2016 Anthem Blue Cross Medicare Supplement (Medigap) plans F & N, and Anthem’s Medicare Advantage plans. Both types of plans are for anyone who is now on Medicare. Call today for more details.
With any Medicare Supplement plan you are able to receive services from any doctor or hospital in the U.S. who accepts Medicare. That’s nearly 96% of all providers nationwide. Freedom of choice and very comprehensive plan benefits, there’s nothing better than a Medicare Supplement. Call today for the enrollment forms for your area. Other Company Rates.
Save $180 … Anthem offers the “New to Medicare Discount of $15 per month off their Medicare Supplement plan F premiums. As long as you are within 6 months of your Medicare Part B effective date, the discount is for the first 12 months of coverage and will end at the policy’s one year anniversary.
Anthem MediBlue Medicare Advantage HMO & PPO … Open Enrollment for Medicare Advantage & Part D Rx plans is from October 15 through December 7. This is a great time to find the best 2016 Part D Rx plan for your medication list. If you are new to Medicare you have 3 months to enroll in a Medicare Advantage, or if coming off of an employer health insurance plan, you have 60 days to enroll. Call me if you need any little help finding the right plan.
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 you search is right here. Simply email a list of your current medications along with the dosage and frequency. I’ll enter the information into the Medicare system, to come up with the top 3 plans for your prescription list. The results will show the best three plans for coverage and cost for your medications. I will then email the results to you.
Under Age 65 Medicare Supplement … For the Medicare Member who is on disability and under age 65. Some states make the insurance companies provide Medicare Supplement policies to those who wish to enroll as long as the enrollment is during a guarantee-issue time frame. Some states to not provide under age medicare supplement policies so the only available options are to stay on original Medicare or enroll in a Medicare Advantage plan.
Guarantee Issue Rules for Medicare Supplement Policies … Medicare Supplement policies do not have an annual open-enrollment period like Medicare Advantage policies. In order to be offered a policy on a guaranteed issue basis, one must enroll within 6 month of starting Medicare, or within 2 months of exiting an employer health insurance policy. There are many “guarantee issue” rules, you can see them here.
Medicare “Excess Charges” … These are extra charges a doctor can charge if the doctor does not accept the Medicare “fee schedule.” The doctors are still considered Medicare doctors, although under a different contract. Some Medicare Supplement plans pay excess charges, and some don’t.
Medicare members choose Anthem because of their plan choices, ease of use, consistent rates and quick and accurate administration. Use the Medicare Supplement plans anywhere in the U.S. with any Medicare approved doctor.
You can change your Medicare Supplement plan and company anytime of the year. Why wait, start saving money today by switching companies.
- Stable premiums. In most cases, Anthem members will pay less over a 3 to 5 year period compared to other companies.
- Access to any physician or hospital who is Medicare-Approved in the US. (No referrals necessary).
- $0 out of pocket costs when you see a doctor or hospital with Plan F.
- Policy cannot be canceled from underneath you regardless of claims history.
- No claim forms.
- Some companies will have two rates; a “new member rate” and also a “current member rate.” They will advertise the lower “new customer ” rate, while their existing members are paying the higher “current customer rate.” Anthem has doesn’t play these games, they have only “1” rate which I believe is much better for their customers.
There are 11 Federally standardized Medicare Supplement plans (A, B, C, D, F, High Deductible F, G, K, L M and N). All insurance companies offering Medicare Supplement plans must offer Plan A, although do not have to offer any others. The Anthem Blue Cross Medicare Supplement plans consist of plans; A, F, and N.
Original Medicare is essentially a national health care program for people age 65 or older, or for individuals under age 65 with certain disabilities and / or with ESRD (end-stage renal disease – kidney failure). Original Medicare is quite good coverage, although there are many gaps (deductibles, coinsurance, copays, etc.) which are not covered by Medicare that you need to be aware of.
Open- Enrollment … During this ‘open enrollment’ period Anthem Blue Cross or any other company must enroll you into the Medicare Supplement plan of your choice. You can use your Open Enrollment privileges more than once during the 6 months after starting your Medicare Part B coverage. For example, you may change your mind about your initial company or policy you enrolled in, cancel it, and enroll in a new Medicare plan from the same or different company.
Your right to Open Enrollment is absolute … The 6-month window starts the first day of the month when your Medicare Part B coverage goes into effect. Also, if you have stayed on an “Employer Health Insurance Plan” long after the 6-month window expires. You can still take advantage of “Guaranteed-Issue” rights when leaving a Group Health Insurance plan. In California, there is a very unique annual option called the Birthday-Rule, you can read more about it here. This rule allows a current Medicare Supplement member to switch to a new company to the same plan or one with less benefits every year on the month of their birthday.
Medicare Covered Services … In general, Medicare covered services are considered medically reasonable and necessary to the overall diagnosis and treatment of the beneficiary’s condition. Services or supplies are considered medically necessary if they:
- Are proper and needed for the diagnosis or treatment of the beneficiary’s medical condition.
- Are furnished for the diagnosis, direct care, and treatment of the beneficiary’s medical condition.
- Meet the standards of good medical practice.
- Are not mainly for the convenience of the beneficiary, provider or supplier.
Medicare pays for care in … the U.S. (the Centers for Medicare & Medicaid Services (CMS) recognizes the 50 states, the District of Columbia, Commonwealth of Puerto Rico, Virgin Islands, Guam, Northern Mariana Islands, American Samoa, and territorial waters adjoining the land areas of the U.S. and being within the U.S. Other than the above locations, Medicare will not cover you internationally.
30-Day Free Look … If you are still not sure whether to keep your Anthem Blue Cross Medicare Supplement policy, you can simply cancel the policy and receive all of your money back … No questions asked.
Open Enrollment Season … The Annual Open Enrollment period for Medicare Advantage plans and Medicare Part D Rx plan is every year from October 15th thru December 7th. If you are currently a Medicare Advantage member, or wish to enroll into a Medicare Advantage plan, you should review the plans annually. They change a bit each year. If you need a little help, please feel free to call anytime. I’ll be happy to help.
Enrolling is easy … Call or email today for the enrollment form in your state. Then simply complete the Anthem Medicare Supplement application and either fax, email or mail it back to me, I’ll make sure the application process is quick and accurate and you are enrolled with your desired effective date.
Travel Insurance – Medicare does NOT cover outside the U.S. And health insurance provides little and often no coverage when vacationing, traveling, working or living outside our borders. If you are traveling abroad, here are a few things you need to know: Click Here
No Broker Fees … My advice and services are free of charge. No broker fees ever!
Call today for the Medicare Supplement Rates in your area.