Health Net Innovative Plan F – includes Vision and Hearing coverage at no additional cost.
Are you Medicare eligible and living in California? If so you have many great options that benefit you when looking for a new or different Medicare Supplement plans, including the Health Net Innovative plan F.
Vision & Hearing is Included:
- Routine Eye Exam – One Vision Exam per 12 months.
- Eye-wear – Up to $250 allowance for frame and lens every 24 months or contact lens every 12 months.
- Routine Hearing Exam – One Hearing Exam every 12 months
- Hearing Aid(s) – includes fitting evaluation. $1000 benefit maximum for two hearing aids (one pair) or $500 for one hearing aid.
- Hearing services through “Hearing Care Solutions.
- Vision services through “EyeMed.com
If you are new to Medicare Parts A and B and find Medicare to be a confusing maze of paperwork, brochures, cover letters from your current health insurance company and other forms and mailings which you don’t understand or have the time to read.
This process doesn’t have to be that hard, in fact once you clear away the unnecessary minutia you will find Medicare and the plan options which improve Medicare to be a very easy system to navigate. Enrolling in any of these plans is easy and quick, I can take most of the information right over the phone. Please call anytime with questions.
If you would like a little help, or would like to view the different Medicare Supplement or Medicare Advantage options for California, feel free to contact me.
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 Medicare Supplement rates in California will depend you your current Zip Code or County you live in and your current age.
Medicare Supplement rates in California are arranged by age and Zip Code. Medicare Advantage plans like the Anthem MediBlue Plus plans are County specific. The plan has a premium or no premium for each county there are offered in.
MEDICARE SUPPLEMENT PLANS in California have been the same for several decades, on the other hand Medicare Advantage plans change every year. 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 typically HMO style plans have been popular for the person looking for a low priced plan with good benefits and includes the Part D Rx coverage.
Although with a Medicare Advantage HMO, you will not have freedom of choice with physicians or hospitals, and you still have may have gaps and out-of-pocket costs. Whereas with a Medicare Supplement (Medigap) plan you can see any doctor or hospital in the U.S. who accepts Medicare, and the coverage is very comprehensive.
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. 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 $15 – $40 per month, depending on your current medications.
Looking for Medicare Advantage? With a Medicare Advantage plan including the Health Net HMO plans in certain California counties. With most Medicare HMO’s you will have office copays, maybe a deductible to satisfy, 20% of chemotherapy (cancer treatments) costs, but the plan will include the Part D Rx coverage at no additional cost.
Your out of pocket maximum with the Advantage plans typically run between $2,900 – $6,500 per year, which include all of the copayments, percentages and deductibles. If a member happens to satisfy the “out of pocket maximum” at that point the plan will cover your medical costs at 100% for the balance of the year.
- Medicare Supplement Rates
- Medicare Advantage HMO & PPO
- Medicare Part D Rx info
- Guaranteed Issue Guidelines
No Cost Help … there is no charge for my services. The insurance companies provide a fee for me to help with coverage options, enrollment and service.