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Heartland National Medicare Review

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UPDATED: Nov 30, 2018

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Living up to its name, Heartland National Life Insurance Company was born in the heartland of America and is the perfect example of a homegrown company that has grown from a small beginning. The senior-focused company provides supplemental policies in 21 states.

About Heartland National

Heartland National was founded in 1994 by a former insurance agent who, after a successful career selling insurance for an agency, decided to start his own company. With its original office in the extra bedroom of founder Chris McDaniel’s house, Heartland grew quickly enough to move into a 10,000 square foot facility in 1996.

In 1999 Heartland acquired Successful Sales Systems, adding 6,000 sales associates to the roster. They followed this in 2006 with the acquisition of Dixie National Life, expanding their reach across multiple states in the process. 2008 saw Heartland finalize a deal with Utah-based Equitable Life and Casualty Insurance Company for reinsurance and administration of Heartland policies.

Today Heartland National Life is joined by Heartland Financial Group and Heartland Properties of Missouri under the Heartland Holding Company banner. The group of companies has more than $20 million in annual sales.

Heartland National continues to focus their products on the senior market, offering a focused list of products: Hospital Care, Cancer Care, and Medicare Supplement. In spite of the name, Heartland does not write life insurance policies. The website indicates that they plan to add a longer list of supplemental policies in the near future.

Heartland National Medicare Supplement

Heartland offers Medicare Supplement insurance plans at several levels, following the standardized letter-coded system that is used in most states. Currently, Supplement plans are the only Medicare plans the company writes.

Of the 11 possible plans, Heartland offers six. These are Plans A, D, F, G, M, and N. This is a fairly good range of plans, particularly for a smaller company; we have seen larger companies that offer only two or three options.

Plan A is the base plan that all Medicare Supplement providers are required to offer. It covers all of the coinsurance amounts for Medicare Parts A & B, and also covers the first three pints of blood annually.

Plan F is the most comprehensive plan available. It covers all of the out of pocket costs not paid for by Medicare as well as 100% of emergency medical costs incurred during foreign travel. This plan is often offered with a high deductible option to bring down the monthly premium, but Heartland does not offer this option.

The remaining plans on Heartland’s list have coverage that ranges somewhere in between these two offering a good selection of coverage choices to meet various budgets.

Rates

Heartland does not offer rate information for its Supplement policies on their website, therefore we are unable to provide any comparison information to other companies in terms of price.

While in most cases smaller insurance companies tend to have higher rates, that is not always true when it comes to Medicare Supplement. Those interested in a quote are directed to contact a local agent for assistance.

Claims

In most cases, Medicare Supplement claims are paid directly to the provider with no need for policyholder involvement, and that is true of Heartland. There is little information regarding claims on the company website, and the page dedicated to claims forms does not have forms related to Medicare Supplement offered.

Ratings and Consumer Reviews

Heartland National Life has an A+ rating with the Better Business Bureau (BBB). There has been one complaint closed in the past three years – that complaint was closed in the past year and is new since our last review.

Outside of this one complaint, we were unable to find any customer reviews of this company anywhere else online. This is not uncommon for a smaller company. When it comes to insurance companies no reviews is usually good news – people tend to write reviews when they are unhappy rather than when they have something good to say particularly for insurance companies.

We found nothing to be concerned about in terms of this company’s reputation.

The Bottom Line

Without rates, we are unable to make a clear determination as to what kind of value Heartland offers. They are likely to appeal to those that prefer a homegrown company that is not too big but also not so small as to raise financial stability concerns. For those seeking Medicare Supplement coverage with the assistance of an agent, they are worth a closer look.

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

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Review Information

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Heartland National 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.

2 Comments

  1. I don’t understand why Heartland National charges two chrgs. every year. I get a letter in Dec. stating my chrgs. have gone up $3.00 or $4.00, then I believe it’s Jan. the price goes up to another $20.00. Could you explain this to me, Thank you
    Shirley

    Reply
    • Hi Shirley,

      I would recommend reaching out directly to Heartland National to find out about those charges. You can reach their customer service reps at this number:

      1-866-916-7971

      Best,
      Eric Stauffer

      Reply

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