All California Medicare Supplement policies must be the same, regardless of the company you purchase it from. Medicare Supplement plans have nationally standardized benefits, which means if you compare a Plan F from company “A” you will see the benefits are identical to the Plan F from company “B.” California Medicare Supplement companies such as: Blue Shield of California, Anthem Blue Cross, Gerber, Sentinel Security, Health Net, and Mutual of Omaha all have the same benefits regardless of who you enroll in.
Most Companies offer a 30 Day Free Look period. You can cancel your policy within 30 days and receive all of your money back!
Quick Links …
Compare rates, there is no reason to be locked into a higher monthly premium simply because of the company you are with. Click the link below to view rates.
California Birthday Rule … If you currently have a Medicare Supplement plan and live in California, you are one of the fortunate ones! You are able to utilize the “Birthday-Rule” which is only available in the great State of California.
How it works is, each year on the month of your birthday, you are able to enroll in any other Medicare Supplement company in California to a plan with the same benefits or less. In other words if you have a Plan F with company “A” and you notice company “B’s” plan F is offered for a smaller premium, you can simply enroll during the month of your birthday regardless of your current or past health status. You are not required to answer any health or prescription questions. The Birthday Rule is a “Guaranteed-Issue” situation.
If you are satisfied with your current Medicare Supplement policy’s cost and coverage and the customer service you receive, you don’t need to do anything. If you are thinking about switching your policy to a different company you have a few options:
- If you are still within your first 6-month Medicare Supplement “Open Enrollment Period.”
- If you live in California which allows you to switch each year on the month of your birthday – regardless of current health status (Birthday Rule – more info).
- Or if your current company is going to leave the marketplace, in other words they are closing their doors.
- Or, you can simply apply to another Medicare Supplement company whenever you like. Simply complete the application and fax it to me, and I’ll do the rest.
If you decide to switch, don’t cancel your current Medicare Supplement policy until you have decided to keep the second policy. You have 30 days to decide if you want to keep the new Medicare Supplement policy, this is called your “free look period.”
Enrolling is Easy … Call or email, and I will send you the appropriate company application. When finished simply fax or email back to me. I will make sure the process is quick and accurate.
Please feel free to call or email anytime with questions.