Medicare – Health – Travel

Medicare Supplement, Medicare Advantage and Part D Rx plan options.  Compare plans, rates and benefits of the appropriate policy for your unique needs.  If you are a Medicare member and looking for a Medicare Supplement or Medicare Advantage plan, or an employer or individual looking for international medical coverage for employees working, studying, traveling or living abroad, feel free to contact me anytime with questions.

Medicare Supplement   –   Medicare Advantage   –   Health   –   Travel Insurance

Medicare Supplement

Medicare Supplement (Medigap) plans such as; Plans G, F, and N, all provide a different level of coverage. There are plenty of plans and companies to choose from when comparing Medicare Supplement or Medicare Advantage coverage.

I’ll be happy to give you the info right over the phone, no obligation.  If you are new to Medicare and just want to have a better understanding of how all of this works, again call and I’ll help explain how the different plans work for your situation.

Medicare Supplement plans can be changed anytime of the year, because they do NOT have “annual open-enrollment periods.”  Simply compare plans, benefits and premiums and complete the enrollment forms to apply.  You also have the “Birthday Rule” which allows you to switch companies on the month of your birthday without answering questions regrading your health history.  The transfer is guaranteed regardless of health status.

Medicare Advantage

Medicare Advantage and Medicare Part D Rx plans have an “annual open enrollment period” which is every October 15 through December 7.  This allows you to change plans or companies for a January 1 effective date.  If you are new to Medicare you have 3 months from your Medicare coverage start date, to enroll in a Medicare Advantage plan which is called the “Initial Enrollment Period.”

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Covered California Health Plans

2018 Covered California health insurance plans for individuals, families and children.  Covered California Exchange plans which are enrolled within Covered California and outside exchange plan.

The upcoming open-enrollment period starts November 1 and ends January 31.  If you change companies or plans before December 15th, the new enrollment takes effect January 1, 2018.

Enroll “On or Off” of the Covered California Exchange … Enrolling Inside the Covered California Exchange is typically for the person or family who qualifies for a subsidy (premium discount) due to their household income (see the chart here).  Individuals and families who do not qualify for a state subsidy, will usually enroll outside of Covered California (the plans are the same) although the application process is much quicker because you don’t have to state your income totals.

Travel Insurance

Medicare and Health Insurance does not go with you when traveling outside the U.S.

Long and Short-Term Travel Medical Insurance designed for persons, working, studying, living and traveling abroad. Quote and enroll today.

International Medical plans for vacations, students, employees, independent contractors and third country nationals, expatriates and global families. Long-term International Travel Medical provides superior access to the best available care coupled with comprehensive medical coverage. Emergency Evacuation is always included.

Plan Types …

DO YOU LIVE OUTSIDE THE U.S. for part of the year?

If so, you may qualify for an International family plan which, for a lower premium, provides permanent global coverage, including the U.S.

The International medical plan typically provides better coverage and better access to doctors and hospitals than an Affordable Care Act (ObamaCare) plan.  Access to the Blue Cross/Blue Shield network across the U.S.

Local, regional and global insurance rules and regulations make your policy choice as important as the coverage itself.  Click here for info

International Medical Coverage for …

Global Families – Employer Groups – Employees – Contractors – Third Country Nationals – International Students, etc.

There are many global risks that need to be addressed.

  • Crisis Management – Who can assist, and who do you contact if you have a serious injury or illness.
  • Kidnapping and extortion of executives and employees, international students, and vacationing family members including children continues to be a growing global trend regardless of where you are.
  • Finding access to quality care, if an emergency strikes.
  • Crisis management – you need a team of experts to intervene and move in to organize your care, coordinate transportation needs and respond to critical issues during an emergency.
  • Group health insurance, Medicare or Workers Compensation do not provide any of these services to you or your family when outside the U.S.

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No Cost Help … I work with nationally recognized insurance companies to give you the quality, affordable insurance you’re looking for. I will never spam you or share you name, email or phone with anyone. Best of all, my assistance is no cost to you.

Please contact me anytime for a free comparison.

John Conner
916-682-1117
John@JohnConner.com

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