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GPM Health & Life

A review of GPM’s Medicare Supplement plans.

GPM Health & Life

GPM Health & LifeGPM Health and Life Insurance Company was founded in 1965 as North Coast Life Insurance Company. Based in Spokane, Washington, the company offered traditional cash value life insurance, and annuities, to individuals in the western United States.

In 2010, Government Personnel Mutual Life Insurance Company (GPM Life) recognized an affinity in the products offered and the management of the regional company. Purchase of 100% of the common stock was completed on January 1, 2013. In 2016, the name North Coast Life Insurance Company was changed to GPM Health and Life Insurance Company.

Features of GPM Health & Life
$25 Fee
Offers Household discount of 7% (varies by state)
May apply and get coverage same-day
Nationwide Coverage (any doctor that accepts Medicare)
Cannot be cancelled due to developing health conditions
Unique Value

GPM Health & Life offers a ‘household discount’ of 7% (varies by state, see below). GPM Health & Life’s household discount is unique from other insurance companies in that if you simply live with another person over the age of 60, they give you a discount on your premiums. Most insurance companies require that both you and your spouse have the same insurance company to receive a discount.

Medicare Supplement Plan F & Plan G

Medicare supplement Plan F will no longer be available to new medicare beneficiaries in the year 2020. This means that if you are turning age 65 or becoming eligible for Medicare during or after the year 2020, you will have the ability to purchase other robust plans, such as Plan G. The only difference between benefits for Plan F and Plan G are that on Plan G, the insurance company will not cover your Part B deductible. In other words, you are paying a high premium for a small benefit. You can view a comparison chart of the standardized medicare plans here.

Do You Qualify For the Household Discount?

While most insurance carriers require that a couple applying for a household discount must each hold a medigap policy with that company, GPM Health & Life has different rules that are more favorable to most couples. The chart below explains:

Household Discount Rules States
Rule 1:
– Individuals who reside with a spouse (including civil union/domestic partner) of any
age; or
– Individuals who for the past year have resided with at least one, but no more than
three, other adults who are age 60 or older.
Rule 2:
– Individuals who for the past year have resided with at least one, but no more than
three, other Medicare-eligible adults who own or are issued a Medicare supplement
policy underwritten by GPM Life or GPM Health & Life

Real life examples of how you might qualify for this household discount:

  • A husband retires before his wife, he takes GPM’s medigap while she remains on her employer group medical.
  • A person living with their elderly parent can qualify because the parent is over the age of 60.
  • A woman holds a GPM medigap policy while her partner carriers a medicare advantage plan.
  • A couple both carry a GPM megiap policy.


Many times the annualized premium of Plan F is around $500 more than Plan G. The difference in benefits from Plan F to Plan G is that, Plan G does not cover the 2019 Part B deductible of $185.

Learn more about this carrier by visiting their website: GPMHealthandLife.com

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