Review of Equichoice Medicare Insurance : Ratings and Reviews

It was in the year 1935 that Equitable started providing optimum health care protection for American seniors. The company was also in the forefront during the implementation of Medicare program in 1965 and has since then led the way in providing health insurance to seniors to cover for all the costs and services not covered by Medicare.

Choice of 3 Medicare supplement insurance plans

Equitable today offers 3 Equichoice Medicare supplement insurance plans- A, F and N with individual benefits and coverage. These plans all come with unlimited lifetime benefits and simplified underwriting.

All the plans are available, and provide immediate coverage without any need of going through a waiting period for the plans. This means all your current health conditions are provided with immediate coverage.

An important feature to mention about Equichoice Medicare insurance is that there are no provider networks to follow. As a policy holder, you have the right to select any specialist, doctor or medical supplier as required.

Renew the policy for as long as required

Equichoice Medicare insurance offers guaranteed renewable policy where you can renew the policy for as long you live, as long as you pay the premium amount on time. Your future health has no effect on the renewing of your policy.

While the premium amount is guaranteed for a year, the premium amount increases after the first year, based on your age. While premium amount does not usually change, you will be notified in advance if there are any changes in the premium amount.

Policy limitations and exclusions

One benefit worth mentioning about Equichoice Medicare insurance policies is that you can try the policy for 30 days, and claim a refund if for any reason, you are not satisfied with the policy. There is thus no worry or risk to your money.

The policy however comes with some limitations and exclusions, like most policies do. The company does not pay for any expenses that are not eligible for Medicare reimbursement. The company also does not pay for expenses you are not covered for in the policy, or lawfully obligated to pay.

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