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New Era was incorporated in 1924. They are an industry leader in providing quality Medicare supplement insurance. New Era offers Medicare supplement products through a family of companies: New Era Life Insurance Company (NEC), New Era Life Insurance Company of the Midwest (NEMC) and Philadelphia American Life Insurance Company (PALIC).
New Era is online at NewEraLife.com.
New Era (full company name: New Era Life Insurance Companies), has been providing insurance policies since 1924 and has been operating under its current leadership since 1989. As of August 2019, the company CEO was Dr. Bill Chen, and its COO was Mary D. Frazier. According to the company website, New Era’s company philosophy is built around “applying the strengths of both eastern and western cultures.” In 2017 New Era announced that their rating from A.M. Best (a global credit rating agency focused on the insurance industry) had been upgraded from a B+ to a B++.
These are New Era's current products and state availability for 2020, as well as information on contracting and appointment.
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Current as of 05/04/2020
Benefit Features:
Optional Accident Disability Income Rider: $1,000-$2,000
If the primary insured incurs an accident disability, they will pay a monthly disability benefit, beginning the 31st day, up to the period selected (12 or 24 months). Applies only to the Primary Insured and pays up to 60% of their gross income.
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Current as of 05/04/2020
Crisis Recovery Critical Illness provides a lump sum cash benefit directly to the beneficiary on the diagnosis of a covered illness.
Benefit Amount: $10,000 – $50,000 for both Applicant and Spouse, and $10,000 for each Dependent Child.
Category One Benefits:
Category Two Benefits
A benefit percentage will be paid for the first diagnosed illness or procedure in one category of benefits. Should a second diagnosis of a condition or procedure in another category arise, the maximum benefit will be paid again. If a partial benefit is paid, the remainder of the benefit will be payable upon the diagnosis of another covered condition.
Plan is guaranteed renewable. E-enrollment available. Accident Expense Policy, including Accident Expense Optional Benefits, can be coupled with the Critical Illness.
Policy may vary by state.
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Current as of 05/04/2020
PALIC Dental Choice Plus is a hybrid dental insurance plan combining traditional dental insurance with network providers’ discounts.
Standard and Enhanced plans: Calendar Year Maximum Benefit: $1,500 and $2,000.
Orthodontic and Prosthodontics Lifetime Maximum: $1,000 for each type of service.
Vision, Lasik, and Hearing products are discount products that can be included at no extra cost; these services are not insurance.
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Current as of 10/30/2020
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Current as of 05/04/2020
Philadelphia American Life Insurance Company’s (PALIC) GAP plan helps bridge gaps in coverage that may exist in an individual’s current insurance plan by reducing or even eliminating the out-of- pocket expenses associated hospitals and doctor bills. Benefits are based on a fixed dollar amount that you select for the purpose of paying deductibles and co-insurance amounts as well as Emergency Room and Urgent Care Center visits, that beneficiaries or covered family members are required to pay under their Primary Medical Insurance.
Fixed Indemnity Benefits:
Inpatient Hospital Confinement: 1 Unit-6 – Units of $1,000
Outpatient Surgical Services: 1 Unit-6 Units of $500
Emergency Department Indemnity: 1 Unit-6 Units of $100
Urgent Care Center Indemnity: 1 Unit-6 – Units $100
The beneficiary can choose an annual calendar benefit starting as low as $1000 or a maximum benefit of $6,000. Since the GAP plan is based on a fixed benefit the individual will receive the benefit that they have selected regardless of the expenses that are incurred.
In addition to the in-hospital benefit paid, the individual will still have additional annual benefits to help offset their costs for Urgent Care, Emergency Room and Outpatient Surgery.
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Current as of 05/04/2020
PALIC’s Short Term Medical Wrap policy is designed to provide catastrophic coverage for major hospital, medical, and surgical expenses incurred as a result of medically necessary care for a covered sickness or injury during a benefit period.
Issue ages 0 to 64. Coverage is in force only for the Benefit period selected and approved. Coverage ends on last day of the specific period selected. Benefit periods range from 3 months to 364 days.
Maximum Benefit: $250,000/$1,000,000 (with optional Enhancement rider). Deductible per Covered Person (maximum of two deductibles per policy per benefit period): $25,000/$50,000.
Benefit Summary:
Also includes a 10 Day Free Look and E-Enrollment.
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Current as of 05/04/2020
PALIC’s Health Saver Plus Gold Edition Policy offers policyholders a growing number of tools, resources and value-added benefits that are sure to help you navigate through the costly and complex healthcare and marketplace.
Calendar Year Maximum Benefit: $100,000, $250,000 and $1,000,000
Lifetime Maximum of $5,000,000 per policy.
Calendar Year Confinement Deductible: $100, $500, $1,000, $2,500, $5,000, $7,500 and $10,000.
Hospital Indemnity Benefits: (benefit levels are Gold Value, Gold Plus and Gold Preferred)
Professional Services:
Additional Outpatient Benefits: Aggregate Calendar Year Maximum: $4,000 (Value), $6,000 (Plus), and $8,000 (Preferred).
Physician Indemnity; Specialist Physician; Surgery; MRI/PET/CAT Scan or Nuclear Testing; X-rays or Other Diagnostic Testing; Laboratory Indemnity; Injection Indemnity; Emergency Department Indemnity; Urgent Care Center Indemnity; Ambulance Indemnity; Generic/Brand Name Prescription Indemnity; Preventive Care; Mammograms; Colonoscopy Without Finding Polyps; All Other Care Preventative Services
Additional Plan highlights include the following: Telahealth Services and optional Critical Illness Rider or Policy.
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Current as of 05/04/2020
PALIC’s Health Choice Select hospital indemnity offers a Calendar Year Maximum Benefit: $100,000, $250,000 and $1,000,000; and Lifetime Maximum of $5,000,000 per policy. The number of Benefit Units per Policy: 1, 2, and 3. First Day Hospital Confinement Percentage: 100%, 80%, 50% and 20%.
Hospital Indemnity Benefits:
Outpatient Benefits:
Accident, Life, Critical Illness and Dental Riders are optional and may vary by state.
Value-added Benefits include: Teladoc; Healthcare Navigator; ScriptSave and PHCS (PPO Network discounts).
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Current as of 10/30/2020
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Current as of 05/04/2020
New Era NEC, NEMC & PALIC all offer Medicare Supplement insurance. Medicare Supplement Insurance can help pay an individual’s share of some of the following healthcare costs that original Medicare does not pay: Annual deductibles, co-insurance, co-payments, charges in excess of the Medicare approved amount. Benefits vary by plan.
Some information may vary by state. See state-specific information and rates.
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Current as of 05/04/2020
PALIC’s Specified Disease Plan can help individuals protect themselves from costly medical procedures and expenses associated with fighting specified diseases and conditions.
Lifetime Maximum Benefit – $2,000,000
Calendar Year Maximum Benefit – $250,000/$500,000/$1,000,000
Deductible – Per insured person with a maximum of 3 deductibles per calendar year. $100,000/$75,000/$50,000/$25,000
After the deductible, the plan will pay the actual charges up to the usual, customary and reasonable amount for expenses incurred for a covered condition or procedure. Actual charges are defined as the actual amount paid by the individual or any other entity for services, treatment or material rendered.
Covered diseases, conditions and procedures:
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