Medicare

2018 Medicare Supplement plans and rates. No doctor networks to fuss over.  As long as the doctor or hospital accepts Medicare, you are able to see them.  It’s as simple as that. Freedom to see any doctor or hospital in the U.S. who accepts Medicare. Over 95% of all providers nationwide.

MEDICARE SUPPLEMENT RATES:

Aetna       Anthem       Blue Shield       Health Net       Mutual of Omaha       UnitedHealthcare®

Plan F provides 100% coverage, which means when you see a doctor or hospital, you do not pay a co-pay or deductible.  Plan G is similar to Plan F, although it has an outpatient deductible of $183.  Plan N, you are responsible for the $183 deductible along with a $20 copay for outpatient visits.

Medicare Advantage (HMO & PPO)

Medicare Advantage plans  (Anthem, Blue Shield, Aetna) and UnitedHealthcare) are typically HMO with a few PPO plans depending on your County of residence. Most HMO’s have a $0 monthly premium which includes the Medicare Part D Rx plan at no additional cost to you.  The Annual Open-Enrollment period starts every year on October 15 and ends December 7.

Other Links:

Please use this site as a resource for plan and rate information. Click any of the buttons below to view the company Medicare Supplement rates in your area.  Or better yet call me and I’ll give you the rates for the different companies and plans right over the phone.

Medicare Part D Rx plans You will also need to enroll in a separate Medicare part D Rx plan, which will help you pay for your prescription costs.  A good place to start your search is right here.  Simply email a list of your current medications along with the dosage and frequency.  I’ll run the comparison for you, the results will be emailed back to you  which will be the top 3 most cost effective plans for your prescription list.

Tobacco rates do not apply during open enrollment or guaranteed issue situations in the following states: California Colorado Illinois Louisiana Missouri New Hampshire New York* North Carolina Tennessee Vermont* Wisconsin * Tobacco rates never apply in New York, Vermont.

Common Open Enrollments:

  • The Initial Enrollment Period: You have a 7 month window of opportunity, starting 3 months prior to your Medicare Part B coverage month start date, the month of the start date and ending 3 months after the month of your birthday or Part B start date.  During this time you can choose any Medicare Supplement plan or company providing coverage in your resident state.
  • Special Enrollment for Part B: Part B enrollment may be delayed if you are over age 65 and  have group health insurance as a result of your current employment or your spouse’s current employee health plan.  Or, you are disabled and continue your employers group health insurance plan.  In any of these instances, you will qualify for a special 63 day enrollment period beginning the month after the termination of your group health insurance.  If you do not enroll by the end of this grace period, you will have to answer the health questions on the application and be approved medically.
  • Birthday Rule California has what is called the Medicare Supplement Birthday rule.  Members are able to switch companies each year on your birthday month regardless of health status.

BIG SAVINGS WITH ANTHEM DENTAL

When seeing an Anthem in-network 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 plan insurance coverage.  Along with over 87,000 contracted dental offices nationwide.

Be careful:  Medicare provides no coverage outside the U.S.  International Travel Insurance

No Cost Assistance … I work with nationally recognized insurance companies to give you the quality, affordable insurance you’re looking for. I will never spam you or sell your information. Best of all, my assistance is no cost to you.

Please call anytime with questions or more information.

John Conner
916-682-1117
john@johnconner.com

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