American Republic
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
|
Written by
Jeffrey Johnson
|
UPDATED: Aug 20, 2020
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Company Overview:
Company History: Founded in 1929 in Iowa. Today: 230,000 active policies.
Principle Sales Methods: Career and independent agents.
Health Business: American Republic Insurance offers a variety of health policies for individuals and families, from Major Medical through Medicare Supplemental.
Special Business: American Republic Insurance offers specialty insurance, such as Medicare Supplemental, Medicare Drug Benefit, Critical Care/Cancer Care and Short-term Medical, plus annuities.
Claims processing fair, but every single claim resulted in a ltr to me saying “this claim will be delayed for internal review.” That said, they still paid faster than United Health Care (finally fined for late payment!!) or BCBS.
Did you find this review helpful? Yes No
High deductible plans along with an HSA are attractive at introduction, but after enrolling in the plan the rates increase substantially every six months. Perscripton discounts for maintenance medications are insufficent for fair reduction of price for namebrand drugs, Example (Liptor).
Did you find this review helpful? Yes No
American Republic has promptly paid claims from the doctors office as well as a hospital stay that I had. They seem to be a great company that actually honors their promises and pay their claims.
Did you find this review helpful? Yes No
How do you know what your getting until you need to use it. There are too many details which are design to confuse the consumer.
Did you find this review helpful? Yes No
I have never dealt with a better company than american republic. They paid $395,000 of a $400,000 bill before I even paid my $5000 deductilbe. OUTSTANDING
Did you find this review helpful? Yes No
Plans are practical and affordable. They have protected me and my finances as well as any company possible can.
Did you find this review helpful? Yes No
My bills were paid before I even got a bill from my doctor!
Did you find this review helpful? Yes No
I am healthy 60 year old male, with no pre-existing conditions, and have submitted no insurance claims, and carry a policy with maximum $10,000 deductible. My monthly premium is jumping up about 20% every six months like clockwork, and in one period jumped 35%. Roughly looking at comparisons, I’m paying possibly double what I should be paying.
Did you find this review helpful? Yes No
I am paying over $500.00 a month for “great” coverage. They have weasled out of paying for everything. Very deceptive and loose wording in the contract, leaving lots of loop holes.
Did you find this review helpful? Yes No
My folks have been with this company for 20 years and recommended it , so I decided to check them out when my renewal with a competitor came up.
The premium was $70.00 less per month and I could lock it in for three years!
My research showed this company has been around since 1929, has never been bought or sold or changed names, and pay their claims on average of 9 days. The switch was a no-brainer.
Did you find this review helpful? Yes No
We were sold a policy which has a high deductible so we could afford it, but when we had to use it and put it to the test, we found out that they pay for very little. Insurance salesman sold us a policy and misrepresented the policy. He also said rates would increase approximately 10% a year. In one years time the policy price has increased From $390 to $557 a month–thats quite a bit more than 10%. Switching from Anthem (we had them for 15 years) to American Republic was one of the worst mistakes we have ever made.
Did you find this review helpful? Yes No
I had an accident at the end of last year and was glad I decided to include the Accident Rider to my policy. Everything was paid under the rider, the emergency room, the X-rays and all the follow-up Dr’s visits – I paid nothing … not one cent! American Republic is great and I now have peace of mind that they will take care of me when I need them for something BIG!
Did you find this review helpful? Yes No
I have a very affordable plan with this company, which means I would normally expect to pay more than most people when I go to the doctor. I recently had to go to urgent care, but it only cost me $40. They also saved me over $200 on 3 prescriptions. I got a Z pack, steroids, and an inhaler that is normally over $100 for less than $35 for all three! I was happy to have this coverage.
Did you find this review helpful? Yes No
$320000 cancer claim American Republic paid every penny,except a $4000 deductible. Claims were paid very fast no question ask. excellent customer service.Have been insured with American Republic over 20 years.
Did you find this review helpful? Yes No
Went to ER for an Accident.
Did not cost me one dime. Plus surgery was paid for 100%
I am very HAPPY with this plan.
Did you find this review helpful? Yes No
The agent took the time to show me a plan that would be best for me. He also delivered the policy in person and went over everything to make sure I knew exactly what the plan covered. I am glad he did. I had accident while hiking and the plan paid every cent of it up front. I cannot tell you how much happier I am after I dumped Anthem and went with American Republic. They have plans for everybody and can be customized a hundred different ways so you can get exactly what you want.
Did you find this review helpful? Yes No
They suck!!!!
Did you find this review helpful? Yes No
I had the flu in November of 2008 and had a 8 day stay in the hospital. My out of pocket was $3000.00 and I had only been with American Republic for 8 mos. My hospital bills were over $27,000.00, they paid all my bill but the $3000.00 I had to pay in like 10 days. I am so gald I had them with all the test I had done to make sure my lungs were ok. I did not know a simple MRI would cost over $3900.00. There is no way with times as hard as they are today I could afford to pay a $27,000.00 bill, thanks American Republic.
Did you find this review helpful? Yes No
I like the way I can pick up the phone and talk to the same person that sold me the insurance and that person takes care of things. No 800# and having to explain the same thing over and over to different people.
Did you find this review helpful? Yes No
The insurance salesman was very patient with me, and discussed all my options. He made me feel comfortable in my decision.
Did you find this review helpful? Yes No
I know from having Assurant and Golden Rule that it is you pay for what you get and I was unhappy with both for the money that I spent what I like about my policy with American Republic is it covers everything unlimited Dr visits for the kids and you only pay the co-pay and yes I pay a little more for a lot more benefits sounds like the people that are mad did not have the Premier plan it is well worth the money for my family.
Did you find this review helpful? Yes No
claims were paid faster than I received the bill that has never happened with any other insurance company I have had. I will keep this insurance for sure for years to come.
Did you find this review helpful? Yes No
great company
Did you find this review helpful? Yes No
on the line with other companies, but awesome with benefits.
Did you find this review helpful? Yes No
they want to raise the premium too high
Did you find this review helpful? Yes No
they are affordable and great to work with.
Did you find this review helpful? Yes No
I like the doc office visits… and my doc says that she gets paid on time.
Did you find this review helpful? Yes No
Very slow to pay claims agent made lots of claims as to how fast they pay it was all a big lie to get your money
Did you find this review helpful? Yes No
This is one of the best Insurance Companies out there. Our agent is extremely helpful, honest and knowledgeable, and is always trying to get us the best coverage for our money. All of our claims have been paid in a timely manner without getting the run around that we have experienced with other insurance companies. I highly recommend American Republic.
Did you find this review helpful? Yes No
Raise mt rate $1000 after first year. I,ve got a $5000 deductible. No claims.
Did you find this review helpful? Yes No
The claims service is excellent. No complaints here. They came through when i needed them.
Did you find this review helpful? Yes No
Excellent Medicare supplement policy. Takes care of everything that Medicare accepts and does it in a timely manner. Have had my policy almost 20 years. Very pleased !
Did you find this review helpful? Yes No
Claims settled very quickly. Agent extremely helpful with claims questions. Very happy with policy other than rate increases.
Did you find this review helpful? Yes No
Do not beleive a thing they tell you. They will lie lie about your payment staying the same on the life insurance policys when you get older they will rise your payment so high.I would not recommend this company to anyone.
Did you find this review helpful? Yes No
Pleased with MediGap Plan F service but company has gone to new voice mail system which is a bit of a pain.
Did you find this review helpful? Yes No