Sentinel Security Life Insurance Company was started back in 1948 by a group of funeral directors from Salt Lake City, Utah. They got together with an idea to design a final expense plan to help pay funeral costs at the time of need. A few of the founders are still members of the Board of Directors.

Today, we’ll discuss Supplemental Medicare insurance plans and Sentinel Security’s Medicare Supplement plans. Then we’ll show how the Medicare Advantage plans and Part D prescription drug coverage works. In conclusion, we’ll answer a few questions and explain how to get help with Sentinel Security’s Medigap policies.

Sentinel Security Supplemental Medicare Plans

Medicare has costs that beneficiaries must pay when using hospital and medical services. Supplemental Medicare health care plans help offset or pay for all or a portion of the cost share for Original Medicare. These insurance products typically come from Medicare Supplement insurance policies or Medicare Advantage plans.

Sentinel Security Medicare Supplement Plans

Medicare Supplement insurance pays for the costs left after the Federal Medicare program pays its cost-share. These Medigap plans have ten available options with various benefit levels. Most Medicare beneficiary enrollments consist of Medigap Plans F, G, and N.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

These three plans are the most popular because of the price point and coverage levels. Depending on your program, you could pay little to nothing when you use your Medicare benefits with your Medicare Supplement insurance policy.

  • Plan F will pay all of your Medicare costs for covered Medicare services.
  • Plan G is the same coverage, except it doesn’t pay your Medicare Part B deductible.
  • Plan N is similar to plan G. The differences include small copays when you go to the doctor or emergency room and no coverage for Medicare Part B excess charges.

Medicare Supplement plans only cover healthcare services that fall under Medicare Part A and Part B.
These plans are secondary to Medicare and help cover items such as Part B coinsurance, skilled nursing facilities, and inpatient hospital stays.

Sentinel Security Medicare Advantage Plans

The other supplemental Medicare health care is a Medicare Advantage plan. These are considered Part C of Medicare. Administered by private health insurance companies and regulated by CMS, Medicare Advantage plans must have coverage at least as good as traditional Medicare. In addition, they must have an annual limit on how much an individual must spend on medical care.

Sentinel Security Medicare Part D

Prescription drug coverage is one of the biggest concerns that beneficiaries of Medicare have. Drug coverage is provided through a Medicare Part C plan, which includes drug coverage or is standalone with a Part D plan. These plans are added to Original Medicare or a Medicare Supplement to provide coverage for prescriptions picked up at the pharmacy.

Financial Strength Ratings

Financial stability is an important aspect to consider when choosing a health insurance company. The better the financial performance, the better client experience you’ll typically experience. AM Best gives Sentinel Security Life Insurance Company a rating of “B++.”

Reviews

Sentinel Security is a Utah-based life and health insurance company. They offer annuities, life insurance in 34 states, and Medicare Supplement plans in 27 states. Their policyholders’ reviews on the BBB report good customer service and a solid financial rating. The BBB gives Sentinel Security an “A+” rating.

FAQs

When’s the best time to enroll in a Sentinel Security Medicare Supplement Plan?

When it comes to Medicare Supplement plans, the best time to enroll is during your Open Enrollment (OEP.) OEP is when you first become eligible for Medicare. The Open Enrollment period lasts six months. You can’t be asked health qualification questions or denied coverage during that time.

What States does Sentinel Security offer Medigap Plans?

Sentinel Security provides Medicare Supplement plans in 27 states. They offer Medigap plans in the following states:
Washington, Oregon, Nevada, Utah, Arizona, Montana, Wyoming, Colorado, New Mexico, North Dakota, South Dakota, Nebraska, Kansas, Oklahoma, Texas, Iowa, Illinois, Louisiana, Mississippi, North Carolina, Rhode Island, Maryland, Pennsylvania, Ohio, Kentucky, and Indiana

What are the eligibility requirements for a Medicare Supplement plan through Sentinel Security?

To be qualified to enroll in a Medigap plan with Sentinel Security, you must live in a state where the program is offered and have active Medicare Parts A and B. You will need to be able to pass medical underwriting in most cases. If you’re in Open Enrollment or another guaranteed situation, you won’t have to answer health questions.
As long as you’re paying your monthly premium, Medicare Supplement plans are guaranteed renewable.

Does a Medicare Supplement cover Hospice?

Hospice falls under Medicare Part A. There isn’t a cost-share associated with hospice care in most cases. If there are any costs associated with hospice, your Medicare Supplement should cover those costs.

What Medigap Plans does Sentinel Security offer?

Plan offers will vary depending on the state. The Medigap plans offered include:

How to Enroll in a Sentinel Security Medicare Plan

Enrolling in a Sentinel Security plan is reasonably straightforward, but which plan should you choose? Our licensed insurance agents will help educate you and help you determine which plan fits your needs. From there, they’ll guide you through a simple enrollment process. For help, call the phone number above or fill out the online request form.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.