Member Benefit: Best Quote Engine

As of January 30, 2015, the site is providing the best quote engine in the Medicare Supplement business as a free benefit for its members. The quote engine includes all states in the country, and the value is over $100 per month to our member. However, it's included in the regular membership.

This quote engine provides not only the hottest carriers in the market, in real time, but also rate increase history, company earnings and loss ratio information, AM Best rating and more. This can be vital information to help you help your senior client to the facts that will help them save money by making you their client.

This is only one of the benefits available to members, making participation in a “no brainer”, as they say!

Watch this short video clip from the webinar announcement:

It is a very good time to be in the Medicare Supplement market

A new study by the CSG Actuarial folks says that it is a very good time to be in the Medicare Supplement market.

See the study here:

Medicare Supplement – 2014 Forecast

By Doug Feekin on January 31, 2014 —

Now that we’ve put a wrap on 2013, here’s a 2014 Medicare Supplement market forecast from CSG Actuarial. All in all, it is a very good time to be in the Medicare Supplement market. The market is expanding due to the demographics in the United States and the risk issues of the past few years seemed to have settled down. Most companies are realizing additional profits from lower claim trends and attempting to increase market share.

Claim Trends Stay Lower

CSG Actuarial is projecting that overall Medicare and Medicare Supplement claim trends will continue the pattern from the past three years and remain lower in 2014. Along with the overall lower claim trends, Medicare Supplement Plans C and F should experience further dampening of their claim trends due to the Part B Deductible not increasing in 2014.

Lower Claim Trends | Lower Premium Increases

CSG Actuarial is projecting that these lower claim trends will continue to drive lower and/or delayed premium increases. Overall premium rate increases have declined the past three years and we expect 2014 rate increases to be generally in line with the level of increases implemented in 2013.

Plan G

CSG Actuarial is projecting a continued emphasis on Plan G from some of the primary companies in the Medicare Supplement market. In most instances, the premium savings for Plan G versus Plan F is substantially greater than the out of pocket cost of the Part B Deductible and some agents are starting to put more focus on plans other than F.

Sales, Sales, Sales

CSG Actuarial is projecting continued growth in the overall sales in the Medicare Supplement market. Our current estimate for overall 2014 Medicare Supplement annualized new premium sales is between $3.5 and $3.6 billion. CSG Actuarial expects that at least 10 companies will have Medicare Supplement sales greater than $50 million in 2014.

New Market Entrants

CSG Actuarial is projecting an increase of new entrants into the Medicare Supplement market in 2014. The pipeline appears to contain at least 10 and possibly as many as 15 companies attempting to put new Medicare Supplement products on the street in 2014.

About CSG Actuarial

CSG Actuarial is a leading provider of actuarial and competitive information for supplemental products. CSG has more than 50 years of actuarial experience with pricing, product development and competitive intelligence within the Medicare Supplement, Critical Illness, Cancer, Final Expense, and Hospital Indemnity markets. Call 855-861-8776 or email [email protected] to learn more.

(Remember, you can utilize the CSG Quote engine for free using our tools.  See the Tools page.)

Medicare 101 Training

August Medicare Supplement Rate Changes – by CSG

Courtesy of CSG Actuarial:

Medicare Supplement Rate Changes
August 2013

By csg_actuarial on August 1, 2013 — No comments

Effective Date
Average Increase
AFLAC 8/15/2013 10.0% Illinois
American Continental Insurance Company 9/1/2013 8.4% (31.5%) – 15%; Varies by state
Avera Health Plans, Inc. 7/1/2013 -6.2% Iowa
Bankers Fidelity Life Insurance Company 6/1 – 7/1/2013 4.9% 0.0% – 10.2%; Varies by state
Colonial Penn Life Insurance Company 1/1/2013 1.0% (5.7%) – 10%; Varies by state
Continental General Insurance Company 7/1/2013 0.0% Arkansas
Continental Life Insurance Company of Brentwood, Tennessee 9/1/2013 6.0% Rhode Island
EPIC Life Insurance Company 3/1/2013 15.0% Iowa
Everence Association Inc. 4/1/2013 -0.5% (6.9%) – 5.7%; Varies by state
Family Life Insurance Company 8/1/2013 9.0% Nevada
Health Net Life Insurance Company 8/1/2013 -2.8% California
Humana Insurance Company 9/1 – 10/1/2013 3.6% 0.0% – 9.7%; Varies by state
Liberty National Life Insurance Company 1/1 – 7/1/2013 0.9% (14.5%) – 6.1%; Varies by state
Medico Insurance Company 8/1/2013 6.9% 0.0% – 6.9%; Varies by state
New Era Life Insurance Company 9/1/2013 8.2% Texas
New Era Life Insurance Company of the Midwest 9/1/2013 8.3% Texas
Philadelphia American Life Insurance Company 8/1 – 9/1/2013 6.8% 5.0% – 9.0%; Varies by state
Physicians Mutual Insurance Company 6/1/2013 4.8% 0.0% – 9.0%; Varies by state
Regence BlueCross BlueShield of Utah 8/1/2013 -1.3% Utah
Reserve National Insurance Company 5/1 – 6/1/2013 6.5% 3.8% – 16.3%; Varies by state
Royal Neighbors of America 9/1/2013 2.8% (5.0%_ – 5.0%; Varies by state
Sterling Investors Life Insurance Company 9/1/2013 7.0% Georgia
United American Insurance Company 7/1/2013 0.7% California
United Commercial Travelers of America 7/1/2013 9.5% Arizona
USAA Life Insurance Company 4/1/2013 16.8% 3.7% – 23.4%; Varies by state

About CSG Actuarial
CSG monitors senior markets to provide the most up-to-date competitive intelligence in the industry. CSG DataMart™ includes premium rate and underwriting information for more than 200 companies. Call 855-861-8776 or email [email protected] to learn more.

May 3, 2013 Webinar

Topics Covered: Medicare Excess Charges Medicare Overcharge Measure (MOM) CT, MA, MN, NY, OH, PA, RI, VT Plan F and Plan G w/ Excess Charges Medicare Supplement Sales Growth How Medicare Supplement Claims are Paid Click the image to play…


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