Sunnyvale California Medicare Supplement (Medigap) rates and plans are available from some of the most competitive and well respected insurance companies. The companies are: Aetna, Anthem, Blue Shield, Health Net and UnitedHealthcare.
New “Innovative” Medicare Supplement Plans:
Be sure to compare the new Anthem Medicare Supplement “Innovative” Plan F. This new plan is identical to the traditional plan F but it also includes “hearing” and “vision” benefits at no additional cost. Also the monthly premiums are less then before. Click here for info.
Sunnyvale area Hospitals …
El Camino, O’Connor, Santa Clara Valley Med Center, Palo Alto Medical Foundation, Stanford, Good Samaritan, Regional Medical Center of San Jose, San Mateo Medical Center, Mills Hospital.
New to Medicare Discount …
If you are new to Medicare and are enrolling into a Medicare Supplement, both Anthem, Blue Shield and Health Net offer a $15 – $25 per month discount for the first year you are on Medicare. That’s quite a savings.
Spouse Discount …
Most of the above companies also have a “spouse discount” with saving between 5% – 12%. If both enroll in the same company and plan, you premiums will be discounted.
Don’t forget your Medicare Part D Rx plan …
You will need to choose and enroll in a Medicare Part D Rx plan to help with your prescription costs. There are currently 26 Part D plans available for Sunnyvale (Santa Clara County) residents.
The best way to review and compare plans is to enter your medications into the Medicare website, it sorts the results showing the best plans for your medication list through the worst plan for your meds. If you need help with comparing Part D plans, give me a call, I’ll be happy to help. Here is a little info regarding the Medicare Part D.
Medicare Advantage HMO …
If you want to also take a look at the available Medicare Advantage HMO plans in the Sunnyvale area, you can do that here. Anthem, Blue Shield and Aetna all have several HMO’s to choose from. It’s very important to make sure your doctor is contracted with the plan you choose. If not you will need to find a new Primary Care Doctor when you enroll in the Medicare Advantage plan.
Sunnyvale and Santa Clara County currently only offer HMO Advantage plans. The available PPO Advantage plans are only in a few Southern California Counties.
Free to Choose your Doctors with a Medicare Supplement …
Medicare Supplement Policies, you are able to see any doctor hospital or provider as long as they accept Medicare. You can see doctors and hospitals in other cities, counties and States if you wish, there are no networks to check. If they accept Medicare, by law they must accept the secondary insurance, which in this case is the Medicare Supplement or Medigap plan.
Make Sure you have Medicare Part B …
When approaching age 65 or if you are already 65 but are on a group health insurance plan (in which care you do not need to start Medicare). In both cases you will need to check with Social Security to make sure your Medicare Part B coverage is starting when you want it to start. Medicare Part A starts automatically when you turn 65, although Medicare Part B (outpatient coverage) many time does not start when you turn 65 unless you notify Medicare.
You can call Social Security, or enroll in Part B online (Medicare.gov). You will need to have both Medicare Part A and Part B in place and active in order to enroll in any Medicare Supplement, Medicare Advantage or Medicare Part D plan.
When seeing an Anthem dentist you will enjoy a 25% to 40% savings right off the top, because of the contracted rates. These savings are also available during waiting periods, when you’ve gone over your yearly limit or when you’ve used up your benefits. Your dental costs will also be reduced even more with the plans 50% – 80% insurance coverage.
- Coverage for Orthodontics
- Coverage for Implants
Please feel free to call or email anytime with questions.