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Maximizing Savings: Which Medicare Supplement Companies Offer Household Discounts?

If you're looking for ways to save money on your Medicare Supplement plan, you may want to consider looking at policies that offer a household discount. Medicare Supplement insurance, also known as Medigap plans, is a type of insurance that helps pay for out-of-pocket costs that Original Medicare doesn't cover. While these plans can provide valuable coverage, they can also be expensive, especially if you're insuring multiple people.

A household discount can help offset the cost of Medicare Supplement insurance by offering a reduced premium rate for multiple individuals covered under one policy. This type of discount is often offered by insurance companies as an incentive to couples who want to enroll in the same plan. By taking advantage of this discount, you can save money on your healthcare costs without sacrificing the quality of your coverage.

In this article, we'll take a closer look at which Medicare Supplement in Arizona offer household discounts, what factors to consider when choosing a plan, and why it's important to shop around before making a decision. With the right information, you can find a plan that meets your needs and budget while still providing the coverage you need to stay healthy and secure.

Understanding Household Discounts

A household discount is a type of discount offered by some Medicare Supplement insurance companies that allows multiple individuals to enroll in the same plan for a reduced premium rate. Some insurance companies even give discounts just for living with someone over a certain age. This discount can be a valuable way to save money on your healthcare costs if you have a spouse or other family members who also need coverage. By insuring everyone under the same policy, you can take advantage of lower premium rates and reduce your overall expenses.

The amount of the discount can vary depending on the insurance company and the plan you choose. In general, most companies offer a discount of between 5% and 15% off the premium rate for each person covered under the policy. This can add up to significant savings over time.

It's important to note that not all insurance companies offer household discounts. Before choosing a plan, it's you’ll need to check with individual providers to see if they offer this type of discount and what the eligibility criteria are. Let’s take a closer look at some of the top Medicare Supplement companies that offer household discounts and what their programs entail.

Medicare beneficiary celebrating a household discount

Medicare Supplement Companies that Offer Household Discounts:

Several Medicare Supplement insurance companies offer household discounts to help reduce the cost of coverage for families or couples. Here are some of the top companies that provide this type of discount in Arizona.

  • Accendo: 14%

  • Aetna: 7%

  • Allstate: 7%

  • Anthem: 5%

  • Bankers Life: 9%

  • Cigna: 7%

  • Guarantee Trust Life: 7%

  • Humana: 12%

  • Lumico: 12%

  • Manhattan Life: 7%

  • Medico: 10%

  • Mutual of Omaha: 12%

  • UnitedHealthcare: 7%

It's important to note that the eligibility criteria and discount amounts can vary depending on the insurance company and the plan you choose. While cost is certainly a big factor when choosing your plan, there are other factors you should also consider. 

Considerations When Choosing a Medigap Plan

When selecting a Medicare Supplement plan with a household discount, there are several factors you should consider before choosing your plan. Here are some things to keep in mind:

Price. The cost of the plan is obviously a critical factor. While a household discount can help reduce the cost of coverage, it's still important to compare prices between different plans to ensure you're getting the best deal. Remember, Medigap plans have standardized coverage. Plan G is Plan G, and the benefits remain the same no matter where you buy it.

Eligibility. Not all insurance companies offer household discounts, and the eligibility criteria can vary between providers. Make sure you meet the eligibility requirements before applying for a plan.

Reputation. Finally, it's important to choose a Medicare Supplement provider with a good reputation. Look for companies that have a strong financial rating and a history of providing excellent customer service. Look for plans that are rated an A or B+ by A.M. Best.

If you’d like help shopping for a Medicare Supplement plan in Arizona, call a local Medicare advisor at the Local Medicare Specialists. We know which plans are available in your zip code and which ones will offer you the best household discounts.

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area which are United Healthcare, Aetna, Humana, Cigna, Blue Cross Blue Shield of Arizona, Centene, Devoted, and Scan. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

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