Compare Medicare Supplement Rates

Without a Medicare Supplement plan, you know you will most likely have medical expenses, but how much will they cost?  Take the Medicare Part A deductible for example.  This is a hospital deductible which is $1,100 for 2010.  This deductible does not work like the traditional annual deductible you may have had in the past with your employer based health insurance plan, which you only need to satisfy the deductible once during any given year.  With the Medicare Part A deductible, you may have to satisfy the deductible several times during the year.  The Medicare Part A deductible is considered a “benefit period” deductible, with a benefit period consisting of sixty days.  You could conceivably be responsible for the $1,100 deductible every 60 days.  Is this likely to occur?  Not really, but it does happen.  These are unexpected expenses, which are difficult to plan ahead for.

Looking ahead at your health care expenses is easy to prepare for if you know what your monthly outlay will be.  That is exactly what a Medicare Supplement does for you.  Since the plan covers most if not all of your medical costs, all you have to prepare for is the monthly premium.  Medicare alone for some may be a workable plan, especially if you have the income to pay for the unexpected deductibles and co-payments you will be responsible for when an illness or accident happens.  Hospital expenses (multiple Part A deductibles) are very expensive and at time stressful to handle.  Outpatient visits, physical therapy and surgery add up as well.

Medicare Supplement Information

Again, the real reason for a Medicare Supplement plan is so you can have a planned system of expected health care expenses, especially if you are on a fixed income, or budget.  Knowing the costs allows for peace of mind, and the ability to easily prepare for your future health care expenses.  No unexpected costs, no surprise bills you must pay for, and no surprises.  This is the real reason to have a Medicare Supplement plan.

Please feel free to call anytime with your questions.

John Conner
Medicare Specialist
www.johnconner.com
john@johnconner.com
800-700-1246 - phone
800-995-9913 - fax
916-240-6422 - cell

The Standard option when changing companies which all other states offer is, the beneficiary may request to change at anytime of the year.  Although, in this case the new company will review the applicants current health status and the new company is not obligated to issue the policy to the applicant.

With the guaranteed annual enrollment period the person can switch to a new company plan with the same or less benefits.  Meaning you cannot increase the benefits from what you currently have.  In other words, if you have a California Medigap Plan C with Company A, you are allowed to apply to another California Medigap Plan C, or to a plan with less benefits and stay within the California guaranteed issue guidelines.

In other states a Medicare Supplement beneficiary may become locked into a plan, regardless of the monthly premium, simply because of their current health status.  Not able to switch to a more reasonable priced plan.  The California annual open enrollment period gives the insured more power and control with their Medicare Supplement insurance program.  The power to switch companies every year, without being penalized, is available to  every California Medicare Supplement policy holder.  If you have Medicare Part A and Part B, and enroll into a Medicare Supplement Plan in the State of California, you have these rights.  A terrific and valuable law for our California residents which places more control into the hands of our seniors.

Increasing premiums is not always the reason for an insured to switch companies.  Customer service issues can often drive a person away from a company.  Easy access to customer service representatives, billing accuracy, and claims issues all weigh heavily on our seniors minds when deciding whether to keep a company plan or quickly and easily switch to a new company.  With a California Medicare Supplement plan you have the power, not the insurance company.

Please call anytime with your questions:   800-700-1246

John Conner
john@johnconner.com
800-700-1246 - phone
916-240-6422 - cell

Medicare Supplement Plans being eliminated: Plans E, H, I and J will no longer be offered as of June 1, 2010.  the preventive care and at-home recovery benefits will also be eliminated from the standardized Medicare Supplement options.

Medicare Supplement (Medigap) plans have been the same since 1992, when they became federally standardized.  However, the June 1, 2010 addition of plans M and N will be the first major changes to the Medicare Supplement marketplace since 1992.  Additional changes will be to the current plans A through G, which will be phased out, and a new set of A through G plans will be phased in.  This is a little confusing because the beneficiaries who are currently enrolled in plans A through G can either stay in their current option or migrate to one of the new A through G plans.  Hospice care will be added to all standardized plans, and the preventive and at-home recovery benefits eliminated.

Plans M and N are similar to the current plan F, although plan N includes copayments for doctor visits and trips to the emergency room.  Because of the copayment, it is estimated to cost about a third less than the current plan F.  Plan M is also similar to the original standardized plan F, but only covers 50 percent of this years Medicare Part A deductible of $1,100.00 and Part B deductible of $155.00.  The premiums for plan M are estimated to be about 15 percent less than plan F.

Some seniors have expressed a serious concern that depending on their current health status may dictate whether they will be able to switch to the new plans.  If stuck in the old plan, rates may increase faster than the new standardized plans.  CMS has recommended that the participating insurance companies allow all existing Medicare Supplement policy holders to be able to migrate to the new plans, and I believe they will.  Also, because of the changes happening on June 1, 2010, all participating companies will be allowed to reset their rates with the introduction of the new plans.  Meaning, the companies that are no longer competitive will be able to reset their pricing for all new plans including plans A through G because of the addition of the new Hospice benefit.

Please feel free to contact me anytime for more information, I’m here to help.

John Conner
Medicare Specialist
john@johnconner.com
800-700-1246 - office
916-240-6422 - cell

To view the monthly rates for your area simply click the link below.  Or feel free to call anytime for more information, 800-700-1246.

• Gerber Medicare Supplement Rates
• Application

If you currently have a California Medicare Supplement with a different company, you may want to compare the monthly premiums with the new Gerber rates.  If you like what you see, switching companies is easy.  Simply print an application for the link above (or call and I’ll mail the enrollment kit to you), complete the application and fax or mail with a copy of your Medicare card (Red, White and Blue card) to the address below.  If the “switch” takes place during the month of your birthday, the acceptance guaranteed, as long as the plan being requested is has the same or less benefits.  If your benefits increase, Gerber, or any California Medicare Supplement company will review your current health status, and are not obligated to accept your application request.

Gerber offers Medicare Supplement plans A, F and G.  Plan F is by far the most popular of the twelve Federally Standardized plans.  So if your current company is raising rates and you are not near your birthday, give it a try and apply anyways, what do you have to loose.  Most likely Gerber will accept you as is without having to wait for your birthday month.  The Medicare Supplement market is constantly in flux.  Carriers are adjusting rates at different times of the year.  With most companies you will have a 12 month rate guarantee, including Gerber.

• Gerber Medicare Supplement Rates
• Application

Applying is easy!  Simply print the application and either fax or mail it to me for processing.  In most cases the processing time only takes a couple weeks.  Once approved you will receive your new ID cards along with your new company policy.  So fee free to contact me anytime for the most up to date rate comparison.  I’ll be happy do discuss the plans in more detail, and find you the plan which fits your unique needs.

Other California Medicare Supplement Companies:  

Thanks;

John Conner
Medicare Specialist
10425 Saddle Creek Drive
Sacramento CA 95829
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax
916-240-6422 - cell

Leave a Comment:

Our two most comprehensive and popular plans; Plan D and Plan F, pay the Medicare Part A deductible of $1,100 and the 20% coinsurance after the Part B deductible of $155.  Also covered are the Skilled Nursing Facility copayment and the foreign travel emergency care.  In fact no other standardized Medicare Supplement plan offered in California offers more complete protection for your uncovered Part B expenses than Plan F.

• Blue Shield - Rates
• Application

Blue Shield Medicare Supplement Plan D covers:

• Your Part A deductible ($1,100 each benefit period) and coinsurance.
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends.
• Your Part B coinsurance and the cost of the first three pints of blood.
• Skilled Nursing Facility copayment.
• Foreign Travel emergency care.
• Important benefits for at-home care after a hospital stay in addition to the basic benefits.

Blue Shield Medicare Supplement Plan F covers:

• Your Part A deductible ($1,100 each benefit period) and coinsurance.
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends.
• Your Part B coinsurance and the cost of the first three pints of blood.
• Skilled Nursing Facility copayment.
• Foreign Travel emergency care.
• $155 Part B Medicare deductible.
• Part B doctor charges that are in excess of Medicare-approved amounts.

If you are new to Medicare Plans D and F offer comprehensive coverage for the person looking for an easy to use plan with very little out of pocket expenses when seeing a physician or hospital.   To apply simply print the enrollment application and fax it to me with a copy of your Medicare card (Red, White and Blue card).  I’ll handle the rest for a seamless application process.

California also offers a terrific “Guaranteed Issue” advantage.  Each year during the annual open enrollment period, which is on the month of your birthday a Medicare Supplement member can switch to a different company plan with same or less benefits without having to be approved medically.  So if you have a Medicare Supplement Plan F with another company, during the month of your birthday, you can choose any company plan F which is available in California.  This allows you freedom to choose companies with lower premiums regardless of your current health.

• Blue Shield - Rates
• Application

Blue Shield also offers their new members a $10 discount if you are new to Medicare Part B (within 6 month of the first date you are enrolled in Part B), and this discount is for the first 12 months of you being a member of a Blue Shield Medicare Supplement plan.

• Compare other company plans & rates

An alternative to a Medicare Supplement plan is a Medicare Advantage plan.  One of the most popular California Medicare Advantage plans is the Anthem Freedom Blue PPO plan.  It is a $0 permium plan which includes the Medicare Part D Rx plan.

Please call or email anytime for more information.  I’m here to help.

John Conner
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax
916-240-6422 - cell

• California Medicare Supplement - Monthly Rates

If you are twitching to a new Medicare Supplement company and are hoping for approval, each company asks different health questions on their application.  Some company applications will ask about any conditions or medications going back 20 years, other will only need the last two years for certain conditions.  I can save you a lot of time with this process, so please feel free to call anytime.

Remember, switching during the month of your birthday is extremely easy and usually very quick.  Simply submit the application material and the approval process typically takes a week or two.  Your ID cards are mailed to you and you are up and running on the new, hopefully, lower priced plan.  Shopping for a lower priced premium is a good idea.  There are plenty of new Medicare Supplement companies entering California annually.  Give yourself a month or two to compare the rates and plans of your choice, so you can make a sound decision when looking for a new California Medicare Supplement plan.  A couple examples of companies which have recently been approved to offer their Medicare Supplement plans in California are; Gerber Life and Family Life.  Both offer very competitive Medicare Supplement rates.

• Pleaese call for an application - they can be emailed, faxed or mailed.

If you are new to Medicare make sure you have both Medicare parts A and B.  If you have worked most of your life, you are entitled to Medicare Part A when you turn 65.  Part B you will have to purchase on a monthly basis, either by your Social Security income or from a bank account.  Once you have A and B you are eligible to apply to a Medicare Plan, either a Medicare Supplement or a Medicare Advantage plan.  Medicare Advantage plans include, PPO’s, HMO’s and Private Fee For Service (PFFS) plans, and work quite differently than Medicare Supplement plans.  Call so I can explain both for you.

If you have recently applied for Medicare part B but have not received your new Medicare Card showing your Part B effective date.  That’s O.K!  Once you apply, you will first receive a letter in the mail stating you have been approved for Medicare part B along with the effective date is.  Your new Medicare card may take another week or two to arrive.  California Medicare Supplement companies will accept the initial letter from the Social Security Administration as proof of your Part B coverage.   Your Medicare Supplement coverage will usually start on the same date as your Part B effective date.

I’m here to help, so feel free to contact me anytime for more information.

John Conner
john@johnconner.com
800-700-1246 - office
916-240-6422 - cell

Medicare Supplement Rates
·   Anthem Blue Cross	·   Gerber Life
·   Mutual of Omaha	·   Family Life
·   Aetna	·   Blue Shield
·   Health Net	·   Lincoln Heritage

• Freedom Blue - Medicare PPO plan

Depending on the city in which you live; Sacramento, San Jose, San Francisco, Fresno, Long Beach, Los Angeles, San Diego or any other city or region of California, the monthly rates will depend you your current Zip Code or County you live in and your current age.  Medicare Supplement rates in California are age and Zip Code sensitive, Medicare Advantage plans like the Anthem Freedom Blue plan One, is a $Zero premium plan everywhere in California.  You can compare the difference between a Medicare Supplement plan and a Medicare Advantage plan here. 

Medicare Supplement plans in California have been the same for several decades, on the other hand Medicare Advantage plans like the Anthem Freedom Blue plans have been here for a few years.   Medicare Supplement plans rarely change and are federally standardized, meaning a Plan F for a company in California must provide the same benefits as any other plan F in the United States.  Medicare Advantage plans which are the new plans on the block and have been extremely popular because of the low or no premium plans change benefits and premiums yearly, and will continue to change.  So that is something to keep in mind while deciding on a Medicare plan for yourself and or spouse.

What are your costs?  With a Medicare Supplement plan in California you will have a monthly premium for the Supplement.  You will also need to purchase a Medicare Part D Rx plan to cover your prescriptions.  For example; an age 70 female (non-tobacco) living in Los Angeles, the monthly Medicare Supplement plan F premium is $168.00 (Gerber Life Medicare Supplement).  A Plan F will cover virtually all of your Medical costs, so you will not have any out of pocket expenses.  The Part D Rx plan will cost approximately $42 per month with Anthem Blue Cross Part D plan. 

With a Medicare Advantage plan like the Anthem Freedom Blue plan has a monthly premium of $0.  Although you will have out of pocket costs when you see a physician or hospital.  You will have office visit copayments, an annual deductible and hospital charges.  Your out of pocket maximum with the Freedom Blue plan is $3,350, which are all of the copayments, percentages and deductibles added up before Anthem Blue Cross picks up the rest at 100% of approved charges for the remainder of the year.  The Medicare Part D Rx plan is also included with the Freedom Blue Plan One, so there is no extra premium costs for the prescription plan.

To help decide please feel free to call me anytime with your questions … 800-700-1246.

Thank You;

John Conner
Medicare Specialist
john@johnconner.com
800-700-1246 - office
916-240-6422 - cell

I live in Sacramento with my wife and three children, and when I’m not busy helping clients, I’m usually fixing my kids flat tires, helping with homework, or fighting with my backyard vineyard.   

 Industry changes are in constant motion and should be reviewed and compared annually.  So if you have any questions regarding your current plan or would like more information, please feel free to contact me anytime with your questions.  I’m here to help.

• Medicare Plans
• Individual / Family

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax
916-240-6422 - cell

You’ve earned the right to be worry free.  Retirement is a time for celebration.  After all, you’ve worked hard to get to this point.  And one of the best retirement gifts you can give yourself is the security and peace of mind that comes from having Lincoln Heritage Medicare Supplement plan.

Need a hand?  I’m here to help.  (800) 700-1246

You can choose the plan that is exactly right for you.  Compare our plans in the chart below.  Once you have seen what each Lincoln Heritage Medicare Supplement plan covers, you can choose the plan that is the right fit for you and your lifestyle.

Apply for a Lincoln Heritage Medicare Supplement today.  Simply complete the enrollment application and either fax or mail the application with a copy of your Medicare card (Red, White & Blue card) to the number below.  I’ll make sure the application process is seamless for you.

Call or Email for an Application.

John Conner
Medicare Specialist
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax
916-240-6422 - cell

Mail Applications to:
John Conner
10425 Saddle Creek Drive
Sacramento CA 95829

Questions:

The Freedom Blue plan is a Medicare Advantage PPO plan, meaning you can see any physician, specialist or hospital within the PPO network to receive the maximum benefits.  If you see a provider “outside” the PPO network, then you will have to pay higher copays and deductibles.  Although your out-of-pocket maximum ($3,350) will remain the same whether you see a provider in or out of the network.  The out-of-pocket maximum is the total amount of medical copays, coinsurance and deductibles you pay throughout the year.  When this amount reaches $3,350 Anthem Blue Cross is responsible to pay 100% of the approved medical costs for the balance of the calender year. 

• Anthem Blue Cross - Freedom Blue (PPO)
• Freedom Blue - Application
• Anthem Part D Rx

Remember, with a Medicare Supplement plan you can see any physician, specialist and hospital in the United States who accepts Medicare.  That is a fantastic benefit when you desire to see a particular provider when you have a certain condition.  Also when traveling, if you become ill or have an accident, there are no referrals necessary, you simply go to a local doctor or hospital, and Medicare and the Medicare Supplement pays as as if you are in your local area.

Call or Email for an Applictaion

Below is a chart of the most popular Medicare Supplement plans:

• Freedom Blue Application

When looking for a Medicare Supplement plan you can use this basic chart above to lead you in the right direction when deciding on a particular plan.

Also be sure to click the different company links above to view the monthly rates.

Applying is easy; simply print the company application and mail or fax it to the address below.  Most companies will need the first months dues which will have to be mailed before the policy is approved.

Please feel free to call anytime with your questions … 800-700-1246.

John Conner
Medicare Specialist
10425 Saddle Creek Drive
Sacramento CA 95829
www.JohnConner.com
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax
916-240-6422 - cell
Department of Insurance License No.: 0813608

Questions:

California Freedom Blue Medicare PPO from Anthem Blue Cross offers a zero premium plan which includes the Medicare Part D Rx coverage at no additional cost.  The California Freedom Blue Plan One is available to anyone living in California who has both Medicare parts A and B.  Typically you can enroll every hear during the Medicare Advantage “Annual Enrollment Period (AEP) which runs from November 15th through December 31st every year.  Or if you are new to Medicare Part B you have three months from the Part B date of coverage to enroll in the California Freedom Blue plan.

• Brochure
• Enrollment Application

The California Freedom Blue plan One from Anthem Blue Cross offers the best of bothworlds.  Quality coverage with no monthly or annual premium.  It’s hard to beat.  The coverage allows you to see any physician in the United States, although if you see an Anthem Blue Cross PPO doctor, specialist or hospital you copays will be less.  The California Freedom Blue Plan 1 has an “Out-of-Pocket-Maximum” of $3,350 which means if you combine all of your copays, percentages and deductibles (out of pocket amounts) throughout the year and your total reaches $3,350, from that point on your California Freedom Blue plan will cover you 100% of qualified medical expenses for the remainder of the year.  So if you have major medical and or hospital expensed the most you will have to pay in any given year is $3,350.  That amount is the same even if you see a physician, specialist or hospital anywhere in the United States, in the Anthem Blue Cross of California network or outside the network.

PPO

The California Freedom Blue plans are PPO (Preferred Provider Organization) plans which allow you to see any participating provider in California.  You do NOT need a referral to see a specialist or a different doctor.  Simply make an appointment and go, it’s that simple.  If you want to see a physician in a different part of California, because you have heard they are the best at treating a certain condition, make the appoitnment.  Witha PPO style plan you are not pigeonholed with having to work through your HMO primary care physician or “Gatekeeper.”  The California Freedom Blue plans offer the freedom to go where you want, and that can make a big difference in the quality of your care.

Simple to use and easy to understand

Witha California Freedom Blue Plan from Anthem Blue Cross, you get combined medical and drug coverage, all for the same plan, with one health palncard.  But more than that, your new California Freedom Blue plan will be easy to use with virtually no paperwork.

We’re here to help, please call anytime for more information … 800-700-1246

• Brochure
• Enrollment Application

To apply, simply print the application and fax it to: 800-995-9913.  I’ll to the rest and assure you of a smooth approval process.

John Conner
john@johnconner.com
800-700-1246 - phone
800-995-9913 - fax
916-240-6422 - cell

• Family Life Medicare Supplement - Rates
• Family Life - Application

Protection from the bills Medicare doesn’t pay.  Medicare was never meant to cover all of your doctor and hospital bills.  Many people do not realize this and expect them to pay all.  Reliance on Medicare in this situation can mean financial difficulty with out-of-pocket expenses, such as; $1,100 Part A deductible per 60 day benefit period.  Along with the $155 Part B deductible then 20% after the deductible for outpatient services.

Call or Email for an Application.

Family Life Medicare Supplement plans are designed to give you choices.  Choices you need to help cover health care costs today!  Our plans allow you to choose a Medicare Supplement plan to suit your life’s situation, budget and needs.

Compare Plans and See if these benefits are covered:

• Part A deductible (2010 = $1,100)
• Part B deductible ($155)
• Part B co-insurance (20% after deductible)
• Part A Extended Hospital coverage (in the hospital longer than 150 days during a Benefit Period up to 365 days).
• Skilled Nursing Facility Care (first 20 days are covered by Medicare, then your plan pays $137.50 for the additional costs)
• Emergency Care outside the US (after the $250 deductible Family life pays 80% of the eligible expenses incurred during the first 60 days for emergency care received outside the U.S. up to a maximum benefit of $50,000. 

• Family Life - Monthly Rates
• Application
• Brochure

Applying is easy!  Simply print and complete the Application and fax it to the number below.  And please include a copy of your Medicare card.  I’ll do the rest, for quick processing.

Please call or email for an application.

John Conner
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax
916-240-6422 - cell

• Gerber Medicare Supplement - California Rates
• Brochure

California Medicare Supplement members have an advantage over other states in that in California you can change plans or companies every year on the month of your birthday, no medical questions asked.  It’s guaranteed issue as long as you switch to a plan with equal or less benefits.  We all know that rates change annually, some actually go down, most go up.  So, if you are coming close to your birthday, you should at least take a look at the current Gerber Medicare Supplement rates here in California.  You may be surprised.  Medicare Supplement plans are Federally standardized, meaning the benefits offered by each company must provide the same standardized benefits regardless of the company offering the plan.

Call or Email for an Application

In other words if you are comparing a Plan F provided by Gerber, Anthem, Aetna, Mutual of Omaha, the benefits will be the same.  The only difference will be the monthly premium, and the quality of company customer service.

If you would like to change to Gerber Medicare Supplement plan, you can do this anytime of the year.  Although, if the change is not during the month of your birthday, the new company will review your current health status.  Some companies ask fewer questions then other companies, so please call so we can discuss your situation.

• Gerber Medicare Supplement - California Rates

Call or email for the enrollment application.

Please call anytime for more Gerber Medicare Supplement info … 800-700-1246.

Thank you;

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 - phone
916-240-6422 - cell

Individual / Family Plans:

• California
• Colorado
• Nevada

• Small Group Health Insurance Info
• Medicare Supplement Rate Information

Please call or email anytime for more information.

John Conner
john@johnconner.com
800-700-1246 - phone
800-995-9913 - fax
916-240-6422 - cell

Having quality health benefits is a vital part of your overall health care needs.  And these days, you have so many choices in your Medicare coverage.  So how do you choose the right company for you?  All you need is a Medicare plan that offers simplicity, access and a name you can trust.  Maybe Freedom Blue is just the right plan.

Generations of Americans have trusted their health benefits to Anthem Blue Cross Insurance Company for over 70 years.  In fact Anthem Blue Cross has been a provider of health benefit plans since before Medicare began in 1965.  In addition to quality coverage, you get the confidence of knowing that Anthem Blue Cross is a stable and reliable company.

• Print - Freedom Blue Application
• Freedom Blue - Benefit Summary

• Print - Freedom Blue Application
• Freedom Blue - Benefit Summary

With Freedom Blue you have access to all of the benefits that are available under standard Medicare coverage including:

• primary care and specialist doctor visits
• inpatient hospital stays
• outpatient hospital services
• emergency room or urgent care services
• ambulance services
• durable medical equipment
• diagnostic testing, including X-rays and laboratory services

With Freedom Blue you get what you might not expect like:

• the freedom to see the Medicare-participating health care professionals you want without referrals
• one membership I.D. card to use for medical, drug and discount services
• access to advocates, health coaches and trusted professionals dedicated to helping you reach your highest level of wellness
• virtually no paperwork
• one plan that helps you take care of everything
• a basic gym membership at no additional cost to you.

You have access to the health care professionals of your choice with Anthem Freedom Blue

Freedom Blue, additional help for members dealing with chronic conditions:

Freedom Blue helps when dealing with a chronic condition can really impact your life.  Ongoing symptoms.  Visits to the doctor or emergency room.  Expensive medications and treatments.  After awhile, it can feel as if your condition has taken over your life.  The custom Care Connection program that is included with Freedom Blue PPO coverage may be just the solution you’ve been looking for.  The program includes access to nurses trained to help people with these conditions.  If you are enrolled in this Freedom Blue program, these nurses can help with any questions you have, give you information on treatments that are available for you to discuss with your doctor and be a resource that you can use.  Ultimately, you can learn how to manage your symptoms so they decrease and you can feel better.

With Freedom Blue, even more help for members dealing with multiple conditions.

Individuals dealing with more than one condition need extra support.  So that’s why your coverage also includes Integrated Care Management with access to nurse care managers who are dedicated to helping members with multiple conditions.  These nurse managers offer access to:

• lifestyle coaching
• tips for medication managememt
• coordination of care when you are being seen by more than one health care professional
• medical menagement programs that may augment the care you’re already receiving, and more!

What’s that mean?  Simply put, membership in on of the Freedom Blue PPO plans not only helps pay for your medical bills, but also gives you the tools you need to live at your highest level of wellness.

• Print Freedom Blue Application
• Freedom Blue Benefit Summary

To apply for a Freedom Blue plan; simply print and complete the Freedom Blue Application and either fax or mail to the address below along with your Medicare card (Red, White & Blue card).

Please feel free to call anytime with your Freedom Blue questions.

John Conner
Medicare Specialist
10425 Saddle Creek Drive
Sacramento CA 95829
www.JohnConner.com
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax
916-240-6422 - cell

Since 1967, Gerber Life Insurance Company has provided quality life insurance, especially for young families on a limited budget.  As an affiliate of the Gerber Products Company, “the baby food people,” the two companies share a common goal; to help parents raise happy, healthy children.  I’m here to help, so call today at: 800-700-1246, weekday or weekend.

It is also our mission to be the company parents and grandparents trust to help them achieve financial security and protection at every stage of life.  By providing affordable Medicare Supplement insurance for adults, we strive to give our customers the comfort and peace of mind they deserve.

Gerber Medicare Supplement Plans: 

• Your Gerber Medicare Supplement plan is guaranteed renewable.  It cannot be cancelled.  It will renew as long as the premiums are paid on time and the information on your application is correct.
• Your Gerber Medicare Supplement benefits will automatically increase as Medicare deductibles and coinsurance amount increase.
• You have 31 days from your renewal date to pay your premium.  Your policy will stay in force during this 31 day grace period.
• You cannot be singled out for a rate increase, no matter how many times you receive benefits.
• Your Gerber Medicare Supplement coverage begins immediately.  There are no waiting periods for preexisting conditions.  Benefits will be paid from the time your policy is in force.

Having quality health benefits is a vital part of your overall health care needs.  And these days, you have so many choices in your Medicare coverage.  So how do you choose the right company for you?  All you need is a Medicare plan that offers simplicity, access and a name you trust.

• Gerber Rates - Maryland
• Print - Gerber Application

Applying for a Gerber Medicare Supplement plan is Easy:  Simply print and complete the application (please call with any questions), then either fax or mail to the address below.  The processing time usually takes one week.

I’m here to help so please feel free to call anytime with your questions … 800-700-1246.

John Conner
Medicare Specialist
10425 Saddle Creek Drive
Sacramento CA 95829
www.JohnConner.com
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax

1. For 70 years Anthem Blue Cross has been building trust and dependability for as long as most Americans can remember.  Chances are you may have been part of the Blue Cross family at one time over the years through an employer or an individual / family plan.  In fact, Anthem has been a health benefit provider for over 70 years.  That’s way before Medicare began in 1965.  And while time have changed, we’re still helping people feel secure with the right coverage for their unique needs.  As you approach that important milestone of becoming eligible for Medicare, or if you have already reached it, we’ll continue to bring you reliable, quality coverage and flexible options as your health care needs evolve.
2. Low out-of-pocket costs - Every year your Anthem Medicare Supplement policy benefits coordinate with your medicare benefits to help you meet your eligible health care expenses.  depending on the plan you choose.  You can be sure your benefits won’t decrease.
3. Choose your own Doctors and Hospitals- With an Anthem Medicare Supplement policy you can choose any licensed doctor, specialist or hospital in the U.S., and you don’t need a referral.  This is a fantastic benefit especially when traveling.  Not only are emergency services covered, outpatient doctor visits are as well.  Stomach flu, twisted ankle, dizziness, whatever the symptoms, simply go to a doctor, specialist or hospital wherever you, and the benefits are covered the same as going to your own physician.  Also if you have a particular physician who you become unhappy with, you can vote with your feet, and choose a new personal physician of your choice.  A great way to do this is to talk to your friends and family and find out who they use.  There are no networks to confine you, you have complete freedom in choosing your health care providers.
4. Coverage that travels along with you- No matter where you travel, your Anthem Medicare Supplement policy coverage will follow.  Your plan membership card will be accepted by doctors and hospitals across the state and throughout the country.
5. Coverage is Guaranteed Renewable - Your Anthem Medicare Supplement plan will continue to renew annually.  And you cannot be singled out and penalized because of your health status.. 
6. No Claim Forms - We do all the paperwork for you!
7. Money Back Guarantee - Every Anthem Medicare Supplement plan comes with a 30-day “free look” period.  This means that you have 30 days after purchase to decide whether or not to keep your plan.  If you choose not to take the plan, Anthem Blue Cross will refund all of your money.  What a great deal!

With an Anthem Medicare Supplement plan you will also receive Vision and Hearing discounts:

• EyeMed: Up to 30 percent discount on eyeglasses, up to 20 percent discount off non-prescription sunglasses and up to 20 percent discount on eye wear accessories.
• LASIK Laser Vision Correction discounts.
• HearPo: Get a 40 percent discount on audiology services, testing, and on hearing aids.
• Fitness Club memberships discounts.
• Health and Wellness product discounts from: Barnes and Noble, drugstore.com, National Allergy Supply and Self-help programs.

Competitive premium pricing that you can afford.  Our Anthem Medicare Supplement plans are designed to help you manage your budget.  With a set monthly premium, and coverage available for Original Medicare’s deductibles, coinsurance and copayment, our Anthem Medicare Supplement plans are a great value.  With an Anthem Blue Cross Medicare Supplement plan you can have peace of mind knowing that your policy will help cover costs that without the Medicare Supplement policy you would be responsible for paying out of your pocket.

Medicare Supplement Rates:

• Anthem Blue Cross
• Blue Shield
• Aetna
• Gerber
• Mutual of Omaha
• Health Net

Please feel free to call anytime with your questions … 800-700-1246.

John Conner
john@johnconner.com
800-700-1246 - office
800-995-9913 - fax
916-240-6422 - cell

If you are considering a Medicare Part D plan for the first time or thinking about switching plans, you should know that our plans start by taking into account the two most important things you should loo for in a Part D plan: making sure your prescription medications are covered at an affordable price, and making sure you have a large selection of network pharmacies to choose from.

More drug coverage.  Your prescription drug needs aren’t the same as your neighbor’s.  That’s why we offer more than a one-size fits all plan, so you can find coverage that fits your health care needs and your budget.

More pharmacies to choose from.  With more than 62,000 network pharmacies available to our Part D members, including national chains, you’ll have the freedom to travel anywhere in the United States with the confidence that you can use your coverage when and where you need it.  And, chances are your trusted neighborhood pharmacy is in the network too, because we have one of the largest lists of retail independent pharmacies around.

More reasons to choose Anthem Part D:

• Plans have coverage for both brand-name and generic drugs.
• Some plans don’t have an up front deductible, so your drug coverage could begin as soon as you are a member.
• We even offer a plan that provides coverage for generic drugs once you’ve reached your annual initial coverage limit.

Security, Strength and Service.  You’ll have the security of knowing that your prescription drug coverage is provided by a company with solid strength and experience.  You’ll be part of a family you can count on because Anthem Blue Cross has been around for more than 70 years.  Plus, you will have the reliability of the Blue Cross brand, one of the most highly regarded and recognized names in health insurance.  In fact, one in three Americans carries a Blue Cross and Blue Shield card.

When can you join, switch or drop your Medicare drug plan:

• When you are first eligible for Medicare (the 7 month period that begins three month before your 65th birthday, the month of your birthday, and the three months after you turn 65.
• If you get Medicare due to disability you can join during the 3 month prior and the 3 months after your 25th month of disability.  You will also have the chance to join the 3 months prior to age 65 and the 3 months after.
• Between November 15th thru December 31st of each year.  Your coverage will start on January 1st of the following year, as long as your plan gets your enrollment request by December 31.
• Between January 1 and March 31 of each year if you already have prescription drug coverage.
• Anytime during the year if you have Extra Help or if you have both Medicare and Medicaid.

Part D Rx (PDP) Enrollment Application

Anthem Freedom Blue - Information

Please feel free to call anytime with your questions.

John Conner
John@JohnConner.com
800-700-1246 - office
916-240-6422 - cell

• Upon reaching Medicare eligibility, many people have found that while Medicare provides basic health care coverage, it’s not always enough.
• Medicare Part A provides hospital insurance, yet it does not cover the benefit period deductible of $1,100 in 2010.  This deductible is not an annual deductible like most health plans offer.  It is a “benefit period” deductible, which acts like a hospital deductible every 60 days (Here is a better expanation of how the Part A deductible works).
• Medicare Part B has an annual deductible of $155 in 2010, and typically covers only 80% of Medicare’s approved amount for medical care.  You are responsible for the other 20%.
• Anthem Blue Cross Medicare Supplement plans can cover the gaps and deductibles in coverage that Medicare alone doesn’t.

The Anthem Senior Medicare Supplement plans are designed to help you manage your budget.  With a set monthly premium, and coverage available for Original Medicare’s deductibles, coinsurance and copayments, our Medicare Supplement plans are a great value.  With a Medicare Supplement plan you can have peace of mind knowing that your policy will help cover costs that without the Medicare Supplement policy you would be responsible for paying out of your pocket.

Guaranteed Acceptance:

Your acceptance is guaranteed if you apply for coverage before or within six months of enrolling in Medicare Part B.  If you’ve been enrolled in Medicare Part B for more than six months, we’ll have to review your health history to see if you are eligible for the plan you selected.  If you are within your Medicare Open Enrollment window or replacing an existing Medicare Supplement plan, there is no waiting period before pre-existing conditions are covered.

The Anthem Blue Cross Medicare Supplement policy is guaranteed renewable - this means you can feel safe and secure knowing that the coverage you select will automatically renew each year.

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

Money Back Guarantee - Every plan comes with a 30-day “free look” period.  This means that you have 30 days after purchase to decide whether or not to keep your plan.  It’s that simple.

John Conner
john@johnconner.com
800-700-1246 - office
916-240-6422 - cell

Questions:

Health care is complicated.  Choosing a company.  Selecting a plan.  Understanding your coverage.  It’s all hard, but it doesn’t have to be.  You simply need to know what your choices are.  That is why I have developed this website for your convenience.  You can check rates, review plans and companies, leave comments or questions.  All meant to educate, and help you make the right decisions.  I even offer my office phone and cell phone number, because often times when a person has a question, they would like to have it answered now.  Not have to wait and leave a message, and hope to have a returned call.

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. 

Health Net Medicare Supplement plans offer the following plans: A, C, E, F, G, H and I.  Plan A covers only basic benefits, Plans C, E, F, G H and I 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.

Medicare Supplement Rates:

• Anthem Blue Cross
• Blue Shield
• Aetna
• 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.

 Health Net Medicare Supplement Rates - Effective: 7/1/2009