. I am sure you meant it went up, as in increased by…not that it went up.. as in increased to….$53.

    $53 per month would be an unbelievably low payment per month.

    Reply
  3. I went with GCU because they had the best rate when I turned 65.

    In the past year, my rate has gone up to $53.00 per month!

    I will probably have to switch to an advantage plan in the future.

    Reply
  4. From what I have read I am a bit nervous.

    Did my parents make a huge mistake getting GCU Medicare supplements 3 years ago?

    Reply
  5. I need to know if GCU was my insurer on 13-14 Dec 2014 while I was at U of A Med Centr Tucson Az.

    Can you help me?

    Reply
  6. I have purchased an annuity with this GCU.
    What is the long-term stability of this company with regard to this purchase and long-term investment potential as I grow older?
    It is difficult to find a meaningful rating compared to the larger insurance companies offering annuities.
    I have been told this may have been a big mistake on my part.

    Reply
  7. Hi Rick,

    If you are OK with the premium, I don’t see any issue with continuing their services for 2018.

    Best,
    Eric Stauffer

    Reply
  8. Eric:
    My Medicare supplement Plan G for 2017 is currently with Greek Catholic Union.
    I have been please with this Company to date.
    Is there any reason not to stay with this Company for 2018.
    My new monthly premium only increased to $125/month.
    Thanks.

    Reply
    • You were smart to get into a Plan G. If you have gotten a rate adjustment for your Medicare Supplements Plan its always a good idea to shop the market for those standardized Medigap Letter plans. Hopefully, you have already found a licensed trusted broker that specializes in Saving your hard earned dollars when you get these rate adjustments.

      Michael C. Fischbach

      Reply

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