The older that you get, the more money you’re going to spend on health care and medical expenses. All of these costs can quickly add up, doctor’s visits, hospital bills, prescriptions, and much more. Every year the costs of health care are getting more expensive, and there is little that we can do about it. Every year, we hear stories of retirees that had their savings account drained by expensive hospital bills.
One way that you can protect yourself from these costs is by purchasing a Medicare supplemental insurance plan. These plans are sold by private insurance companies and help protect you from having to pay massive hospital bills. There are ten different Medigap plans that you can choose from (there may be less depending on where you live), each of them pays for different expenses or various portions of those expenses, with Medigap Plan F is the most comprehensive all the supplemental plans. It’s important that you choose the one that fits your needs the best. Not having adequate health care coverage could turn your retirement dream into a retirement nightmare.
There are dozens of different insurance companies that sell Medigap plans, how are you supposed to decide which ones works well for you and your needs? There are several highly rated companies that probably sell plans in your area. One of those companies is Gerber Company.
Where to Find the Best Premium Quotes for Medigap Coverage
In order to obtain the best premium quotes on supplemental insurance coverage, it can be helpful to work in conjunction with an independent brokerage that has access to more than just one insurance company. Because all of the plans are standardized across the U.S., the only factor that you’ll have to compare is the premiums. Just because all of the companies are required to provide the same coverage, doesn’t mean that all of them are going to cost the same every month. Each company has different rating systems and monthly premium rates.
If you want to get the lowest rates available, it’s important that you get quotes from every company in your area. This could take hours of you calling agents and talking on the phone. Instead of wasting your time calling companies individually, or you can let us do all of the work for you. We will bring all of the lowest rates from the highest rated companies in your area. No calling, no research, no hassle. Your time is valuable, don’t waste ig by spending hours on the phone.
One of the best ways to get the lowest rates is to take advantage of your Medigap Open Enrollment period. This is a six-month window surrounds the month that you turn 65. During this time, the insurance companies MUST approve your application, regardless if you’re in poor health or have any chronic conditions or diseases. For anyone that has serious health problems, it’s important that you take advantage of this window.
Another benefit to the open enrollment period is that the companies can’t charge you more in monthly premiums because of your health. After the six-month time frame is up, you application will be treated like any other insurance policy. You’ll be forced to go through the medical underwriting. At this point, the company can either decline your application or charge you more every month.
The History of Gerber Insurance
The Gerber Company has been offering insurance protection since 1967 – one of their main products was life insurance, especially for young families, but life insurance isn’t the only thing that they sell. While Gerber is connected to the Gerber Products Company, the makers of baby food, it is a totally separate entity. However, both entities have one common goal, and that is to help parents raise happy, healthy children.
Gerber Insurance company is headquartered in White Plains, New York and is the leading provider of life insurance, especially for children. While the majority of people know them for their life insurance plans, their supplemental insurance policies should also be considered. They have years of experience in the insurance marketplace.
Gerber has an additional goal, and that is to be the brand that parents trust to help them achieve financial security and protection for their families. One key way that the company does this is by providing affordable, quality Medicare supplemental insurance coverage.
Gerber Life Company is one of the most well-known and trusted insurance companies in the U.S., because they have provided quality insurance products and excellent customer service.
Gerber Company Review
Gerber is one of the most recognizable insurance companies in the nation. The company offers several different Medigap policies – which is helpful, as its clients can choose the coverage that best fits their needs.
These plans can help to protect families from the unexpected medical bills that a lot of seniors face. Protecting your hard earned money from massive medical bills is one of the best things that you can do for you and your family.
There is a lot of information located directly on Gerber’s website – including in-depth details about child’s life insurance, adult life insurance, of Medicare supplemental insurance plans.
Gerber Company Ratings and BBB Grade
Because of Gerber’s financial strength and stability, as well as its positive reputation for paying out policyholder claims, the company has been rated very highly by A.M. Best and company. Gerber is rated as an A / Excellent. This rating is the third highest possible rating out of 13 possible categories.
In addition, although the Gerber Company is not an accredited business via the Better Business Bureau, the company has been given a grade of A+ by the BBB, on an overall grading scale of A+ through F.
Over the past three years, the Gerber Company has closed out 76 total complaints. Of these 76, 47 had to do with problems with the company’s products and / or services. Another 15 of these total complaints had to do with advertising / sales issues, 11 were in relation to billing / collection issues, two had to do with delivery issues, and one was in relation to guarantee / warranty issues. Considering the size of the company and how many customers they have, they have a relatively small amount of complaints, and very few of them are major.
Customer Service Offered by Gerber
The company offers several different ways that you can contact them for assistance. For questions, quotes, or other information that is needed, Gerber Life Insurance Company has customer service representatives who are available. Reps can be reached via a toll-free phone line Monday through Friday, between 8:00 a.m. and 7:00 p.m. (Eastern Time). Reps are also available on Saturday between 9:00 a.m. and 5:00 p.m.
Customers and prospective customers can also email Gerber Life or send a fax to get their questions answered. Mail may be sent to the company’s headquarters, which is located in Fremont, Michigan.
Individual can also quickly and easily sign up for the Gerber Company newsletter by simply providing a valid email address through the Gerber website. These newsletters offer news and tips, as well as exclusive offers. Website visitors can also sign up to receive additional information about Gerber’s life insurance plans.
If you are ready to proceed with finding information and / or quotes on insurance coverage that is right for you, we can help. We work with many of the top insurance companies in the marketplace today, and we can assist you with obtaining all of the details that you need for making a well-informed purchase decision. To get the process started, just simply take a few moments to fill out the form on this page.
Should you find that you still have any additional questions or concerns about Gerber Insurance Company – or even if you just have a basic question about insurance in general – we can be reached directly via phone by dialing, toll-free, 800-376-0824.
We understand that the purchase of supplemental insurance can be a major decision, so we want to help you ensure that you are obtaining the best coverage for you and your specific requirements. The process can be difficult and confusing, but it doesn’t have to be. So, contact us today – we’re here to help.