2016 Anthem Blue Cross Medicare Supplement

2016 Anthem Blue Cross Medicare Supplement (Medigap) plans F and N and their 2016 Medicare Advantage plans, for anyone who is now on Medicare.  Call today and I’ll give you the rates right over the phone.

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.

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Medicare Supplement:

The Medicare Supplement Advantage … 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.  Freedom of choice and very comprehensive plan benefits, there’s nothing better than a Medicare Supplement.

Medicare Advantage:

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. Call me if you need a little help finding the right plan.

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Medicare members choose Anthem because of their plan choices, ease of use, consistent rates and quick and accurate administration.  Use the plans anywhere in the U.S. with any Medicare approved doctor.

Quick Links:

You can change your Medicare Supplement plan and company anytime of the year.  Why wait, start saving money today by switching companies.

Why Anthem?

  1. Stable premiums. In most cases, Anthem members will pay less over a 3 to 5 year period compared to other companies.
  2. Access to any physician or hospital who is Medicare-Approved in the US. (No referrals necessary).
  3. $0 out of pocket costs when you see a doctor or hospital with Plan F.
  4. Policy cannot be canceled from underneath you regardless of claims history.
  5. No claim forms.
  6. Some companies will have two rates; a “new customer rate” and 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 the member.

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.

Blue Shield  –  Mutual of Omaha  –  Anthem Blue Cross  –  Health Net  –  Gerber  –  Aetna  Anthem Medicare Advantage  –  Travel Insurance

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.

Medicare chart 2016

Guaranteed Issue … New to Medicare, coming off of an Employer Group Health plan, your Medicare Advantage plan is being canceled? These and many other “qualifying events” allow you to enroll into an Anthem Blue Cross Medicare Supplement policy “Guaranteed” regardless of your current or past health status. Read more here to review the Guaranteed-Issue options here. If, you are at least 65 or under-age 65 (in certain states) and are within 6 month after your Medicare Part B coverage starts, this 6-month window is called “the Initial Open Enrollment period.”

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 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.  Here is a good place to start.

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.

medical evacTravel Insurance – Medicare does not provide coverage outside the U.S.  Also, our health insurance only 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 be aware of: Click Here


Free Service … Our advice and services are free of charge, and the premium you pay should you buy a policy through us will never be higher than going direct to the insurer.

Call today, there’s no obligation, and I’ll answer your questions right over the phone.

John Conner


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19 thoughts on “2016 Anthem Blue Cross Medicare Supplement

  1. mary glasgow

    Can you give me a quote for Anthum Plans:
    F & High F?
    I am fenale, DOB 7/21/1937
    I am NOT interested in Rx prescription plans
    Zip code 63028

  2. John Post author

    Hi Kelly, in order to qualify for a Medicare Supplement policy, you must be in a “Guarantee-Issue” situation. Otherwise you will need to answer the health questions on the enrollment form, and not be accepted.
    Kelly if you are in a guarantee issue period or situation, please let me know and I’ll see what is available in your area.

    Thank you .. John Conner

  3. Kelly

    I’m 61 yrs old with esrd, on dialysis. I already have medicare A & B. I need medicare supplement plan and plan d. My zip code 91710. How much will it cost ?

  4. John Post author

    Hi Carole, I’m not sure if you received my previous message .. I need your age so I can send you an accurate Plan F quote.

    Thanks Carole.

  5. John Post author

    Hi Jim, that’s nice of you to say, and I’m glad I could help. I’ll be happy to help any of your friends. Thanks again Jim … John Conner

  6. Jim Herdrich

    Hi John, I spoke with you earlier this morning about perscription coverage and just wanted to thank you for your help. I did call the Humana number you provided and was able to get information and change my plan with their automated service, which will save me over $100/yr. I have book marked your web page and will happily refer you to my friends when ever possible. Thanks again, Jim

  7. John Post author

    Hi Denise, I’ll be happy to. What is your age and zip code, and I’ll forward the rates.

    Thanks … John Conner

  8. Denise Combass

    Can you tell me what the 2016 Medigap Schedule F high deductible will be?

    Thanks so much!

  9. Jean E Gaudreau

    What is the price for a medigap F plan for blue cross / shield- anthem supplement to medicare plan. So Portland, Maine 04106

  10. John Post author

    Hi Patty, I’ll be happy to forward the available plans and rates for your area. Are you looking for a Medicare Supplement or a Medicare Advantage HMO? Also, what is your age and zip code.

    Thank you … John Conner

  11. John Post author

    Hi Adam, with Plan N you can see any doctor or hospital who accepts Medicare. And as far as rehab, it the services is medically approved then Medicare and the Plan N will pay their portions.

    Hope that helps. Thanks … John

  12. Adam Thropay

    Need to know if Plan N – which says I may choose any hospital – will cover rehab services at Rancho Los Amigos hospital in Downey, CA

  13. John Post author

    Hi, I’ll be happy to forward the rates for the different plan F companies in your area. What is your age and zip code so I can provide you with the correct rates.

    Thanks .. John Conner

  14. Mary ann mendez

    Need prices for blue cross or blue shield medicare supplement plan f with no deductible or copays. Need d coverage too

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