LCBA Medicare Insurance Review & Complaints: Health Insurance (2024)

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The Loyal Christian Benefit Association (LCBA) has a long history of faith-based membership services including supplemental health insurance and financial aid. Their pioneering history makes them stand out among similar organizations.

Update: As of May 2019, LCBA is no longer offering new Medicare Supplement insurance plans. Current customers will still receive coverage.

This LCBA Medicare insurance review will help you to decide if the group is right for you. We’ll look at LCBA Medicare insurance quotes as well as ratings and plan options.

Although you can no longer buy LCBA Medicare insurance, we have other great options. Enter your ZIP code now for fast, free quotes.

About LCBA

Christian fraternal organizations are common, but LCBA stands apart due to the fact that it was founded not by the usual group of men, but by women and for women in a time before women even had the vote. The Ladies Catholic Benevolent Organization was founded in 1890 in Titusville, Pennsylvania in order to provide assistance to women in financial need. The association became the first of its kind – a benefit society for women by women – and was only the second of its kind to be incorporated.

LCBA expanded and grew, reaching nearly 120,000 members by the early 1900s. In 1960 the group decided to open their operations to include male members as well, which resulted in a name change. In order to keep the LCBA acronym, the new name was Loyal Christian Benefit Association.

There are two ways to gain membership in the LCBA – by purchasing one of their products or by joining as an Associate Member at a local branch. LCBA is a Christian organization, but the website does not indicate that any specific religious affiliation is required in order to be a member. Membership comes with a long list of benefits, including newborn, orphan, and bereavement benefits, scholarships, and discount programs.

LCBA sells a variety of insurance and financial services products, including life insurance, funeral pre-planning, and supplemental health insurance products such as Medicare Supplement. They have products available in 35 states and D.C., although product availability varies by state.

Read more: Loyal Christian Benefit Association Insurance Review & Complaints: Medicare & Life Insurance

LCBA Medicare Supplement

Update: These plans are no longer offered.

LCBA offers standardized plans A, F, G, and N. That constitutes less than half of the eleven possible letter-coded plans in the standard list.

Plan A is the base plan that pays for Part A and Part B coinsurance amounts and the first three pints of blood each year. These are considered basic benefits and all insurance companies that write Medicare Supplement insurance have to offer this plan.

Plan F is the full coverage plan – it has the most benefits and pays all of the out of pocket costs associated with Medicare. It also covers you for foreign travel emergency medical care. There is a high deductible version of this plan that makes it more affordable, but LCBA does not list it as an option.

The other two plans fall in between in terms of coverage. Plan N is a budget-friendly option offering lower monthly rates in return for copays on some services; it is often the most affordable plan.

LCBA Medicare Insurance Rates

LCBA has a contact form that can be used to request a rate quote but does not offer rates online. This is not an unusual setup for a faith-based membership society, as the representatives will often wish to discuss membership benefits and options with the potential new member.

Still, we have seen some smaller fraternal societies offer online quoting, and with LCBA’s modern and up-to-date website, a quick quote option seems a logical option to add. It would be beneficial to see them offer it in the future.

Simplified Claim Process at LCBA Medicare Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

LCBA Medicare Insurance offers a simplified and convenient claims process to ensure policyholders can access their benefits with ease. Whether you prefer to file a claim online, over the phone, or through mobile apps, LCBA provides multiple channels to accommodate your needs. This flexibility ensures that you can submit claims in a way that suits your preferences and circumstances.

Average Claim Processing Time

LCBA Medicare Insurance is committed to delivering efficient claim processing. While specific processing times may vary depending on the nature of the claim, LCBA strives to expedite the process to provide policyholders with timely access to their benefits. The average claim processing time reflects their dedication to serving their members promptly.

Customer Feedback on Claim Resolutions and Payouts

LCBA Medicare Insurance values customer feedback and aims to provide satisfactory claim resolutions and payouts. Policyholders’ experiences with the claims process play a crucial role in shaping the company’s commitment to service excellence. Understanding customer feedback can help prospective policyholders gauge the effectiveness of LCBA’s claim resolution and payout procedures.

Explore the Digital and Technological Features of LCBA Medicare Insurance

Mobile App Features and Functionality

LCBA Medicare Insurance offers a user-friendly mobile app equipped with various features and functionalities to enhance the policyholder experience. The app provides convenient access to policy information, claims status, and other essential services. Explore the mobile app’s capabilities to streamline your insurance management.

Online Account Management Capabilities

LCBA Medicare Insurance provides robust online account management capabilities. Policyholders can conveniently access their accounts online to view policy details, update personal information, and manage payments. This digital platform ensures that policyholders have easy and secure access to their insurance information.

Digital Tools and Resources

LCBA Medicare Insurance offers a range of digital tools and resources to assist policyholders in making informed decisions about their coverage. These resources may include calculators, educational materials, and online support. Explore the digital tools and resources available to help you navigate your insurance needs effectively.

LCBA Medicare Insurance Ratings and Consumer Reviews

The LCBA is not rated by the Better Business Bureau (BBB) at the time of this review due to insufficient information to create a rating. There are no complaints and no reviews on the file.

There are a handful of reviews on the company’s Facebook page – 5 to be exact – with an overall 3.7-star rating. Only one of those reviews contains any detailed information, citing refusal to pay out on a policy. The rest are star ratings only without additional information.

There are no red flags in terms of this company’s reputation – complaint volume is low and we found nothing of concern in the reviews.

LCBA Medicare Insurance: The Bottom Line

Without rates, we are unable to comment on the value offered by LCBA, but membership does come with a long list of benefits that add to that value. This company will appeal to those that prefer a faith-based organization with beliefs matching their own, and who are less concerned about rates than they are about the company’s service and values.

Affordable LCBA Medicare insurance is no longer an option, but we can still help you out. Compare rates now using our free quote tool.