heartland national medicare review

Heartland National Life Insurance Company is a company that has been experiencing rapid growth as they continue to develop innovative Senior Market Products designed specifically for baby boomers. They offer Medicare Supplement plans and will soon offer additional supplemental benefits such as cancer, heart attack, stroke, life, dental, and short-term care.

Heartland National Life Insurance company highlights

  • Offers Medicare Supplement Plan A, Plan B, Plan C, Plan G, Plan N, and Plan F
  • Guaranteed renewable
  • Affordable premiums
  • Fast and friendly service
  • Simple underwriting process

Heartland National Life Insurance Medicare plans

Some carriers offer all supplement Medicare plan policies, while others only offer a limited amount. In the case of Heartland National, they only offer Medicare Supplement plans.

heartland national medicare plan options

Heartland National Life Insurance Medicare Supplement plans

Heartland National Insurance offers six of the ten-letter plans. This includes Plan A, Plan D, Plan F, Plan G, Plan M, and Plan N.

Medicare Supplement Pros:

  • Freedom to see any doctor or provider in the US, no matter how far away from home you may be, important if traveling throughout America and having a second property elsewhere
  • You don’t need a referral to see a specialist
  • Depending on the letter plan you enroll in, you could have zero out-of-pocket costs
  • No claims paperwork – Medicare Supplement companies have a crossover filing with Medicare. When your provider files an insurance claim, that is automatically sent to the same company for processing and verification of coverage.

Hospital coverage

Hospital Indemnity Insurance can help protect your savings and provide a safety net if you need medical care. It pays out cash for covered hospitalizations, so no one should have to worry about their finances when they’re ill.

Cancer care

It is no secret that cancer affects everyone in some way. It doesn’t discriminate based on race or ethnic group; it can come anywhere. You can purchase a cancer plan from Heartland National to provide a lump sum cash benefit if you’re diagnosed with cancer.

Heartland National Life Insurance Medicare Advantage plans

Heartland National does not offer Medicare Advantage plans at this time. However, many carriers do offer these plans in your area.

Heartland National Life Insurance Medicare prescription drug plans

At this time, Heartland National does not offer Part D prescription drug plans.

Heartland National Life Insurance pros and cons


  • Fair Medicare Supplement premiums
  • 12-month rate lock for new policyholders
  • Has additional products that can be added to Medicare plans.


  • No Medicare Part D and C offerings
  • only offered in select states

Heartland National Life Insurance review

Heartland National Insurance started as a small company in 1994 but today operates more than $20 million worth of assets across most states.

The business has grown significantly over the years and prides itself on satisfying its customer’s needs with innovative products designed for their specific situations. All while maintaining superior levels of service quality throughout this process.

  • Competitive Rates
  • Customer Satisfaction
  • Fast Claims Processing
  • Market Experience
  • Strong Financial Reserves
Medicare Supplement Plans YES
Medicare Advantage Plans NO
Medicare Part D Drug Plans NO
Medicare plan options


What Medigap plans does Heartland National Life Insurance company offer?

Heartland National currently offers Plan A, Plan D, Plan F, Plan G, Plan M, and Plan N.

When can I enroll in a Heartland National Medigap plan?

You can enroll in one of their six Medigap plans during your Open Enrollment Period and not have to answer any health questions. If you’re outside your OEP, you can still enroll in any of their Medigap plans. You’ll have to go through medical underwriting.

How do I know if I’m eligible for a Heartland National Medicare Supplement plan?

You can enroll in a Heartland National insurance plan with Original Medicare.

How to enroll in a Heartland National Medicare Supplement plan

Heartland National offers Medicare Supplement insurance plans to help you pay for the costs not covered by Original Medicare. We have various plans available and can help you find the one that fits your needs and budget. Plus, our rates are competitive, and we offer several discounts. Call us today or fill out our rate comparison form to get started.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. 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 Medigap.com. 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.