combined insurance medicare review

With over a quarter-century in the industry, Combined Insurance Medicare plans have built up an impressive resume that includes providing products internationally and at home. Founded back when it was just called Registry Company (a name they still use today), this organization was bought by ACE Group in 2008.

Combined Insurance Company of America is a company that has been in business since almost 100 years ago. They provide supplemental life and accident disability health coverage for their customers.

Combined Insurance Medicare plans

When shopping around for Medicare insurance, the most important thing to know is that you’re getting the right kind of coverage. Otherwise, your experience can be quite frustrating and costly. Combined Insurance doesn’t offer Medicare Advantage or Part D prescription drug plans. The company puts its focus on Medicare Supplement plans.

combined insurance medicare plan options

Company highlights

  • Over 85 years of experience in the insurance industry
  • Prides itself on being a military-friendly company
  • Sold to ACE Group in 2008
  • Customer-centric, performance-minded business model

What does Combined Insurance Medicare Supplement plans cover?

Medicare Supplement plans are a great way to protect yourself from high out-of-pocket costs when you need medical care. They work with original Medicare parts A & B, lowering or eliminating copays and coinsurance payments. Plus, these policies can be renewable as premiums continue to be paid.

Combined Insurance Medicare Supplement plans

Medicare enrollees have various Medigap plans, including ten different policies. Plans A-N offers standardized benefits and copay reductions.

The top plans offered through Combined Insurance include Plan G, Plan N, and Plan F. If you were eligible for Medicare before 2020, you can get first-dollar coverage with Plan F.

If you were not eligible until after 2020, then the top plan you can get is Plan G. Plan G leaves you with only the Part B deductible to pay out of pocket, which is currently $240.

Unfortunately, if you’re located in Florida, Plan N is not offered by Combined Insurance.

Medicare Advantage plans

Combined Insurance does not currently offer Medicare Advantage plans. However, there are many carriers in your area that do.

Medicare Part D

Currently, Combined Insurance does not offer Part D prescription drug plans.

Combined Insurance Medicare pros and cons


  • Loose underwriting requirements
  • Offer Medicare Supplement Plans F, G, and N
  • Strong financial backing


  • Lack of online reviews
  • Combined doesn’t offer Part D or Medicare Advantage

Combined Insurance financial strength ratings

Let’s face it. Nobody wants to be in financial ruin. That’s why A.M Best (the agency that grades insurance companies) works hard on delivering strong ratings for your Medicare supplement policy so you can feel confident about where we will keep ourselves from falling apart if something ever happens.

A.M. Best Rating A+
Moody’s Rating A2

Combined Insurance reviews

Customers like the convenience of e-applications. Their Medigap plans are also free from pre-existing condition limitations and waiting periods. The pricing method they use is issue age. Some negative customers have expressed concern about the limited availability of plans and the difficulty of finding online reviews.

Medicare Supplement Plans YES
Medicare Advantage Plans NO
Medicare Part D Drug Plans NO


Plan G is currently the most popular plan offered by Combined Insurance.

Who bought Combined Insurance?

The world’s largest publicly traded property and casualty insurer, Chubb, bought Combined Insurance.

How long has Combined Insurance been around?

Combined Insurance has been around since 1922, with company headquarters in Glenview, Illinois.

How to enroll in a Combined Insurance Medicare Supplement plan

Give us a call to enroll in a Combined Insurance Medicare Supplement plan. Our agents are licensed in your state and can compare all letter plans side by side to make sure you get the best coverage for you. You can also complete our online rate form.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.