Comparing Medicare Supplement rates and plans in your particular State is not as difficult as you may think.  If you are turning 65, I’m sure your kitchen table is three feet high with brochures, pamphlets and marketing material from every Medicare Supplement company in your area.  A good place to start is with websites which provide easy access to rates and plan information to several Medicare Supplement companies which do business in your state.  This will allow you to review the and shorten your list of companies to compare.  So many Medicare beneficiaries simply want to look at the rates for themselves.  They don’t need to, or are not ready to speak with an agent or company rep regarding different Medicare Supplement Plans in their area, county or state.  If you want to look through all of the company brochures which have been mailed to you, be sure to take your time, and make sure the current rates are provides.

This website allows you to click on a company and state, then look for your county or zip code and there is the monthly premium.  I don’t need your name and email address or phone number just so you can look at the rates.  Use this site as a resource, feel free to look around.

• Medicare Supplement Rates

So, when looking for rates in your area, feel free to use this site or any other website which offers easy access to multiple company rates for your review.

Some websites will actually sell your contact info to agents and companies, who will call you several times on the phone trying to sell you a policy.  If you have ever entered your name, email address and phone number onto a website, and received dozens of calls, that is where all the phone calls came from.  The site owner is selling your name to boiler rooms and agencies who call all day long to folks like yourself.

Do a little research for yourself and ask a few questions to narrow down the list of Medicare options for your unique needs.

I’ve had hundreds of Medicare shoppers call me and say; “John, where do I start?”  I’ve had traditional employer health insurance for many years and now that Medicare has started, or about to start, everything seem to have turned upside down.

Step by Step …

• First you need Medicare A (Hospital) and B (Outpatient), before you can enroll into any Medicare plan or Part D Rx coverage.
• Second you need to decide if Medicare by itself is your choice, or to enroll into a Medicare Supplement or Medicare Advantage plan.
• Third, is Medicare Part D Rx coverage.  If you are in a Medicare Supplement, a separate Part D plan will help you pay your prescription costs.  Part D plans never came with Medicare Supplements.  Some Medicare Advantage plans will include the Part D coverage with their medical plan.
• Medicare Part B premium.  There is no getting around paying for this one, only if you are receiving financial assistance from your state.  For most people, the 2012 Medicare Part B premium is $99.

Medicare Supplement Rates …

Most shoppers will first look at what the premium is, then the financial strength and brand name, then lastly, but still very important, how are they going to treat you.  How is their customer service.  Doctors and hospitals are not too concerned with who the insurance company you are with, because Medicare is considered “Primary coverage” which means all claims go to Medicare first, then Medicare notifies the insurance company of their portion they are responsible for.  Also, when seeing a doctor, make sure they accept Medicare.  Some physicians have “opted-out” of the Medicare system and have become “cash-only” doctors.  This number seems to be around 1% from CMS (Center of Medicare and Medicaid Services) studies.

How to Choose …

If you are new to Medicare or are looking to change Medicare Supplement companies, first compare prices in your area.  This will give you a good start as to which companies to consider.  Remember, the coverage is the same regardless of the company offering the plan.  If you are looking at a Plan F, all plan F’s are federally standardized, which means whoever offers a plan F, the coverage is going to be the same across company lines.

Feel free to contact me anytime with questions.

Thanks;

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

Anthem Quick Links …

• Anthem Rates
• Anthem Application
  
• Anthem Extras (Dental – Vision – Silver Sneakers – Foreign Travel Assistance)
• Guarantee Issue Guidelines
• Medicare Part D Rx info
• Under-Age 65 Medicare Supplement info
• Excess Charges (Anthem plans A & N only)
• International Health & Travel Insurance (Medicare does not cover you outside the U.S.  Medicare Supplement coverage outside the U.S. is only for Emergency).

Medicare along with a Medicare Supplement policy will provide you with the best access to care (you can see any doctor in the U.S. who accepts Medicare) along with the most comprehensive care (A Medicare Supplement Plan F provides 100% coverage for Medicare-approved medical care).  You don’t have to worry about physician or hospital networks, if you want to see a doctor and they accept Medicare, make an appointment and go.  It’s that simple.  It doesn’t matter where the doctor is, you can go to physicians anywhere in the U.S., across your town, County, State or U.S.

Why Anthem …

• Anthem Blue Cross has been a provider of health benefit plans for over 60 years, that’s even before Medicare began in 1965.
• Following States: California  -  Colorado  -  Connecticut  -  Georgia  -  Indiana  -  Kentucky  -  Maine  -  Missouri  -  Nevada  -  Ohio  -  Virginia  -  Wisconsin.
• One premium.  Anthem only has one premium for all of their members.  Some companies have a new member premium (which is lower) along with an existing member premium (which is higher).  Personally, I like ‘one’ premium because it is less misleading.  As a member you always know what the rate is.
• Plans: A, F, High Deductible F and G.

Rx Coverage …

I recommend the Medicare Part D Rx coverage to everyone I speak with, because if you don’t sign up during Open-Enrollment, if something happens to you, either an illness or accident and your doctor prescribes expensive medicines, you won’t be able to enroll in a Part D plan until the next January 1st.

 Enrolling is Easy …

Print the appropriate application, or I can send one to you, once complete fax it to 800-995-9913 or scan and email it back.  I’ll do the rest to make sure the process is quick and accurate.

Please feel free to contact me anytime with questions.

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Medicare Supplement Rates   -   Dental   -   Medicare PPO

• Medicare Supplement Rates

The true benefit of this option is if a person is dealing with current, or pre-existing conditions where a Medicare Supplement company can deny the enrollment of an applicant, this allows you to move to another company guaranteed.  You don’t even have to answer any health or prescription questions on the enrollment form.  So, now there is no excuse to stay with a company who doesn’t treat you well, or one who’s rates have become uncompetitive.

Step 1 …

The month before your birthday,compare the different rates in your area, or contact me and I can tell you what the different companies offer.

Step 2 …

Once you have narrowed down your search, make sure the company is financially sound and provides good customer service.  I can give you a ‘heads up” on these, or talk to friends and relatives who they have.

Step 3 …

Enroll in your company of choice.  I can email or mail you the enrollment form, remember you don’t have to answer any of the health questions, and fax or scan & email it back to me with proof you currently have a Medicare Supplement plan in place.  I’ll do the rest to make sure the enrollment process is quick and easy, with the effective date you are requesting.

Only in California …

The “Birthday-Rule is only available in California.  The only other state which offers any type of open-enrollments for Medicare Supplement members is Missouri, which allows their Medicare Supplement members to switch companies during their “Aniversary-Date” month.  Californian’s need to take advantage of this great option and exercise their rights to switch companies.  I speak to far too many seniors who have never heard of the Birthday-Rule or how it can benefit them.

If you live in California or are moving to California and have a Medicare Supplement plan in place, I would advise you to at least look into your options a month or two before your next birthday.  you may be surprised how much you can save by simply moving to a different company who offers the same plan.

Please feel free to use this website or contact me anytime with questions.

Thank you

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone

Medicare Supplement Rates   -   Dental   -   Anthem Medicare PPO

The benefits in each package will roll up into one overall premium, and you will receive one ID card for all services.

• Brochure
• Application
• Dentist Search

Dental …

• Annual Maximum Benefit Options – $500, $1,000 or $1,250 depending on the plan you choose.
• Annual Deductible – $0 to $50
• Network of Dentists – Dental Blue 100 network – check for Dentists here: www.Anthem.com.
• Routine Cleanings, X-Rays – 100% covered when using a participating dentist (2 cleanings per year).
• Fillings – 80% coverage (Premium & Premium Plus packages.
• Endodontics – Root canasl, Oral surgery & Simple tooth extractions – 50% coverage (Premium & Premium Plus packages).
• Prosthodontics – Crowns, Dentures, Bridges – 50% coverage (Premium Plus package only).

Vision …

• Vision Exam – $10 to $20 copay (in-network providers only).
• Eyeglass Frames – You pay excess of $100.  20% discount applies to the balance over $100.
• Eyeglass Lenses – $10 to $20 copay (standard plastic single vision, bifocal or trifocal lenses).
• Contact Lenses – Conventional lenses ($80 allowance then 15% off the remaining balance) Disposable: $80 allowance, Non elective lenses (covered in full).

Travel Assistance …

What would happen if you got sick in another country?  Who would you call if you couldn’t speak the native language?  With Travel Assistance, you’ll get extended service 24 hours a day, seven days a week, no matter where you are abroad.  If you have an emergency medical situation while traveling abroad, simply call our assistance coordination line from any country to:

• Coordinate and pay for medical evacuation to the nearest appropriate treatment facility or back home when medically necessary.
• Schedule a bedside visit for a family member or friend if you are hospitalized for more than seven days, or if you are in critical condition.
• Access health-related travel planning information and receive assistance in replacing lost prescription medications or contact lenses while traveling, and much more!

Silver Sneakers Fitness Program …

SilverSneakers offers physical activity, health education and social events designed just for Medicare-eligible members like you.  You’ll have access to the following valuable services:

• Fitness – Enjoy basic membership at a participating SilverSneakers location.
• Fun – Participate in SilverSneakers classes, which are designed exclusively for older adults who want to improve their strength, flexibility, balance and endurance.
• Friends – Meet new friends while you exercise.
• Convenience – Each SilverSneakers location has a Program Adviser to assist you with enrolling and meeting your health goals.  You can use any of more than 11,000 locations across the nation that offer the SilverSneakers Fitness Program.  So if on vacation, see if a location will be near you.
• Find a Location – www.silversneakers.com

Monthly Cost …

• Standard Package – $20
• Premium Package – $40
• Premium Plus Package – $50
• Premium Plus “Dental-Only” – $36

Anthem Extras Missouri …

• Brochure
• Application
• Dentist Search

Anthem States …

California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Missouri, Nevada, New York, Ohio, Virginia and Wisconsin.

• Anthem Medicare Supplement Rates and Info

Enroll …

To enroll simply print the appropriate application and fax to: 800-995-9913 or scan and email to: john@johnconner.com.

Please feel free to call anytime with questions.

John Conner
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Health Net Rates – Eff: 7/2012

Health Net Medicare Supplement is coverage under Medicare standardized supplement plans that offer economical basic benefits, plus additional benefits such as skilled nursing coinsurance, foreign travel and extended hospital days, depending on which plan you choose.

• Application
• Bank Draft Form

Health Net Medicare Supplement plans offer the following plans: A, C, F, High Deductible F, and G.  Plan A covers only basic benefits, Plans C, F and G offer basic and extra benefits.  It is important to note that none of these Health Net Medicare Supplement plans offer Prescription Drug Benefits.  To obtain Prescription Drug Benefits you should consider enrolling in a separate Part D drug plan, like Health Net Orange, Health Net’s Prescription Drug Plan.

Other Company Rates …

• Anthem Blue Cross
• Blue Shield
• Sentinal Security
• Gerber Life
• Mutual of Omaha
• Family Life

Health Net Medicare Supplement plans have a 30 day right to return the Medicare Supplement plan policy.  If you find you are not satisfied with your Health Net Medicare Supplement plan, you may return it.  If you send the Medicare Supplement plan policy back within 30 days after you receive it, we will treat the Contract as if it had never been issued and return all of your premiums.

Questions?  Call Today – 800-700-1246

Health Net Medicare Supplement Rates 2012

.

Health Net  -  Dental & Vision

Health Net Medicare Supplement plans provides options to enhance your basic medical coverage with two optional supplemental benefits packages.  These packages are available for a monthly fee in addition to your medical plan and Medicare Part B premiums:

Optional Package #1  -  Standard PPO Dental and Vision …

Dental

• $27 monthly premium
• $1,000 annual plan max coverage with $25 annual deductible.
• Preventive Services  -  no charge.
• Basic Services (fillings)  -  80% coverage.
• Major Services (root canal, crowns etc)  -  50% coverage.

Vision

• Exam  -  $10 copay.
• Contact Lens  -  $0 copay.
• Frame and lens  -  $100 allowance.
• Exams every 12 months, frame & lenses every 24 months.

Optional Package #2  -  Enhanced PPO Dental and Vision …

Dental

• $41 monthly premium.
• $1,250 annual plan coverage max, with a $25 annual deductible.
• Preventive services  -  no charge.
• Basic services  (fillings)  -  80% coverage.
• Major Services (root canal, crowns etc.)  -  50% coverage.

Vision

• Exams  -  $10 copay.
• Contact lens  -  $0 copay.
• Frame and lens  -  $250 allowance.
• Exams every 12 months, frames & lenses every 24 months.

Enrollment in the Optional Packages:  In order to enroll in and Optional Supplemental Benefits Package, you must enroll in or be enrolled in a Health Net Medicare Supplement Plan and reside in the state of California.

• Optional Benefits Package – Brochure
• Optional Benefits Package – Application

Medicare Part D Rx Plans …

Medicare Supplement plans do not include prescription service.  You will need to look into a Medicare Part D Rx plan for your prescription needs.  All Part D plans are administered by Insurance companies.  The monthly premium range is usually between $15 – $50 depending on your medications.  A good place to start your comparison is; www.Medicare.gov, you can input your prescription list and the site will show all of the available Part D plans in your ares.  Or, you can call me and I can do that for you, and get rid of most of the unimportant information.

Please feel free to call anytime with your questions.  I’m here to help.

Need Help or have Questions?

John Conner
Your Medicare Supplement Resource
www.JohnConner.com
john@johnconner.com
800-700-1246 – office
800-995-9913 – fax

4 Great Reasons to Choose Anthem…

1. Over a 5 to 7 year period Anthem typically has the most stable premiums.
2. Easy access.  Their customer service line it very easy to talk to a person, not an “automated attendant.”
3. Great history – Anthem Blue Cross has been a provider of health benefit plans for over 60 years, that’s even before Medicare began in 1965.
4. Optional Dental, Vision, Silver Sneakers and Travel Assistance with Anthem Extras.

5 Medicare Supplement Plans …

Plans; A, G, F, High Deductible F and N.  All offering a different level of coverage.

• Anthem Application – Missouri

Once you have a Medicare Supplement policy, it cannot be changed except to coincide with changes to Medicare’s deductibles, coinsurance and copayments.  For example, if your policy pays the Part A deductible, each year as the Part A deductible increases, your policy will pay the increased deducible amount.

Anthem Medicare Preferred Core PPO …

• Print Application
• Benefit Brochure
• Find a Doctor

(In-Network benefit Outline): For complete In-Network & Out of Network benefits please see the Plan Outline.

• $0 Premium Plan and includes Medicare Part D Rx coverage.
• Doctor / Specialist visit  -  $0 / $45.
• Hospital  -  Days 1-7 = $205 per day.  Days 8-90 = $0.
• Skilled Nursing Facility (SNF)  -  Days 1-20 = $0.  Days 21-100 = $146 per day.
• Outpatient Services & Surgery  -  $0 – $200 copay.
• X-Ray  -  $105.
• Lab Services  -  $0.
• Chiropractic  -  $20 for each Medicare covered visit.
• Preventive  -  $0 copay for all preventive services covered under Original Medicare: – Abdominal Aortic Aneurysm Screening – Bone Mass Measurement – Cardiovascular Screening – Cervical and Vaginal Cancer Screening – Colorectal Cancer Screening – Diabetes Screening – Influenza Vaccine – Hepatitis B Vaccine – HIV Screening – Breast Cancer Screening – Medical Nutrition Therapy Services – Personalized Prevention Plan Services – Pneumococcal Vaccine – Prostate Cancer Screening – Smoking Cessation – Welcome to Medicare Physical Exam.
• Emergency Care  -  $65.
• Outpatient Rehap Services  -  $50 copay for Medicare-covered Occupational, Physical and Speech/Language Therapy visits.
• Durable Medical Equipment  -  20%.
• Diabetes Monitoring and Supplies  -  $0 copay for Diabetes monitoring supplies. $0 copay for Therapeutic shoes or inserts.
• Diagnostic Tests, Lab, X-Ray & Radiology  -  $105 to $150 copay for Medicare-covered diagnostic radiology services (not including X-rays). 20% of the cost for Medicare-covered therapeutic radiology services.

Anthem Extras …

Dental  -  Vision  -  Silver Sneakers  -  Foreign Travel

With Anthem Medicare Supplement policies you are able to enroll in one the three “Optional Packages” called Anthem Extras.

• Anthem Extras Application
• Anthem Extras Brochure

You can choose “Dental-Only” (Premium Plus Dental-Only = $36) or “Standard Package” ($20), “Premium Package” ($40) and the “Premium Plus Package” ($50).  Click the “brochure link” above for more details.

Enrolling in any of these plans is easy …

1. Print and complete the appropriate application.
2. When finished simply fax or scan & email the completed app back to me.
3. I’ll do the rest to make sure your enrollment is done quickly and accurately.

I’m sure you will have questions, so please feel free to contact me anytime.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Anthem Extras Brochure for Colorado
• Anthem Extras Application – Colorado
• Search for Dentists
  

Dental

Considering that more than 90% of all systemic diseases produce oral signs and symptoms, it’s important for you to have dental benefits that can help impact your overall health.  With the Anthem Extras Packages, you have:

• Coverage for diagnostic and preventive care (more benefits available, depending on the package).
• Access to more than 65,000 dentists and specialist locations across the country.
• Freedom to see any dentist they choose, and enjoy extra savings when they visit participating dentists.
• Access to emergency dental services while traveling nearly anywhere in the world.

And some more good news … if you only need dental coverage, the Premium Plus dental plan can be offered on a stand-along basis.

Vision

Regular eye exams can often help detect, early on, some major health conditions like diabetes and cardiovascular disease.  And early detection can mean lower health care costs, and – most importantly – Having vision coverage through our Extras Pages gives your clients benefits including:

• Eye exams, as well as allowances for eyeglass frames and lenses and contact lenses and more.
• Access to more than 50,000 eye care providers and provider locations nationwide.
• Additional savings of 15%-40% for non-covered materials such as extra pairs of eye wear.

Additional Programs

• SilverSneakers Fitness Program offers physical activity, health education and social events, designed for Medicare-eligible members, in more than 11,000 locations nationwide.
• Travel Assistance Assistance includes assistance if you have an emergency medical situation, losses or exhausts prescription medication or loses eyeglasses while traveling abroad.
• Member Assistance Program provides access to licensed counselors, care managers, attorneys and financial advisors.

Benefits At-A-Glance:

• Anthem Extras Brochure – Colorado
• Anthem Extras Application – Colorado
• Search for Dentists
  

Interested in ‘Dental-Only’ Coverage?

Good News.  Anthem Blue Cross of Colorado has a Premium Plus Dental plan, which is part of the Premium Plus Package, can be purchased on a stand-along basis.

How to Enroll …

Simply complete and sign the application and either fax or scan & email back to me, I’ll do the rest to make sure the enrollment process is quick and accurate, with the effective date you require.

Please feel free to call anytime, I will be happy to answer all of your questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Rates
• Application
  

Remember to take advantage of the six month “Initial Open Enrollment period.“  This allows any Medicare beneficiary the opportunity to enroll in any Medicare Supplement, Medicare Advantage and Medicare Part D Rx plan at anytime after their Medicare B start for up to 6 months.  Plans typically start the first of the month after submitting your application.  If you wait longer than 6 month for a Medicare Supplement, you can still enroll, although you must answer the health questions on the application.  The Medicare Advantage and Medicare Part D Rx plans, if you wait longer than 6 months, you will have to wait until the next open enrollment period which is typically in November and December for a January 1 effective date.

Anthem Ohio offers Medigap plans A, F, High Deductible F, G and N.

Anthem is in the following States:

California  -  Colorado  -  Connecticut  -  Georgia  -  Indiana  -  Kentucky  -  Maine  -  Missouri  -  Nevada  -  Ohio  -  Virginia  -  Wisconsin.

One Rate …

Anthem has only one monthly premium at a time.  While some other companies will have a “New Customer Rate” along with a “Current Member Rate.”  I believe the single rate which Anthem has is a better rating system because all of their advertising is showing the ‘one’ rate and not hiding behind the lower “new customer” rate while placing their current members on a higher rate.

Columbus, Cleveland, Cincinnati, Toledo, Akron and all the other great cities of Ohio have access to Anthem’s great Medicare Supplement rates.  Also available are Anthem Extra’s “Dental & Vision” packages for any Anthem Medicare Supplement member.  Also available is their stand alone Dental plan which can be enrolled in at any time even without a Medicare Supplement in place.

Anthem Extras  -  Dental – Vision – Silver Sneakers …

• Anthem Extras Brochure – Dental / Vision
• Anthem Extras Application

Compare other Medicare Supplement companies:  Mutual of Omaha  -  Gerber  -  Forethought  -  Family Life  -  Anthem

Enroll Today it’s Easy …

Enrolling in an Anthem Medicare Supplement plan is quick and easy.  Simply complete the enrollment form.  Once completed please fax, or scan & email it back to me, and I’ll do the rest to make sure the process is quick and accurate,  and you receive your requested effective date.

Please feel free to call anytime, I will be happy to answer all of your questions.

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Our mission is to serve the international education community with the best health insurance benefits and services.

Why HTH Worldwide …

HTH is an innovator and leader in helping students, educators and other world travelers gain access to quality healthcare services all around the globe.  HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet and mobile applications and wide experience in international health insurance to ensure students health, safety and peace of mind.

• Quick Quote & Apply On-line – International Student Plans & Rates.  Or call: 1-916-682-1117
• Brochure & Application – International Student
• Brochure & Application – U.S. Student Traveling Abroad

Strength of a U.S. Regulated Insurer …

HTH health plans are underwritten by A rated insurance companies licensed by state departments of insurance as “admitted carriers.”

“HTH has been incredibly helpful with expediting treatment of our students studying in Mexico.  They are constantly communicating with me and answer all of my questions almost as soon as I send an email.  The students have also benefited.  With HTH Worldwide they feel more comfortable seeking treatment since the doctors are screened, and there’s no upfront payment.  I have been very impressed with HTH.”

Stephany
Study Abroad Advisor

• Quick Quote & Apply On-line – International Student Plans & Rates.  Or call: 1-916-682-1117
• Brochure & Application – International Student
• Brochure & Application – U.S. Student Traveling Abroad

Emergency Evacuation and Centers of Excellence …

HTH coordinates emergency services with a worldwide network of Physician Advisors as well as air ambulance operators selected for their safety records.  Members in need of life-saving medical intervention are treated in Centers of Excellence in the U.S. and around the world.

For International Students in the U.S., health insurance isn’t enough!  Our core strength is service.  HTH believes that students should pursue their education free from worry about their health and that their advisors should be free from burdensome administrative chores.

J-1 & J-2 Visa …

In most situations all J-1 and J-2 (dependents) visa’s must include health insurance.  HTH Worldwide provides Health Insurance options and benefit flexibility to meet your unique needs.

All HTH Worldwide insurance plans include convenient access to HTH’s Global Health and Safety Services online and via handheld mobile devices.

Translate Medical Terms …

Students can use HTH’s mPassportSM service to translate terms, phrases and brand-name medications right from your mobile phone.  mPassport also helps find emergency services and qualified doctors all around the world and displays their health plan identification card on their mobile phone.

• Students have access to a nationwide network of over 700,000 preferred doctors, including more than 4,000 hospitals.
• HTH maintains a toll-free call center to assist students with everything from routine requests to medical emergencies.
• Students look up plan benefits and the status of a claim online.

Plans for Students abroad …

• Cashless access to top medical care.
• Pre-existing conditions covered.
• No deductible.
• Emergency medical evacuation.
• Political evacuation services.

Plans for International Students in the U.S.

• Choice of benefit levels with no or low deductibles.
• Dependent coverage available.
• Maternity and newborn care.
• Optional dental, vision and prescription drug coverage.
• Coverage for emergency medical evacuation and repatriation.
• Exceeds J visa requirements.

Convenient tools for Advisors …

• Electronic rosters for easy enrollment, tracking and management
• Online access to reports, transactions and plan specific information.
• Downloadable claim forms and student ID cards.

Plans for Faculty and Administration …

• Supplemental health benefits for international travelers.
• Includes all HTH Global Health and Safety Services.

Please feel free to contact me anytime with questions.

Need Help or Have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
916-682-1117 – phone
916-258-0296 – fax

Forethought Rates in the following States …

Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Minnesota, Mississippi, Nebraska, Nevada, North Carolina, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia.

Forethought Medicare Supplement plans offered in the above states are: Plans A, C, F, G and N.  Plan F is the most comprehensive of all Medicare Supplement plan currently available.  With Plan F, you will see no out of pocket co-pays, co-insurance or deductibles when you visit a Medicare approved doctor or hospital.

Compare Forethought …

If you are new to Medicare or shopping for a Medicare Supplement plan be sure to include Forethought with comparing rates of other companies.  Simply click on your state above to view the most current rates.

Medicare Part D Rx Plans …

You will also need to enroll in a Medicare Part D Rx plan to cover your prescriptions.  Part D plans are not included with your Medicare Supplement plan and need to be purchased separately.  I can show you to top three plans in your county, or you can enter your prescriptions in www.medicare.gov to view them.

Medicare …

• Medicare Part A (Hospital) You are responsible for the $1,156.00 “Benefit Period” deductible.  This is not an annual deductible.  The benefit period is every 60 days, meaning you may be responsible for this Part A deductible several times within a year.
• Medicare Part B (Outpatient) $140.00 annual outpatient deductible.
• Medicare Part B (Outpatient) Co-insurance – Once you have satisfied the Part B deductible of $140, you are responsible for 20% of all outpatient costs which are not covered by Medicare.

Applying is Easy …

Medicare Parts A and B are needed before you can apply for a Medicare Supplement or Part D Rx plan.  Once your Part B coverage is in force you will have 6 months from the Part B start date to enroll in a Medicare Plan.  This 6-month period is called the “Initial Enrollment Period.”  If you are on an Employer Group Health Insurance Plan and are past your Initial Enrollment period, you still granted 63 days from the end of your Group Health plan to enroll guaranteed-issue.

To enroll, I can either email, fax or mail the appropriate state application to you, then simply fax it back to me at; 800-995-9913, and I’ll make sure you receive the requested effective date, and the application process is quick and correct.

Other Medicare Supplement Companies …

Anthem Blue Cross -  Mutual of Omaha -  Gerber -  Family Life -  Blue Shield -  Health Net

Please feel free to contact me anytime with your questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Are you a U.S. student traveling to China for a semester or for the entire school year?  Or, are you a Chinese student traveling to the U.S. for education?  If so you will need to look into an International Health insurance policy which will cover you regardless of where you are for your medical expenses if in an accident or become ill while outside your country of residence.

To protect against unforeseen events that could result in long-term financial hardship, Seven Corners has established a medical travel insurance program to fit the needs of international students, teachers and faculty.

• Quick Quote – International Student Travel Insurance

Many people falsely believe that their existing American health insurance policy will cover them worldwide.  This is not usually the case.  Confirm what coverage, if any, your current insurer provides in China.  Likewise for a person coming to America from another country, in most situations you will need an International/Travel health policy in place when you arrive to the U.S.

Whether you are a foreign national studying in the United States for several years or a U.S. citizen studying abroad, ‘Seven Corners’ is designed to protect you during your time away from home.

Why Choose Seven Corners …

• Seven Corners has been providing international medical and travel insurance to citizens of all countries since 1993.
• Student Plans and benefits are specifically designed and priced for international students.
• 24 Hour Assistance Service is ready to assist in locating proper medical care when you are traveling away from home.

Coverage Period …

5 days up to 12 months.  Additional coverage time is available, see “Continuing Coverage” section in the brochure.

Emergency Evacuation …

Emergency Medical Evacuation or Repatriation means: a) your medical condition warrants immediate transportation from the place where you are located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility, your medical condition warrants transportation with a qualified medical attendant to your Home Country to obtain further medical treatment or to recover; or c) both a) and b) above.

Great Service …

Working in multiple time zones, languages and with numerous currencies are not obstacles for us.  We maintain an international staff for our international client base.  Our claims specialists and multilingual customer service professionals work seamlessly with you in order to communicate without any issues.

U.S. Provider Network (U.S. Citizens traveling Abroad) …

Seven Corners has access to over 12,000 doctors and hospitals worldwide.  With one phone call, we can assist you in locating a physician in order to receive the care you need.  Additionally, Seven Corners Assist is trained to reach outside of our network in order to locate the care you need as quickly as possible.

International Network (Foreign Nationals visiting the U.S. …

When you are in the United States, you have the ability to use any medical provider / facility of your choice.  Seven Corners Assist does, however have a list of recommended providers / facilities for you to use.

• International Student Health Insurance Quote

Enrollment is Easy …

View Quotes, Enroll Online or print an application.

• Enroll Online
• Print Application  (fax applications to: 916-258-0296, or email to: john@johnconner.com)

Please feel free to contact me anytime.  I will be happy to answer all of your questions.

Need Help or Have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
916-682-1117 – phone
916-258-0296 – fax

Medicare Part B …

Part B helps cover medically necessary services like doctor visits, outpatient care, medical equipment, ambulance, lab and X-rat services, home health services along with other services including preventive care services.  Medicare Part A is for “inpatient hospital” charges.  There are also some prescription services available for people using immunosuppresant drugs, some anti-cancer drugs, and anit-emetic drugs, some dialysis and physician-administered drugs that persons do not usually administer themselves at home.

Quick Links …

• Medicare Supplement Rates.
• Medicare Part D Rx info.
• Guaranteed-Issue Guidelines.
• Under-Age 65 Medicare Supplement.
• Medicare Part B “Excess Charges.”

How do I get Medicare Part B?

If you receive benefits from Social Security or Rail Road Retirees, you most likely will automatically receive the Part B benefits when you turn 65.  If you are under age 65 and on Disability benefits from Social Security, your Medicare B should automatically start on the 25th month after your Disability benefits start.  If you have ALS, also called Lou Gehrig’s disease, you automatically receive Part B the month your disability benefits start.

If you are not sure if Medicare Part B will start automatically, you will want to call the Social Security Administration at: 800-772-1213.  If you are not automatically enrolled in Medicare B, they will send you the enrollment forms.

When does it start?

For most of us the Medicare Part B starts during our “Initial Enrollment Period” which is typically when we turn 65.  Or, during what is called the “Special Enrollment Period.”  This is when you are covered by an employer health insurance plan (you and or your spouse) and you choose not to enroll in Medicare B until a later date when your employer plan is no longer in place.  When your employer plan ends, you have 63 days to enroll in Medicare B and a Medicare Supplement, Medicare Advantage and or a Medicare Part D Rx plan.

What does it cost?

For 2012, the Medicare Part B fee is $99.90 per month for most people.

If you have a higher income (over $85,000 or household income over $170,000, you must pay a higher monthly Medicare Part B premium.  The fee will vary depending on your income; from $139.90 to a maximum of $319.70.  Also, there may be a a higher income adjustment fee that will be added to your monthly costs.  These range from $11.60 to $66.40.

Please feel free to call anytime for more information.  I will be happy to answer all of your questions.

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

Rates …

• Anthem California
• Anthem “All Other States”

Most areas of Los Angeles will be the same, although certain parts of the County may provide a different rate.  Below are the Major Areas of Los Angeles County:

• East: Eastside, San Gabriel Valley, Pomona Valley
• West: Westside, Beach Cities
• South: South Bay, Palos Verdes Penninsula, South Los Angeles, Gateway Cities
• North: San Fernando Valley, Conejo Valley, Antelope Valley, Santa Clarita Valley
• Central: Downtown Los Angeles, Mid Wilshire

Anthem Noise …

There has been some bad press regarding Anthem last year.  The vast majority was in regards to their “under-age 65″ individual and family plans.  I believe Anthem could have handled the situation better in the press but when it comes to rates a major insurer like Anthem will always be in the spotlight.  Anthem’s Senior plans (Medicare Supplement) have always been very stable when it comes to rates in California along with their other States.  Plus if a California Medicare Supplement company falls out of favor with you, simply use the “Birthday Rule” and move to a different company on the month of your birthday.

Other Anthem States …

California  -  Colorado  -  Connecticut  -  Georgia  -  Indiana  -  Kentucky  -  Maine  -  Missouri  -  Nevada  -  New Hampshire  -  New York  -  Ohio  -  Virginia  -  Wisconsin

• View all Rates Here
• Print Enrollment Form

Whether you live in Santa Monica, Burbank, San Fernando Valley or any other part of Los Angeles County, give Anthem Medicare Supplement plans a try.  Anthem is very easy to work with.  Their member services make changes quickly and accurately when requested.  New enrollments usually only take a couple weeks to process your application and mail the new ID card and policy.  They have optional Dental, Vision and Silver Sneakers plans to fit your needs.  And their rates are some of the lowest available.

Anthem Medicare Preferred PPO  ($0 Premium PPO) …

Anthem also has a $0 cost Medicare PPO plan which includes the Medicare Part D Rx plan for no additional cost.  You can read all about it here.

Anthem Extras – Dental, Vision, Silver Sneakers …

• Brochure & Rates
• Application

Feel free to contact me anytime, I will be happy to answer all of your questions.

Need Help or Have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Anthem Rates
• Application

Plan F …

Being the most popular simply because it covers 100% of all Medicare-approved claims and services.  When you see a doctor or are admitted into a hospital you will not have any medical out of pocket expenses.

Plan G …

Plan G is identical to Plan F except with Plan G you will need to satisfy the Medicare Part B (outpatient) deductible of $140.  Once this deductible is satisfied your plan will pick all expenses Medicare does not pay for.

Plan N …

Plan N is relatively new.  Introduces June 2010, Plan N has been a very popular Medicare Supplement for Medicare members looking to save on their Medigap premiums.  The way Plan N works is; you will need to satisfy the Medicare Part B deductible of $140 (just like Plan G).  Medicare Part B “Excess Charges” are also your responsibility, you can better understand how Excess Charges work by clicking here.  Finally with Plan N you will have a doctor visit co-payment of 20% with the maximum amount being $20, and a $50 copay for emergency visits.

• Anthem Extras Brochure (Dental – Vision – Travel Assistance – Silver Sneakers
• Extra’s Application – Anthem Extras NV

High Deductible Plan F …

Just like the original Plan F, except with the High Deductible Plan F you will first need to satisfy a $2,070 annual deductible before any insurance or medicare benefits start.  Once the deductible has been met you will have 100% coverage for the balance of the year.

Anthem is a financially strong company, with rates that are usually competitive depending on the State and County you reside, they are also very easy to deal with.  In other words their customer service is “very good.”  You’ll want to deal with companies which are easy to contact (a person), make policy changes quickly and accurately and are pleasant on the phone.  If any of these aspects change for the negative, drop them because you don’t want to have a bad experience with your Medicare Supplement company.  You can rest assured the companies I show tend to be industry leaders and generally provide superior support and competitive rates.

If shopping for a Medicare Supplement you can switch companies anytime through out the year.  The annual open enrollment periods during the months of November and December of each year are for Medicare Advantage plans and Medicare Part D Rx plans.  This open enrollment period has nothing to do with Medicare Supplement plans.

Feel free to call or email, I will be happy to answer all of your questions.

Need Help or Have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

States …

Connecticut, Kentucky, Maryland, Michigan, Ohio, Pennsylvania, South Carolina, and West Virginia.  (Rates will be available soon, please check back).

• Low Rates – Premiums are competitive in most areas!
• Household Discount – If you have have an Omaha Medicare Supplement and you live with a spouse, friend or sibling who also owns either; Omaha, Mutual of Omaha, United World or an United of Omaha Medicare Supplement, both of you will receive the 7% premium discount (Not available in Conn.)

Guaranteed – Issue Situations …

There are many situations which provide a guaranteed-Issue situation.  This allows you to enroll in a new company regardless of your current or past health conditions.  During this time you do not need to answer any of the “health” or “prescription” questions.  Click here to view some of them.  New to Medicare, coming off of an employer health insurance plan, your Medicare Advantage is non-renewing or drastically changing are a few of the allowable situations.

Prescriptions Plans …

With any Medicare Supplement plan or company, you will need to enroll in a “Medicare Part D Rx plan,” to help you pay for your current and future prescription needs.  Medicare Supplement plans do NOT include prescription plans.

Compare Medicare Supplement Rates …

Mutual of Omaha  -  Anthem Blue Cross  -  Gerber  -  Forethought  -  Family Life  -  Sentinel Security  -  Health Net

Doctors & Hospitals who Accept Medicare …

You must be aware of the three different types of medical providers with regards to who accepts Medicare.  Most physicians and hospitals accept Medicare and the Medicare Fee schedule.  Some doctors and hospitals are Medicare-Approved and submit claims to Medicare, although they do not accept the Medicare Fee Schedule.  These providers you need to know how the Medicare Part B “Excess Charges” works.  The third type of doctor is one who has “opted-out” of the Medicare system altogether, and are considered “cash-only” doctors.  Upwards of 90% to 95% of all doctors fall into the first two categories.

Enrolling is Simple …

Call or email today, and I will email, fax or mail the enrollment for to you, for a quick and easy process.

Feel free to contact me anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Compare Medicare Supplement Rates Here from companies like Anthem Blue Cross, Mutual of Omaha, Blue Shield, Health Net, Gerber and Family Life.

The most comprehensive coverage and access to the most doctors and hospitals will be with a Medicare Supplement.  You can see any doctor, hospital or medical facility who accepts Medicare, regardless of where you live.  If you Live in Los Angeles and you would like to visit a specialist who accepts Medicare and they practice is in Miami or Cleveland or Seattle, you simply make and appointment and go, it’s that easy.  A Medicare Supplement can also provide the most comprehensive coverage for your unique needs.  A Los Angeles Medicare Supplement plan will always be a “letter” plan, such as; Plan A, or Plan F or Plan N.  All twelve Medicare Supplement plans provide a different level of coverage.  Plan F is the most comprehensive of the bunch, offering 100% coverage.

If you are looking for a Medicare Advantage plan in Los Angeles, a very popular Medicare PPO is the Anthem Medicare Preferred PPO plan which is a $0 premium plan for anyone living in Los Angeles, San Diego or Ventura Counties.  This plan works much like and Employer Group Health insurance plan, with deductibles, copays and other out of pocket costs.  It also includes the Medicare Part D Rx plan for no additional price.  The Anthem Medicare Preferred PPO plan is a PPO which means you can go to any “in-network” doctor or hospital along with out of network doctors and hospitals for a little higher out of pocket amount.  This plan also provides great flexibility and access to thousands providers along with a total premium cost of $0.

If you are new to Medicare, enrollment in any of these plans is quite simple, quick and guaranteed.  You will need the appropriate enrollment forms, and the processing time is typically a couple weeks.  If you need any assistance or have questions please do not hesitate to call, email or leave a comment at the bottom of this page.  I’ll do my best to reply to you as soon as possible.

Thank you;

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Anthem Rates
• Anthem Medicare Supplement Application

Medicare Supplement rates vary by region of the state.  Depending on the negotiated procedure rates in your area for  physician / specialist groups and hospital services, along  with claims ratio’s, how many claims per the number of insureds.  So, if you life in an area where the physicians and hospitals have higher procedure charges, than the Medicare Supplement plans reflect these costs with higher premiums.

You’re at a wonderful age.  An age of freedom.  An age of choices.  Today, more than ever before, life after 65 can mean a whole new world of wonderful opportunities.  It also means that if you’re eligible for a Los Angeles Medicare Supplement policy, you will need to decide what type of plan will be the right fit for you and your lifestyle.  So before you make any decisions, you will want to have all the information you need up front.

Why choose an Anthem Medicare Supplement Plan?
Although Medicare pays for many health care services and supplies, it doesn’t pay for all of them.  An Anthem Medicare Supplement plan (sometimes called Medigap insurance) will help pay for those costs which are not covered.  this could include deductibles, coinsurance and copayments that may need to be paid whenever you receive care.  An Anthem Medicare Supplement plan allows you to see any provider who accepts Medicare without a referral.

Finally, you can get a Medicare Supplement plan that is easy to understand, easy to use and best of all, it’s from the company that’s been known and trusted by millions of Americans for over 70 years.  Anthem Blue Cross!

Applying is Easy …

 Simply print and complete the application.  Then fax the application to: 800-995-9913 (do not send any money with the application).  I will track the app while it is being processed, and keep you updated.  I will also make sure the application has the correct effective date of your choice.

Print Anthem Application

Need help or have Questions?

John Conner
Authorized Independent Agent
www.JohnConner.com
john@johnconner.com
800-700-1246 – office
800-995-9913 – fax

• Anthem Extras Brochure – Kentucky
• Anthem Extras Application – Kentucky
• Dentist Search

Healthy teeth and eyes help contribute to your overall well-being.  That’s why Anthem Blue Cross and Blue Shield of Kentucky created Anthem Extras Packages with your overall health in mind.  Anthem offers three packages to complement your Medicare Supplement plan, and help you reach for for better health.  Anthem’s “Standard,” “Premium” and “Premium Plus” packages offer valuable benefits and services, such as:

• Packaged dental and vision coverage that offers extra preventive benefits.
• Support services and tools to help you maintain good overall health and well-being.

And best of all, these packages are available for a monthly plan premium ranging from $20 to $52.  The benefits in each package will roll up to one overall premium, and you will receive one ID card for all of these services.

Dental …

Considering that more than 90% of all systemic diseases produce oral signs and symptoms, it’s important for you to have dental benefits that can help impact your overall health.  With the Anthem Extras Packages, you have:

• Coverage for diagnostic and preventive care (more benefits available, depending on the package).
• Access to more than 65,000 dentists and specialist locations across the country.
• Freedom to see any dentist you choose, and enjoy extra savings when they visit participating dentists.
• Access to emergency dental services while traveling nearly anywhere in the world.

And some more good news … if you only need dental coverage, the Premium Plus dental plan can be offered on a stand-alone basis.

Vision …

Regular eye exams can often help detect, early on, some major health conditions like diabetes and cardiovascular disease.  And early detection can mean lower health care costs, and most importantly, having vision coverage through our Extras Packages gives you benefits including:

• Eye exams, as well as allowances for eyeglass frames and lenses and contact lenses and more.
• Access to more than 50,000 eye care providers and provider locations nationwide.
• Additional savings of 15%-40% for non-covered materials such as extra pairs of eye wear.

Additional Programs …

• SilverSneakers Fitness Program offers physical activity, health education and social events, designed for Medicare-eligible members, in more than 11,000 locations nationwide.
• Travel Assistance includes assistance if your client has an emergency medical situation, looses or exhausts prescription medication or loses eyeglasses while traveling abroad.
• Member Assistance Program provides access to licensed counselors, care managers, attorneys and financial advisors.

Interested in “Dental-Only” Coverage?

Good News.  Anthem Blue Cross of Kentucky has a Premium Plus Dental plan, which is part of the Premium Plus Package, and can be purchased on a stand-alone basis.

How to Enroll …

Simply complete and sign the application and either fax or scan & email it back to me, I’ll do the rest to make sure the enrollment process is quick and accurate, with the effective date you require.

Please feel free to call anytime, I will be happy to answer all of your questions.

• Anthem Extras Kentucky Brochure
• Anthem Extras Kentucky Application
• Dentist Search

Need Help or have Questions

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Compare Rates …

Anthem Blue Cross  -  Mutual of Omaha  -  Gerber  -  Forethought  -  Sentinel Security  -  Family Life

Please feel free to look around and use this website as a resource.  I am also always available by phone or email or comments through this site, if you have questions.

10 Tips to Help you Save on a Medicare Supplement Plan …

1. New to Medicare?  If you are new to Medicare you are most likely on a mailing list and have or will be receiving a huge amount of marketing brochures and fliers from all sorts of insurance companies.  This can be helpful, although most likely the information will be regarding the products which are most profitable for the company, and not necessary the right plan for you.  Take your time and try to start early, before your Medicare Part B starts.  Remember, you have 6 months to choose once your Medicare B starts.
2. Use Trusted Resources – Talk to your friends and find out what they have, talk to ‘Independent Agents’ who offer several companies to get their opinions.  Read and try to understand how the plans work.  Ask questions and be aware of what is available in your area.
3. Switch Companies – If your monthly rate becomes uncompetitive or too expensive, you can look to change companies anytime through out the year to a company with better rates or superior customer service.  In order to enroll in a new Medicare Supplement company you will need to answer the health questions on the application.
4. Spouse Discount – Most Medicare Supplement company offer a “Spouse” discount with both enroll in the same plan and company.  The discount is usually between 5% – 7% for both policies.
5. Don’t be Emotional – Don’t be emotional about a company or people running the company.  If you have been a member of a certain company for several years, don’t stay longer than you need to if the rates increase too rapidly, or you find the customer service is loosing it’s luster.  Just remember, the insurance company isn’t emotional about you when rate increases are handed down, so you shouldn’t be either when you leave.
6. Guaranteed – Issue – Use all options to transfer to other companies when offered.  States and companies at times will offer current Medicare Supplement members an opportunity to switch to their company during a promotion.  Be sure to keep your eyes and ears open for these great opportunities.
7. Easier Underwriting – If you are looking to switch Medicare Supplement companies but have current or past health issues.  Be aware that each company reviews applicants differently.  Some ask many health questions, while others ask only a few.  So if you are generally a healthy person, you will most likely be able to enroll in any company, although if you have certain health conditions, you will need to be more selective with who you apply to.  Feel free to call and we can discuss your options.
8. No Tobacco – Most companies will offer a lower rate to a person who has not used tobacco for at least 2 years.
9. Medicare Supplement plans A through N – Medicare Supplement plans A through N provide a different level of coverage.  Be sure to review which coverage level and premium amount is best for your unique situation.
10. Call Me – I can save you plenty of time if you are either new to Medicare or simply looking to change companies or plans.  Looking for a more competitive rate or wanting information regarding Medicare Supplement or Medicare Advantage options.  Call me so we can discuss your current situation.

Compare Rates …

Anthem Blue Cross  -  Mutual of Omaha  -  Gerber  -  Forethought  -  Sentinel Security  -  Family Life

Please feel free to call anytime with questions.

Need Help or Have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

• International Student Coverage – Quick Quote

For American students to be competitive in today’s global world international experience is critically important.

• 15 of the 20 top destinations were outside of Western Europe.
• 19 of the top 25 countries don’t have English as their primary language.
• 44% increase in students going to India, Israel, Brazil, Egypt and New Zealand.

Top 5 Fields of Study, for U.S. students learning abroad …

1. Social Sciences.
2. Business Management.
3. Humanities.
4. Applied Arts.
5. Physical/Life Sciences.

 Foreign Students coming to the U.S.

• Number of international students enrolling at U.S. institutions have risen 32% over the past 10 years.
• Currently 723,277 international graduate and under graduate students study in the U.S.
• China sends 157,558 students to the U.S.
• India sends 103,895 students to the U.S.
• Top Five host States: California, New York, Texas, Massachusetts and Illinois.

Please click here for more information regarding International Student Health Insurance Plans.  Or click on the chart below.

Need Help or Have Questions?

Anthem is now in 14 States…

California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia and Wisconsin.

Compare Rates:

• Anthem Medicare Supplement Rates
• Anthem Medicare PPO plans:  (CA,  CO,  NV)
• Anthem Extras: Dental, Vision & Silver Sneakers packages
  
• Applications

If you are looking for a plan that offers the greatest “access to care,” and comprehensive coverage, then an Anthem Medicare Supplement is the plan you should be looking at.  On the other hand, if you need a low and sometime ‘NO’ premium plan which works much like an employer health insurance plan, with co-pays, deductibles and other out of pocket costs, with a network of physicians an hospitals, and the Medicare Part D Rx coverage included.  The Anthem Medicare PPO plan may work great for you.  But before you decide, feel free to call so we can discuss your options.

Anthem Medicare Supplement plan benefits do not change from year to year and the premiums will keep ticking up annually as a person ages.  On the other hand, Medicare Advantage Plans (HMO’s & PPO’s) will change their benefits as well as deductibles and copay amounts typically every year.  With a Medicare Advantage plan you will have an open enrollment towards the end of each year which allows members a chance to compare what other companies in their area have to offer.  If you like what you see, simply enroll during the open enrollment period and your coverage will start January 1st.

• Compare Other Medicare Supplement Companies

Most of the Anthem states include Medicare Supplement plans: A, F, High Deductible F, G and N.  All offer a different range of coverage for your unique budget and care needs.

Under Age 65 …

Several of the Anthem states provide Medicare Supplement coverage to under-age-65 Medicare beneficiaries including: California, Colorado, Connecticut, Georgia, Kentucky, Missouri, New Hampshire, New York and Wisconsin.  If you know of someone who is under age 65 and starting Medicare, please forward this website so they can see what is available to them.

Medicare Part D Rx plans …

If you have an Anthem Medicare Supplement plan you will also need to enroll in a Medicare Part D Rx plan from any one of dozens of companies in your ares.  Medicare Supplement plans do not include Rx coverage.  The Anthem Medicare PPO plans DO include the Anthem Medicare Part D Rx plan with their health plan.  If you take many medications please either look at the Anthem “Formulary” list to make sure your meds are covered, or visit the Medicare website (www.Medicare.gov) to compare stand along Medicare Part D plans in your zip code.

Enroll …

It’s easy, simply call or email me and I will email, fax or mail the appropriate application for the state you live in, when finished please fax or scan and email the application back to me and I’ll do the rest to make sure the application is complete and accurate, I will also see to it that you receive the effective date you desire.

• Applications

Please feel free to contact me anytime with questions.

Need Help or Have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Seven Corners is a company that offers four International Travel Insurance options for within the USA and abroad.

• Liaison International Travel Insurance
• Liaison Majestic Travel Insurance
• Liaison Continent Travel Insurance
• Liaison Worldwide Travel Insurance

 Liaison International …

5 days to 187 days.

• Get a Quote & Apply On-Line (Liaison International)
• View Brochure

Best for – Travelers while outside of their fixed and permanent residence for 187 days or less.  This plan will pay for new illnesses and new injuries based on the area where you are being treated.

Coverage period: 5 to 187 days.  Virtual ID cards are available immediately after purchase.  Seven Corners has access to over 12,000 doctors and hospitals worldwide.  With one call, we can assist you in locating a provider.  Seven Corners Assist is also trained to help locate appropriate care.

Liaison International Plan provides coverage for individuals and families (including unmarried dependent child(ren) over fourteen (14) days and under nineteen (19) years of age) while traveling outside of their Home Country.

Liaison Majestic …

5 days to 1 year.

• Get a Quote & Apply On-Line (Liaison Majestic)
• View Brochure

Best for – Travelers while outside of their fixed and permanent residence from 5 days and up to 12 months.  Includes political evacuation.

Eligibility: Liaison Majestic provides coverage, as outlined in this brochure, for individuals and families (including unmarried dependent child(ren) over fourteen (14) days and under nineteen (19) years of age) while traveling outside of their Home Country.

Effective Date: Your coverage will begin on the latest of the following: 1) The moment you depart your Home Country; or 2) The date and time the Application and full plan cost is received and accepted by Seven Corners; or 3) The date requested on the Application.

Liaison Continent …

5 days to 6 months.

• Get a Quote & Apply On-Line (Liaison Continent)
• View Brochure

Best for: Travelers while outside of their fixed and permanent residence for up to 187 days.  This plan has multiple co-insurance options:

Coinsurance Options:

Inside the United States and Canada

• Plan A: After you pay the deductible, the program pays 80% of the 1st $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
• Plan B: After you pay the deductible, the program pays 75% of eligible expenses to the selected Medical Maximum.

Outside the United States and Canada

• Plan E: After you pay the deductible, the program pays 100% to the selected Medical Maximum.
• Plan F: After you pay the deductible, the program pays 80% of eligible expenses to the selected Medical Maximum.

Liaison Worldwide …

5 days to 1 year, renewable up to 3 years.

• Get a Quote & Apply On-Line (Liaison Worldwide)
• View Brochure

Medical Insurance that covers you outside your home country.  Non-citizens visiting the United States and United States citizens traveling overseas.

Continuing Coverage: For those who are intending longer worldwide trips, an option is available to you.  If you choose this option on the application and enroll for at least three (3) months of coverage, a notice will be sent to your address of correspondence, allowing you to purchase an additional period of coverage (minimum of one (1) month, maximum of twelve (12) months.  If you purchase at least three (3) months of coverage, Seven Corners will continue to send notices to your address of correspondence.  If you choose to purchase less than three months of coverage, Seven Corners will assume that your worldwide trip is complete and will not send any further notices.

Please feel free to call anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – toll free
916-682-1117 – direct
916-258-0296 – fax

work differently than Medicare Advantage plan as far as when you can switch companies.  If you currently have or wish to switch to a Medicare Supplement plan you can enroll or apply anytime of the year.  Simply complete the application, answer the health questions and the review process typically takes a couple weeks.  When approved the application effective date is typically the fist of the month following the receipt of the application.

• Compare Medicare Supplement Plans & Rates

Medicare Advantage plans …

follow different rules; you must enroll and change companies during the “Annual Open Enrollment Period.”  The Open Enrollment Period is usually towards the end of each year, November and December, with a January 1 effective date.  Medicare Advantage applications do not ask health questions and enrollment is guaranteed as long as the plan is available in your county or residence.  Medicare Supplement applications will ask several health questions and go through a review or underwriting process and the approval or declination is based on a persons current health status.  Some companies are more lenient then others when looking into ones health status.  If a person has pre-existing conditions, it’s wise to look into the companies which are more likely to approve you.

• Best Place to Compare Medicare Advantage plans

Medicare Part D Rx plans …

also work differently with each.  With a Medicare Supplement the Part D plan is a “stand-along” plan which allows a Med Supp member to “Mix-N-Match” Part D plans to meet their medication needs.  With a Medicare Advantage plan the Medicare Part D plan typically is included with the plan and is the same company Part D Rx plan.  If you have a Medicare Supplement plan and you choose to switch companies mid-year, you will need to keep your current Part D Rx plan until the next open enrollment period if you would like to change companies.  With a Medicare Advantage plan your Part D Rx plan will be changing with the new plan you enroll in during the open-enrollment period.

Medicare Supplement plans can provide more flexibility through out the year if your desire is to switch companies.  Although if you are not in good health it may be challenging.  On the other hand once you are a member of a Medicare Advantage plan it is very difficult to change companies outside of the Open-Enrollment period, but enrollment in new company plans is guaranteed during that time.

• Medicare Part D Rx info

Please feel free to call anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

Advantages of a Medicare Supplement …

Access to care. You are able to see any licensed physician, specialist and Medical facility who accept Medicare.  You can see a provider anywhere in the U.S. as long as they accept Medicare.  That means if you live in a certain state, you can see any Medicare-approved doctor / hospital in any state.  Make an appointment and go, it’s that simple.

Comprehensive Coverage. Most Anthem Medicare Supplement plans provide very comprehensive care for the member.  Plan F for example offers 100% coverage for all Medicare-approved services.  You don’t pay for Hospital or outpatient care.  Plan G pays for everything except the Medicare Part B annual deductible which is $140 in 2012.  Plan C is another popular plan which also pays all Medicare-approved charges except “Medicare part B Excess Charges.”

• Anthem Rates

Guaranteed – Issue …

Be sure to take advantage of every “Open-Enrollment” or Guaranteed-Issue” period available to you.  The obvious ones are when your Medicare Part B starts (6-month window), and when you are coming off of an employer health insurance plan.  There are others, you can view them here.

Remember, you can also enroll/apply to an Anthem Medicare Supplement policy anytime through out the year.  You simply complete the application send it back to me and I’ll do the rest.  If you are answering the “health questions” on the application, you will notice, Anthem doesn’t ask as many health questions compared to other Medicare Supplement companies.  So if you are looking at a moving to another Medicare Supplement company or plan, be sure to include Anthem in your review.

• Anthem Extras – Dental – Vision – Silver Sneakers

Enroll Today, it’s Simple …

I can email or mail the appropriate state application to you.  Simply fill it out (call me and I’ll walk you through it) fax it back to me, and I’ll do the rest to make sure the process is quick and accurate, and you receive your requested effective date.

Be sure to call anytime with your questions.

Need Help or Have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Mutual of Omaha is not only one of the largest Medicare Supplement companies in the U.S., they are also known as a “go to” company because of their competitive rates and consistent customer services.  I also find them to be one of the better companies to deal with.  When a client of mine calls and needs answers or changes to their plan, I want a company which is easy to contact and makes changes quickly and accurately.  For this reason, I highly recommend Mutual of Omaha and the different plans they offer.

• Compare Monthly Rates here.

Enrolling is Easy …

If you are new to Medicare or have been with other Medicare Supplement plans, the enrollment process is simple.  I can email an application for your state of residence and all you need to do is complete the enrollment forms and email or fax them back to me.  I’ll do the rest to make sure your application is processed quickly and you are given the effective date you desire.

Under Age 65 on Medicare …

If you are under age 65 and on Medicare, you may be eligible to enroll in a Medicare Supplement plan from Mutual of Omaha.  Depending on your state of residence a Medicare Supplement of your choice may be available to you.  Remember only certain states offer “under-age 65 Medicare Supplement plans.  Click here for more info.  If your state does not participate, you may want to look into Medicare Advantage plans which work a little different from a Medicare Supplement plan.  The best place to check for Medicare Advantage plans in your area is the Medicare website: www.Medicare.gov.  Please feel free to call, because this does seem to be a bit confusing depending on your situation.

Other Medicare Supplement Companies to choose from …

Anthem Blue Cross  -  Gerber  -  Family Life  -  Sentinel Security  -  Forethought  -  Health Net  -  Blue Shield

Keep in mind all “Plan F’s” are the same regardless of who is providing the coverage.  You will want to look at the monthly rates, financial strength and of course customer service.  Also, you will need to look into a Medicare Part D Rx plan because Medicare Supplement plans do not include a prescription plan.

Need Help of Have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax