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Standard Life and Accident 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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Standard Life and Accident is a supplemental health insurance and life insurance company offering Medicare Supplement among their products. Originally founded in Oklahoma, they are now part of a large group of companies operating out of Texas.

About Standard Life and Accident

Standard Life and Accident Insurance Company dates back to 1933 when they were founded in Oklahoma City under the name Hospital Service Company. The company was originally created to offer hospital coverage plans through a select list of hospitals in the area, but within a short time period expanded their products to include accident insurance and general health coverage.

The name Standard Life and Accident was taken on in 1940, and this was followed by decades of acquisitions and expansion; first into the Midwest, and the beyond, to a total of 32 states by 1968. In 1976 the growing company became a subsidiary of American National Insurance Company. This acquisition led to relocation in 1998 to Galveston, Texas, where the American National headquarters is located.

Standard Life and Accident writes a few basic life insurance policies as well as a long list of supplemental health products. Their Medicare Supplement policies are not currently available in all states.

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Standard Life and Accident Medicare Plans

While Medicare Supplement is listed among the products on the website, there is a complete lack detail regarding the products and services.

There is a basic overview of what Medicare Supplement insurance is, a white paper touting the benefits of the high deductible Plan F option, and instructions to contact a representative for more information.

There is not a list provided of which plans are offered by the company, nothing describing the plans, and no further information regarding benefits. We can assume the company sells Plan A, as they are required to do so in order to sell any of the plans, and since they are pushing Plan F with the high deductible option, it seems likely they sell that plan as well.

There are a total of 11 lettered Medicare Supplement plans on the standard plan list, however, Standard Life does not provide information in regards to which ones they have chosen to offer.

Rates

Not surprisingly given the fact that the company does not list which plans they sell, Standard Life and Accident does not offer an online quoting option or provide rate information.

We do not generally expect this type of company to provide online quoting but do frequently see a basic cost chart for Medicare Supplement plans, something that is absent here.

Claims

Claims forms can be downloaded from the website to be filled out and mailed to the company. There is also a toll-free claim phone number listed for those who require assistance.

Beyond this very basic contact information, there is no further claims instruction or detail offered to the customer via the website. This is not unusual for this type of company, however, the claims page could provide a little more in the way of detail as it is lacking compared to what we would typically see from a similar company.

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Ratings and Consumer Reviews

While the Better Business Bureau (BBB) has a file for both Standard Life and Accident Insurance Company and its parent company, American National Insurance Company, neither company currently has a rating. There are no complaints on file for either company.

We found no reviews or complaints of the company from consumers on any of the usual consumer reviews sites, nor were there Google or Facebook reviews available. In general, there is little to go on in terms of the reputation of this company. No news is often good news when it comes to insurance companies, but it’s not a guarantee.

The Bottom Line

Standard Life and Accident Insurance Company offers very little information on their Medicare Supplement plans, making it difficult to offer an opinion on their service and products. They are likely the type of company that gains most customers through agents and brokers rather than online searches, and their approach having an online presence (or lack thereof) reflects that.

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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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