Business Details
Your Trusted Partner for Health Insurance Solutions
At Sgic Insurance, we are dedicated to transforming the health insurance experience through innovation and personalized service. Our mission is to provide peace of mind by offering customizable insurance solutions tailored to individual budgets and needs. With a focus on digital accessibility, we ensure 24/7 support through responsive customer service and a user-friendly technology platform. As a rapidly expanding company operating across 28 U.S. states, we prioritize community impact and employee well-being while maintaining financial strength recognized by A.M. Best. Our commitment to disrupting traditional insurance models ensures clients receive modern, transparent, and client-centric coverage options. 
Services
Short Term Medical Insurance
Fixed Indemnity Medical Insurance
Limited Indemnity Medical Insurance
Medicare Supplement Insurance
Critical Illness Insurance
Accident Insurance
AD&D Insurance
Highlights and features
- Innovative insurance products customizable to your budget
- 24x7 customer service available on all devices
- Technology platform simplifying insurance processes
- Committed to community impact and employee well-being
- A.M. Best Financial Strength Rating of B++
Associations and certifications
- A.M. Best
Services
Short Term Medical Insurance
Short Term Medical Insurance provides affordable, flexible coverage for gaps in traditional insurance. Ideal for career transitions, recent graduates, or pre-Medicare retirees, it covers hospitalization, emergency care, and outpatient services. Benefits include customizable deductibles and immediate coverage start options.
Fixed Indemnity Insurance
Fixed Indemnity Insurance offers set cash benefits for covered medical services regardless of actual costs. Policyholders maintain provider choice while gaining financial predictability for hospital stays, surgeries, and preventive care. Benefits can be used flexibly to cover out-of-pocket expenses.
Medicare Supplement Insurance
Medicare Supplement Insurance covers out-of-pocket costs for Medicare-approved services. Standardized plans A-G/N provide guaranteed renewable coverage with no network restrictions. Benefits include Part B coinsurance, skilled nursing facility care, and foreign travel emergency coverage.
Critical Illness Insurance
Critical Illness Insurance provides lump sum payments for qualifying diagnoses like cancer or heart attack. Funds can be used freely to cover medical bills, lost income, or living expenses. Policies offer financial security during treatment periods without usage restrictions.
Accident Insurance
Accident Insurance offers financial protection against unexpected injuries. Coverage includes emergency treatment, hospitalization, and follow-up care expenses. Policyholders receive direct payments for covered incidents, providing security for active individuals and families.
Questions
What types of insurance does Southern Guaranty offer?
We provide short-term medical, fixed indemnity, limited indemnity, Medicare supplement, critical illness, accident, and AD&D insurance policies.
Is Southern Guaranty available in all states?
We currently operate in 28 U.S. states with ongoing expansion. Check our website to verify availability in your specific state.
How do I file a claim with Southern Guaranty?
Submit Medicare claims directly to Medicare. For other claims, send documentation to our Eagan, MN processing center or use electronic submission options.
What makes Southern Guaranty different from other insurers?
Our technology-driven platform, 24/7 customer service, and customizable plans differentiate us. We focus on innovative solutions rather than traditional insurance models.
Does Southern Guaranty have financial stability?
A.M. Best recognizes us with a B++ Financial Strength Rating, demonstrating our commitment to policyholder security and operational stability.
