This article is for informational purposes only and is not affiliated with or endorsed by Gerber Life Medicare Supplement or any subsidiaries.
Gerber Life Insurance Company, widely known for life insurance products, also offers Medicare Supplement Insurance (Medigap) to help cover the out-of-pocket costs that Original Medicare (Part A and Part B) doesn’t pay. These plans are standardized and regulated, which means they provide the same benefits as other Medigap plans offered by different insurers—but with premiums and availability that can vary by state and provider.
About Gerber Life Insurance Company
Gerber Life is an established insurance provider known for offering simplified insurance products. While its brand is often associated with juvenile life insurance, Gerber Life also provides Medigap plans to eligible Medicare beneficiaries, especially those looking for straightforward, reliable coverage under a recognized name.
What Is Medicare Supplement (Medigap)?
Medicare Supplement Insurance, or Medigap, is private insurance that works alongside Original Medicare. Medigap policies help pay for costs like:
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Deductibles
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Copayments
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Coinsurance
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Emergency care abroad (on certain plans)
Medigap plans are standardized by the government, so if you choose a Medigap Plan N from one carrier, the coverage and benefits you receive would be the same as someone else who selects a Plan N plan from a different carrier.
Medigap plans do not include drug coverage. If you need prescription drug coverage, you must enroll in a separate Part D plan.
Medicare Supplement Plans Offered by Gerber Life
Gerber Life offers a select set of standardized Medigap plans. As with all Medigap carriers, plan availability depends on your state of residence, but the following plans are commonly offered:
Medigap Plan A
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Basic core benefits including hospital and Part B coinsurance
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Does not cover deductibles or skilled nursing
Medigap Plan G
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Comprehensive coverage except for the Part B deductible
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Covers Part B excess charges and foreign travel emergency
Medigap Plan N
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Lower premiums in exchange for copays at doctor and ER visits
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Does not cover Part B excess charges or Part B deductible
Medigap Plan F (For Those Eligible Before 2020)
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Covers all standardized benefits, including both Part A and Part B deductibles
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Not available to those who became eligible for Medicare on or after January 1, 2020
Where Are Gerber Life Medicare Supplement Plans Available?
Gerber Life offers Medicare Supplement plans in select states across the U.S., with variations depending on:
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State-specific Medigap regulations
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Your ZIP code
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Your age, gender, and tobacco use
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Whether you're applying during a guaranteed issue period
Check your state’s Department of Insurance or Gerber Life’s licensed agents for exact plan availability in your area.
How Are Premiums Determined?
Gerber Life, like other Medigap insurers, uses one of three standard pricing models:
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Community-rated – Everyone pays the same regardless of age
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Issue-age-rated – Price based on your age when you first buy the plan
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Attained-age-rated – Premiums increase as you age
Premiums can also be affected by:
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Tobacco use
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Location
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Gender (in some states)
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Household discounts (if applicable)
Final Thoughts on Gerber Life Medigap Plans
Gerber Life offers standardized Medigap plans, and plan availability and pricing may vary state by state, along with age and other factors. It is worth looking into what Medigap plans Gerber Life offers in your area, and how the prices compare to other carriers in your area.
Plans by Gerber Life Medicare Supplement may not be available in all states. MedicareSupplementOptions.com does not offer plans from Gerber Life Medicare Supplement. This page is presented for informational purposes only for consumers to learn basic information about recognized Medicare Supplement Insurance Carriers. This article does not represent any relationship or affiliation with Gerber Life Medicare Supplement.