Are you on Original Medicare and searching for a Medicare Supplement plan? If you’re looking into Globe Life Medicare Supplement insurance, this in-depth review will get you up to speed on what Globe Life offers — and whether their Medigap plans make sense for your needs and budget.
Most people recognize Globe Life from their aggressive life insurance mail campaigns, but their Medicare Supplement (Medigap) offerings remain relatively unknown. We break down the facts so you can avoid costly mistakes and find the best Medicare Supplement plan for you.
History of Globe Life and Their Medicare Supplement Insurance Business
Globe Life was founded in 1951 as a small rural life insurance agency and gradually grew into a national brand, primarily known for direct-to-consumer life insurance sales. While Globe Life has decades of experience selling life insurance, they are newer to the Medicare Supplement insurance market compared to industry leaders like Mutual of Omaha, Aetna, and UnitedHealthcare.
How to Read Globe Life Medicare Supplement Reviews: What You Need to Know
Before diving into Globe Life’s Medicare Supplement plans, here’s a crucial disclaimer: we have no business relationship with Globe Life or their products. This review comes from an independent insurance agency with years of experience in Medicare and Medigap insurance, designed to give you honest, expert insight not insurance company rhetoric.
When comparing Globe Life Medigap plans, always remember:
- Medigap plans are standardized by the federal government into letters — Plan F, Plan G, Plan N, and so on. Don’t compare prices across different plan letters. Always do an apples-to-apples comparison.
- Medigap insurers only pay after Medicare pays its share (about 80% of Medicare-approved expenses). If Medicare denies a claim, no Medigap plan pays anything.
- All Medicare Supplement plans with the same letter offer the same coverage, regardless of carrier. The difference lies in pricing, underwriting, and service.
- Be cautious of “price-buster” insurers with rock-bottom premiums but little track record — these companies often spike rates dramatically after a couple years.
The Rules of Medicare Supplement Plans: Why the Carrier Name Isn’t Everything
One of the biggest misconceptions about Medigap insurance is that the carrier’s name equals better coverage or claims service. Not true. Medicare Supplement plans are federally regulated and standardized, meaning Plan F from Globe Life pays the same benefits as Plan F from Mutual of Omaha or Aetna.
What varies again, is premium cost, underwriting guidelines, and customer support. Lower premiums with an inexperienced or corner cutting insurer might look tempting but could lead to steep rate hikes later. Conversely, very high premiums don’t guarantee better service.
Globe Life Medicare Supplement Plans: What They Offer and Pricing Overview
Globe Life offers seven Medicare Supplement plans in most states: A, B, C, F, HD-F (High Deductible Plan F), HD-G, and N. However, Globe Life does not offer Plan G in many states, which is a major downside since Plan G has become the most popular Medigap plan after Plan F was closed to new Medicare enrollees in 2020.
- High Deductible Plans (HD-F and HD-G) from Globe Life are competitively priced in coastal states like California, New York and Florida, but they require you to pay a high deductible each year you need care ($2,950 for 2026) before supplemental coverage kicks in. Other coastal states have better/more affordable options, beyond the scope of this article.
- Regular Globe Life plans like Plan F, G and Plan N are often significantly more expensive than the same standardized plans from top carriers.
For example, a 70-year-old woman in Kalamazoo, Michigan pays $252.50 per month for Globe Life Plan G, while Aflac charges $132.93 per month for the same exact plan—nearly $1434.84 more per year for identical coverage. Aflac is well known for its excellent claims handling. This one is a “no brainer.”
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Globe Life Medicare Supplement Eligibility and Underwriting
Medicare Supplement eligibility with Globe Life follows standard industry rules:
- During your Medicare Initial Enrollment Period (6 months starting at age 65), you have guaranteed issue rights, meaning no health questions or denials.
- Outside this window, Globe Life underwrites your application by reviewing your medical history, pharmacy records, and MIB data.
- This underwriting process is standard for all Medigap insurers. It can lead to approval, higher premiums, or denial depending on your health.
Major Problems with Globe Life Medicare Supplement Plans
- Globe Life is a relative newcomer to Medicare Supplement insurance in many states around the country, with a small market share. This can lead to volitility in insurance premiums.
- They own United American Insurance Company, known for Medicare Supplement insurance and independent agent support. In several states, Globe Life’s Medigap rates are nearly the same or more expensive.
- Selling directly to consumers, Globe Life removes independent agents, meaning less professional guidance for seniors navigating complicated Medicare choices and lack of customer service support with claims issues that may arise.
- Lack of Plan G availability in many states restricts options for new Medicare beneficiaries.
- High Deductible plans, while affordable, are not ideal for most seniors due to the substantial deductible before benefits kick in.
- In many states, the plans are often priced much higher than top competitors, risking financial strain on fixed incomes.
- Limited sales volume suggests consumers are avoiding Globe Life’s Medicare Supplement plans due to cost and lack of independent agent/broker support.
Direct-to-Consumer vs Independent Agents — Why Guidance Matters
One big difference between Globe Life and most other Medicare Supplement insurers is how their plans are sold.
- Globe Life sells direct to consumer through their sales team. There is no access to independent agents. Your limited to what Globe Life offers.
- Medicare Supplement insurance is complex, and an experienced independent agent can shop multiple carriers, evaulate the stability of each carrier in the market, help with underwriting (assessing who would offer their best rates to you) and provide comparison quotes as needed.
- Independent agents also provide ongoing customer service and claims assistance, which Globe Life’s direct model doesn’t support. Claims issues among other issues become your problem.
Conclusion: Is Globe Life Medicare Supplement Insurance Right for You?
Is there anything particularly special about this carrier? Nope.
If you’re considering Globe Life Medicare Supplement insurance, beware:
- Their premiums maybe much higher than top Medicare Supplement carriers depending where you reside. In some coastal areas such as California, Globe Life And Accident may have some tempting rates in 2025 for the Plan F for the very elderly 80+.
- They lack Plan G in many states, limiting your plan choices.
- Their direct-to-consumer sales model means little access to professional, unbiased advice and real customer support.
- The (HD), High Deductible plans may be a good niche option but requires you to cover thousands in expenses before the plan benefits start. In 2026 that amount is $2950. Viable option and competitive, just be very sure you have the funds set aside for reoccuring years. Plans HD-F and Plan HD-G is for those seniors with a nice nest egg and rainy day funds laid aside.
Our biggest concern about his company’s Medigap offerings is its lack of market share. Globe Life is just being dominated by other carriers. In fairness, the Medigap HD plans are not nearly as popular as a standard Plan N, G or F for that matter. In our experience, “Direct to consumer” business models like this seem to flop in the Medigap market leading to very substantial rate increases in order to sustain itself in the long run.
What do I mean by “flop” exactly?
Some of the best Medigap rates, less than a decade ago are some of the most expensive now. The disparity between pricing for the same plan from company to company can be rather shocking as we’ve shown in this article. None of the “direct to consumer” products fared well in terms of cost of ownership over time. A little caution is warranted here as well. Don’t get stuck with a Medicare supplement plan that is struggling because the market base is not growing. A change in your health for the worst could leave you a hefty rate increase you never expected. Remember, making a change with a Medicare Supplement requires decent health. Rocky health at some point, you may be very frustrated. Unlike Medicare Advantage, you must qualify based on your health for a Medigap policy change.
For most seniors, working with an independent insurance agent who represents all the top carriers is the smarter choice. Experienced advisors can help you find the best company and plan of choice for your health, budget, and state regulations. An insurance company that has a solid market share and excellent reputation for customer service and a solid history of competitive premiums.
Ready to Shop Medicare Supplement Plans?
Medicare can be confusing and expensive in the long run if you don’t choose wisely. If you’re tired of being overcharged and want expert help comparing Globe Life Medicare Supplement insurance to top competitors, consider giving us a call and speak to an advisor at 269-244-3420 .
We’re independent brokers here with years of experience helping seniors nationwide find the best Medicare Supplement coverage without overpaying.
(FAQ) Frequently Asked Questions About Globe Life and Accident
Is Globe Life a good choice for Medicare Supplement insurance?
Globe Life’s Medicare Supplement (Medigap) plans are legitimate but usually more expensive in most states than comparable plans from top carriers like Aflac, Mutual of Omaha, Aetna, AARP United Healthcare or Cigna.
Why should I compare Medicare Supplement plans before buying direct?
Buying directly from a company like Globe Life limits your choices to one carrier’s rates and underwriting rules. Independent Medicare brokers compare multiple companies to find your best rate for the same standardized plan. You’ll also get personalized help with rate increases, billing, and claims—services direct-to-consumer carriers typically don’t offer.
Are Globe Life’s Medicare Supplement plans different from other companies’?
No. Medicare Supplement plans are federally standardized. For example, Plan G from Globe Life provides identical coverage to Plan G from any other insurer—the only difference is the monthly premium and the carrier’s rate stability over time. The smartest approach is comparing prices and rate history side-by-side before enrolling.
What are the risks of choosing a direct-to-consumer Medigap plan?
Direct-to-consumer companies like Globe Life rely heavily on marketing and may not offer unbiased plan comparisons. Without independent guidance, you could end up overpaying or stuck with a carrier that raises rates quickly. Independent brokers can review rate histories and help you switch if your premiums climb.
Can I switch from Globe Life to another Medicare Supplement plan later?
Possibly, but switching after your initial enrollment usually requires medical underwriting. If your health has changed, another insurer could decline your application. That’s why comparing multiple carriers before you buy is the safer long-term move.
What is the Part B deductible for the Globe Medigap plans?
All Medicare Supplement Plans were standardized by Medicare as of 1990. Therefore all insurance companies who offer these policies, require a $283 Part B deductible, for 2026 to be covered as part of outpatient care if you seek outpatient care. Only Medigap Plan C and F will pay the annual Part B deductible for you.
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