Medicare Supplement

OVERVIEW

You get more than a health insurance plan when you choose Loyal Christian Benefit Association (LCBA) to supplement your Medicare coverage. You get a partner, a non-profit organization whose passion and intention is to make a difference in the lives of others by giving back.

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1-800-234-5222
Plan A Plan F Plan G Plan N
Basic Benefits
Skilled Nursing Coinsurance
Medicare Part A Deductible
Medicare Part B Deductible
Medicare Part B Excess
Foreign Travel Emergency

Plan Overview

An LCBA Medicare supplement insurance policy can help pay some of the eligible expenses that Medicare Part A and Medicare Part B don’t cover. Please be advised there may be charges above what Medicare and LCBA pay.

This Medicare supplement insurance does not pay for:

  • any expense incurred before your policy date
  • hospital or skilled nursing facility confinement incurred during a Medicare Part A benefit period that begins while this policy is not in force
  • expenses paid for by Medicare
  • services for non-Medicare eligible expenses
  • services for which no charge is made when there is no insurance
  • losses or expense that is payable under any other Medicare supplement insurance policy or certificate

Medicare eligible expenses means charges of the kinds covered by Medicare Parts A and B, to the extent Medicare recognizes them as reasonable and medically necessary.

Coinsurance is the portion of the eligible expense not paid by Medicare and paid by Loyal Christian Benefit Association.

How an LCBA Medicare Supplement Plan Can Give You Peace of Mind

  • You’re covered immediately. There is no waiting period for pre-existing conditions, and benefits will be paid from the time your certificate is in force.
  • Your certificate cannot be canceled. It will be renewed as long as the premiums are paid on time and the information is correct on your application.
  • Your Medicare supplement insurance benefits will automatically increase as Medicare deductibles and coinsurance increase. Benefits are not paid for any expense paid by Medicare.
  • Free Look. You have 31 days from your renewal date to pay your premium. Your policy will stay in force during this 31-day grace period.
  • You can’t be singled out for a rate increase, no matter how many times you receive benefits. Your premium changes: (a) each year on the renewal date coinciding with or following the anniversary of your policy date; and (b) when the same premium change is made on all in-force Medicare supplement insurance policies of the same form issued to persons of your classification in the same geographic area of your state. Your policy’s two-person household premium discount ends if the person you live with terminates his or her policy or moves to a different residence.

You can be confident that your Medicare supplement insurance benefits will be paid as promised because LCBA has been serving our members since 1890.

Neither Loyal Christian Benefit Association nor its Medicare supplement insurance policies is connected with or endorsed by the U.S. government or the federal Medicare program.

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Life Insurance with a Conscience since 1890®.

That simple belief is what differentiates Loyal Christian Benefit Association (LCBA) from competitors. Yes, we sell insurance: Funeral Pre-Arrangement Funding Products, Traditional Life Insurance Plans, Tax Deferred Annuities and Medicare Supplement Products. But what makes LCBA different is we operate under the "common bond" of Christianity and return earnings from the sale of financial service products to our member customers and their communities in the form of member benefits, discount programs and scholarship opportunities.

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LCBA


Founded in 1890 LCBA is a unique type of organization that provides the financial protection our members need, with the added benefit of helping those in need. We put our earnings back into communities and causes, not pockets.

Contact


PO Box 13005 | Erie, PA 16514

outreach@lcbalife.org

1.800.234.5222

1.888.382.2716

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