Anthem Innovative F Medicare Supplement California

Anthem Blue Cross Medicare Supplement2019 Anthem Medicare Supplement Innovative Plan F now has a lower premium than their traditional plan F and includes Vision and Hearing coverage for all California residents enrolled in the plan.

The three most popular medicare supplement plans are; Innovative F, G and N.  Each a little different from the other.

  • Plan F = 100% hospital and outpatient coverage.
  • Plan G = 100% hospital, $185 annual outpatient deductible, then 100% coverage.
  • Plan N = 100% hospital, $185 annual deductible the a $20 copay for outpatient visits.

Anthem Innovative Plan F:

Includes Vision and Hearing coverage at no additional cost.  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.  Also the monthly premiums are less then before.

Anthem MediBlue Plus (Medicare Advantage)  The Anthem Blue Cross Medicare Supplement plans G, F and N are very popular throughout California, and enjoy very competitive premiums state wide.

The Anthem Blue Cross MediBlue Plus Medicare Advantage plans in Northern and Southern California are HMO plans which are mostly $0 (zero) premium plans depending on your county, making them one of the most enrolled in Medicare Advantage plans through out California.

All Medicare Advantage plans are “primary” coverage which means Medicare does not typically pay for any services.  The Advantage plan is your Primary coverage  When a person has a Medicare Supplement policy, Medicare is Primary and the Supplement is secondary coverage and pays the deductibles, percentages and other out of pocket costs which Medicare does not pay for.

Every state offers Medicare Supplement plans along with Medicare Advantage plans, which allows a person plenty of choice to find the plan which provides the best protections at the best price for their unique needs.

Anthem Medicare Supplement Plans … You are not going to find a plan which provides better access to care or more comprehensive coverage than a Medicare Supplement policy.  With an Anthem Medicare Supplement plan you can see any doctor or hospital in any state who accepts Medicare.

For example if you live in Sacramento and want to see a specialist in Texas or Indiana and they accept Medicare, make the appointment and go, it’s that simple.  No networks of physicians or territories to fuss with.

As far as coverage, the Anthem Medicare Supplement plan F provides 100% coverage.  If you need services from a physician, specialist or hospital, with a plan F you don’t pay a thing!  No copays, deductibles or percentages.

Anthem Blue Cross Medicare Advantage HMO Plans … Medicare Advantage plans are typically HMO’s with a few PPO’s depending on the County.  They look and feel much like an employer health insurance plan, with co-pays, deductibles, percentages and other out of pocket costs.  The Medicare Advantage plans also include the Medicare Part D Rx plan at no extra cost.

Medicare Advantage plans are also very affordable, typically $0 to $30 per month.  There is an annual “Open-Enrollment” period which starts October 15 and ends December 7 each year  This allows you to compare other companies in your area, and switch if you choose to.

One of the problems with Medicare Advantage plans is they change every year.  Benefits, premiums and doctor / hospital networks.  Sometimes the company will even cancel the plan all together.  If you would like to see what Medicare Advantage plans are in your area, call or email your zip code and I can provide you with info on the plans in your county.

Medicare Part D Rx Plans … If  you have a Medicare Supplement policy, 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 gather the information and 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.

Anthem Dental PPO:  Brochure &  Application

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help with coverage options, enrollment and service.

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

Medicare Supplement Plan F G N Rates in Stockton

Residents in Stockton (San Joaquin County) enjoy some of the best Medicare Supplement rates in the State of California.

Medicare members who are looking for freedom of choice with doctors and hospitals will choose a Medicare Supplement over a Medicare Advantage plan in Stockton because San Joaquin county only offers Medicare Advantage HMO’s, which of course provide very limited choice when seeking different doctors and specialists.

Stockton Medicare Supplement Rates

Remember with a Medicare Supplement you can see any Medicare-approved doctor in the U.S.  That’s over 95% of all medical providers nationwide.

Other cities besides Stockton with the same rates are Tracy, Manteca and Lodi.  Click the link above and find your zip code for the current Stockton Medicare Supplement Rates.

Stockton

Stockton has had some pretty harsh press of late.  As an outsider anyone reading the negative articles would think she is in a serious way.  I’m not downplaying the serious issues Stockton is confronted with, but I will say Stockton does have some very shiny nuggets to be proud of.  The University of the Pacific, Banner Ball park which hosts the Stockton Ports, the Stockton marina and Delta, the dozens of vineyards and wineries and of course the city which introduced Dave Brubeck and Alex Spanos. Personally, I am a big fan of Stockton.

Don’t forget your Medicare Part D Rx plan to help pay for your prescription costs.  Part D plan have an open enrollment period each year from October 15 through December 7.  This period allows current members to compare plans, review changes and enroll in new plans for a January 1 effective date.  If you choose to stay with the same plan and company, you don’t have to do anything, the plans typically renew annually  (You can read more here).

Dental plans are considered “stand-alone” policies so you don’t necessarily have to enroll at the same time you enroll into your new Medicare Supplement plan.  Anthem has a popular Senior Dental PPO plan available to anyone in California over age 65.  Click here for the plan details and price.

Switching companies is pretty simple.  If you are in a “guarantee-issue” situation or period, you don’t need to answer any of the “medical” or “prescription” questions, it’s a very quick and easy enrollment.  If you wish to switch mid-year, include the health questions on the application and let the company go through their process.  It usually takes a couple weeks for everything.

MEDICARE SUPPLEMENT PLAN ELIGIBILITY:

You can apply for a Medicare Supplement plan insurance policy if you are:

  1. A resident of a state where the policy is offered
  2. Enrolled in Medicare Parts A and B
  3. Age 65 or over or, in some states, under age 65 with a disability and/or end stage renal disease (plan offerings and eligibility vary by state).

Plus, you may qualify for guaranteed issue into a Medicare Supplement plan, regardless of your medical history, if you meet certain criteria such as applying during your Medicare Supplement Open Enrollment Period.

Questions?  Please contact me anytime.

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

Questions & Comments:

Palo Alto Medical Foundation – Find a Doctor

Sutter Health’s Palo Alto Medical Foundation and United health Care collaborate to improve patient care in Northern California.

More than 63,000 United health Care employer sponsored health plan participants in Northern California will benefit from improved care coordination and enhanced health services.

Palo Alto CA – Business wire:  Palo Alto Medical Foundation (PAMF) and United Healthcare have launched an accountable care organization (ACO) to improve how patient care is coordinated and delivered for more than 63,000 Northern California residents enrolled in United Healthcare’s employer sponsored health plans.

The ACO will help shift California’s health care system to one that rewards quality and value instead of volume of procedures performed.  Specifically, the ACO will transform PAMF from a fee-for-service compensation model to a value based approach in which the organization is rewarded for achieving certain evidence based measures – such as hospital readmission rates, disease management and prevention, and patient safety – as well as total cost savings.

PAMF and United Healthcare’s partnership is one of 250 new accountable care programs United Healthcare has committed to in 2015 as it engages in deeper, more collaborative relationships with physicians and hospitals across the country.

Palo Alto Medical Foundation

Palo Alto Medical Foundation is part of Sutter health, a family of not-for-profit hospitals and physician organizations that share resources and expertise to advance health care quality throughout Northern California. Founded in 1930,  the PAMF is a health care organization that is a pioneer in the multi-specialty group practice of medicine, health innovation and patient-centered care.

PAMF’s more than 1,200 affiliated physicians and 5,400 employees serve nearly 850,000 patients at its medical centers and clinics in Alameda, Contra Costa, San Mateo, Santa Clara and Santa Cruz counties.

“The Sutter health network of care providers places a high value on coordinating care,” said Jeffrey Burnich, M.D., senior vice president of Medical and Market Networks at Sutter Health.  “We’re excited about the potential for this new partnership to improve patient care.”

Through this collaboration, United Healthcare will complement PAMF’s own data by providing additional support to manage overall population health, including technology and information that will help the group’s more than 500 primary care physicians take specific actions that improve quality and lower costs.  Actionable data may include patient profiles, specific HEDIS performance measures on care and service, and real time notification of ER and inpatient admissions.

Patient navigators may also be used to support community based care coordination, such as helping with transition plans after an individual is discharged from the hospital.  This approach will enable physicians to identify best practices for overall patient wellness and disease management.

Accountable Care Organizations

Accountable Care Organizaations (ACOs) are groups of doctors, hospitals and other health care providers, who come together voluntarily to give coordinated high quality care to the patients they serve.  Coordinated care helps ensure that patients, especially the chronically ill, get the right care at the right time, with the goal of avoiding unnecessary duplication of services and preventing medical errors.  When an ACO succeeds in both delivering high quality care and spending health care dollars more wisely.

United Healthcare employer sponsored plan participants who currently receive care from PAMP providers will not have to do anything differently to benefit from this new relationship.

Care providers nationwide are showing strong interest in a shift to value based care.  United Healthcare’s total payments to physicians and hospitals that are tied to value-based arrangements have nearly tripled in the last three years to $38 billion.  By the end of 2018, United Healthcare

Questions?

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

Questions & Comments:

 

Blue Shield Medicare Supplement Rates in San Diego

Blue Shield Medicare Supplement plans and rates in San Diego are available for enrollment year around.

San Diego Residents have a wide range of choices with Blue Shield.  Medicare Supplement plans along with the Blue Shield 65 Plus Medicare Advantage HMO plan.  Is a Medicare Supplement right for your situation?  Or maybe a Medicare Advantage HMO fits your needs and budget.

If you would like to compare Medicare Supplement rates in San Diego County be sure to include; Blue Shield, Anthem Blue Cross, UnitedHealthcare and Health Net.  They are all very competitively priced through out San Diego County.

Not only does San Diego county offer some of California’s lowest Medicare Supplement rates, San Diego also has some of the finest Hospitals and medical facilities in the country.

  • Sharp Hospitals in; Coronado, San Diego and Chula Vista.
  • Scripps Hospitals: La Jolla, San Diego and Encinitas.
  • Grossmont Hospital in La Mesa
  • Fallbrook Hospital; Fallbrook.
  • Palomar Hospital in Escondido.
  • Tri-City Medical Group in Oceanside.
  • Parodise Valley Hospital in National City.
  • University of San Diego Medical Center in San Diego.
  • Alvarado Hospital in San Diego.
  • Pomerado Hospital in Poway.

San Diego offers a great lifestyle; beautiful beaches, weather, entertainment along with quality and great access to care and Medicare Supplement rates which provide more Medicare plan options to you!  This is a great combination for any Medicare member living in the San Diego area.

Medicare Advantage:

If a Medicare Advantage plan is more to your liking.  San Diego County in 2019 offers 30 Medicare Advantage plan, all are HMO’s including the very popular Blue Shield 65 Plus plan.

The Medicare PPO plan offers greater flexibility when visiting doctors, and remember with HMO style of plans, you must choose a Primary Care Physician (PCP) when you enroll.  This PCP is the doctor who organizes your care and will refer you to the necessary specialists within the same medical group.  Medicare Advantage plans include the Medicare Part D Rx coverage.  Medicare Advantage Plan info.

Medicare Supplement:

People buy Medicare Supplement plans for 2 reasons:

1) ACCESS – They provide the greatest access to doctors and hospitals.  There are no networks to navigate, or needed referrals for specialist visits.  With a Medicare Supplement you can see any doctor or hospital in the U.S. who accepts Medicare.  It’s that easy.  If the doctor accepts medicare, make the appointment and go.  No more fussing with networks.  Even if the doctor is in another State, if they accept Medicare you can see them.  It’s a great system, so take advantage of it.

2) COVERAGE – the popular Medicare Supplements (Plans G, F, N) provide the most comprehensive coverage. Either 100% coverage (Plan F) or a small $183 deductible (G & N) or possibly a outpatient copay of $20 (Plan N).  This coverage is tough to beat.

Travel InsuranceMedicare does not provide coverage outside the U.S.

If you have any questions regarding the different plans or which may work better for your situation and budget, feel free to contact me anytime. I will be happy to answer all of your questions.

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

Blue Shield Medicare Supplement Plan N San Jose CA

Blue Shield Medicare Supplement Plan N is one of the lowest priced plan N out of the the other popular Medicare Supplement companies.

Depending on your age and zip code, your savings with a Blue Shield Plan N compared to Plan F can be significant.  Anywhere from $50 up to $150 per month savings with the plan N.

Blue Shield Plan N Monthly Savings: $50 to $150 / month

Finding a Medicare Supplement plan in the San Jose California area is easier then ever.  Rates and plan information are right at your fingertips, you can compare the San Jose Medigap rates, and see who are the competitively priced companies in the South Bay area.

Blue Shield Medicare Supplement “F Extra” includes Vision & Hearing

Most people living outside of this area think of San Jose as the heart of the modern day Silicon Valley.  They don’t realize San Jose was the first California civilian settlement founded in 1777 as the Pueblo of San Jose.  It was also the first State Capitol of California.

Also take a look at the new Anthem and Health Net “Innovative F ” which includes “Vision” and “Hearing” benefits – Click here

The reason I mention this is, San Jose is the third largest city in California behind Los Angeles and San Diego, so with this, a person looking for Medicare insurance will have plenty of options.  So many options that the research and comparison shopping can become quite confusing and time consuming.

Most who are considering a San Jose Medicare Supplement plan will look at the prices first.  There is typically no reason to go with a higher priced company.  You will most likely not gain any extra services simply because the premium is higher.

Medicare Supplement Companies

Blue Shield, Anthem Blue Cross, Aetna, Mutual of Omaha, Health Net and UnitedHealthcareSee all the rates here

4 Parts to A Medicare Supplement:

  1. First, you will need both Medicare Part A & B.  “A”is the Hospital coverage (this typically starts automatically when you turn 65).
  2. Second, you will need to enroll in Medicare Part B, outpatient services and medical equipment.  The annual deductible is $185 then you owe 20% of medicare part be costs.
  3. Third, is your Medicare Supplement plan from the company of your choice.
  4. Fourth, is to enroll in a Medicare Part D Rx plan to help pay for your prescription drug costs.

That’s it.  It may seem like a lot, but once you are on medicare for about a year, this will all make sense.

ENROLL …  It’s simple, once you choose a company and plan, I can help you through the enrollment process and make sure the process is quick and accurate, with your desired effective date.

Medicare stops at the border:

Whenever you leave the U.S. for vacation, to live part of the year, study, or simply to see the world.  Medicare does not go with you.  Adequate health insurance protection is only provided when you enroll in an International Health Insurance plan, which goes with you worldwide.

Short-Term and Long-Term coverage for anyone living, working or studying abroad.  Click Here.

Blue Shield PPO Dental  –  Brochure

call today.

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

Questions:

Health Net Medicare Supplement Innovative Plan F Rates

Health Net Innovative Plan F – includes Vision and Hearing coverage at no additional cost.

Are you Medicare eligible and living in California?  If so you have many great options that benefit you when looking for a new or different Medicare Supplement plans, including the Health Net Innovative plan F.

Vision & Hearing is Included:

  • Routine Eye Exam – One Vision Exam per 12 months.
  • Eye-wear – Up to $250 allowance for frame and lens every 24 months or contact lens every 12 months.
  • Routine Hearing Exam – One Hearing Exam every 12 months
  • Hearing Aid(s) – includes fitting evaluation. $1000 benefit maximum for two hearing aids (one pair) or $500 for one hearing aid.
  • Hearing services through “Hearing Care Solutions.
  • Vision services through “EyeMed.com

If you are new to Medicare Parts A and B and find Medicare to be a confusing maze of paperwork, brochures, cover letters from your current health insurance company and other forms and mailings which you don’t understand or have the time to read.

This process doesn’t have to be that hard, in fact once you clear away the unnecessary minutia you will find Medicare and the plan options which improve Medicare to be a very easy system to navigate.  Enrolling in any of these plans is easy and quick, I can take most of the information right over the phone.  Please call anytime with questions.

If you would like a little help, or would like to view the different Medicare Supplement or Medicare Advantage options for California, feel free to contact me.

Depending on the city in which you live; Sacramento, San Jose, San Francisco, Fresno, Long Beach, Los Angeles, San Diego or any other city or region of California, the Medicare Supplement rates in California will depend you your current Zip Code or County you live in and your current age.

Medicare Supplement rates in California are arranged by age and Zip Code.  Medicare Advantage plans like the Anthem MediBlue Plus plans are County specific.  The plan has a premium or no premium for each county there are offered in.

MEDICARE SUPPLEMENT PLANS in California have been the same for several decades, on the other hand Medicare Advantage plans change every year. Medicare Supplement plans rarely change and are federally standardized, meaning a Plan F for a company in California must provide the same benefits as any other plan F in the United States.

MEDICARE ADVANTAGE PLANS which are typically HMO style plans have been popular for the person looking for a low priced plan with good benefits and includes the Part D Rx coverage.

Although with a Medicare Advantage HMO, you will not have freedom of choice with physicians or hospitals, and you still have may have gaps and out-of-pocket costs.  Whereas with a Medicare Supplement (Medigap) plan you can see any doctor or hospital in the U.S. who accepts Medicare, and the coverage is very comprehensive.

WHAT ARE YOUR COSTS?  With a Medicare Supplement plan in California you will have a monthly premium for the Supplement.  You will also need to purchase a Medicare Part D Rx plan to cover your prescriptions.  Plan F will cover virtually all of your Medical costs, so you will not have any out of pocket expenses.  The Part D Rx plan will cost approximately $15 – $40 per month, depending on your current medications.

Looking for Medicare Advantage?  With a Medicare Advantage plan including the Health Net HMO plans in certain California counties.  With most Medicare HMO’s you will have office copays, maybe a deductible to satisfy, 20% of  chemotherapy (cancer treatments) costs, but the plan will include the Part D Rx coverage at no additional cost.

Your out of pocket maximum with the Advantage plans typically run between $2,900 – $6,500 per year, which include all of the copayments, percentages and deductibles.  If a member happens to satisfy the “out of pocket maximum” at that point the plan will cover your medical costs at 100% for the balance of the year.

Links …

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help with coverage options, enrollment and service.

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

Questions & Comments:

Anthem Medicare Supplement G F N Plan Rates Elk Grove CA

Medicare Members living in and around the Elk Grove area and all of Sacramento County, can view all available Anthem Medicare Supplement plan G, F and N rates right here.

Elk Grove which is at the southern tip of Sacramento County enjoys great Medicare Supplement rates for it’s residents.

Quick Links:

Elk Grove area Medicare Providers

The rates are the same whether you live on the older Elk Grove side of 99, or the Laguna side of town.  Also, living here you will enjoy a wide variety of physician groups such as; Sutter Medical Group, UC Davis, Mercy and Hills Physician Group to name a few.

A few of the companies to look at first:  Anthem, Blue Shield, Health Net and UnitedHealthcare.

DISCOUNTS – Blue Shield offers a $25 premium discount for the first twelve months you are on Medicare, and Anthem and Health Net both offer a $20 per month discount.  If you are new to Medicare Part B and enroll in any of the three mentioned companies, you will receive the monthly discount for the first 12 months on the policy.

The Anthem New to Medicare discount is for their F plans only.

Anthem Innovative Plan F includes Vision and Hearing benefits at no additional cost.

SWITCHING COMPANIES  (Birthday Rule)-  If you currently have a Medicare Supplement and wish to switch companies, this is an easy process.  You can do this  any time of the year, although if it is during the month of your birthday (Birthday Rule) you don’t have to answer any of the health or prescription questions and the enrollment to the new company is guaranteed.  If you wish to switch outside of your birthday month, you will need to answer the health questions on the new application.

PART D RX COVERAGE  –  Most Medicare Supplement members will “Mix-N-Match” their Medicare Supplement Part D Rx plan with their current Medicare Supplement.  In other words it’s usually best to choose an independent company which covers your medications the best.  In Sacramento County we have nearly 30 plans to choose from, and it gets a bit tricky sometime to make the right decision.

Choosing the right Part D plan can either save you or cost you a lot of money each year.  I am not contracted with any Medicare Part D plan or company so I can give you an unbiased opinion of the different plans and I can match up the plans with your current medication list, so you are enrolling in the best plan available.  Call me and I’ll be happy to help.

Medicare Supplement (Medigap) is different than a Medicare PPO.  First, a PPO is a Medicare Advantage plan which is a completely different type of plan than a Medicare Supplement. PPO’s have a network the company wants you to stay within. You can see out-of-network doctors, although you will pay more when seeing non-network providers.

Anthem Medicare Supplement (Medigap) plans do not have networks of doctors or hospitals.  You can see any provider, doctor or hospital in the U.S. who accepts Medicare. Also, with a PPO, the insurance company is considered “Primary” coverage, not medicare.  On the other hand Medicare is considered “Primary” coverage when you have a medicare supplement policy.

ENROLL in an Anthem Plan Today … simply call me anytime so we can discuss what your best options are.  Once you have chosen the right plan, the enrollment process is quick and easy, either online or I can take most of the information over the phone. So feel free to call anytime with your questions.  And remember there are no broker fees here!!

Anthem Dental PPO:  Brochure &  Application

Questions?

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

Aetna Medicare Supplement Rates in California

Aetna Medicare Supplement plan and Rates in California have some of the most competitive premiums available.  Along with 32 other states Aetan is quickly becoming a Medicare Supplement carrier of choice for millions of Medicare beneficiaries who are turning 65 or shopping for a lower price for their current plan.

THE MOST POPULAR PLANS:  F, G, N

  • Plan F = 100% coverage.
  • Plan G = $185 deductible, then 100% coverage.
  • Plan N = $185 deductible, then $20 copay for outpatient visits.
  • All three provide 100% coverage for Inpatient Hospital services.

Aetna Medicare Supplement Rates

ENROLL — If you currently have a California Medicare Supplement with a different company, you may want to compare the monthly premiums with the new Aetna rates.  If you like what you see, switching companies is easy.  Simply call me at: 916-682-1117, I can take most of your information over the phone. I only need a couple signatures.

The processing time typically takes a week or two.  Once complete your ID cards and policy will arrive in your mail about a week after completion.

BIRTHDAY RULE … If you “switch” companies during the month of your birthday, the acceptance guaranteed, as long as the plan being requested is has the same or less benefits.  If your benefits increase, Aetna, or any California Medicare Supplement company will review your current health status, and will either approve your application or decline it.

Anthem  –  Blue Shield  –  UnitedHealthcare  –  Aetna  –  Health Net

Aetna offers Medicare Supplement plans F, G and N.  Plan F is by far the most popular of the twelve Federally Standardized plans.  So if your current company is raising rates and you are not near your birthday, give it a try and apply anyways, what do you have to loose.  Most likely Aetna will accept you as is without having to wait for your birthday month.

The Medicare Supplement market is constantly in flux.  Carriers are adjusting rates at different times of the year.  With most companies you will have a 12 month rate guarantee, including Aetna.

  • 2019 Aetna Medicare Advantage PPO & HMO plans are  now available.
  • PART D RX  –  You will also need a Medicare Part D Rx plan to help with your prescription costs (click here for more info)

Enrolling is easy!  An enrollment form needs to be completed (I can take most of your information over the phone).  So fee free to contact me anytime for the most up to date rate comparison.  I’ll be happy do discuss the plans in more detail, and find you the plan which fits your unique needs.

Enroll Year-Around … Get started today.

John Conner
916-682-1117
John@JohnConner.com

Questions & Comments:

Anthem Medicare Supplement Plan N

Anthem Blue Cross Medicare SupplementThe Anthem Medicare Supplement Plan N has became one of Anthem’s most popular Medicare Supplement plans.

Anthem’s Medicare Supplement Plan N is a great alternative to Plan F, and for someone looking for a lower priced Medicare Supplement.  Plan N has all the benefits of a Medicare Supplement:  You can see any doctor, specialist or hospital in the U.S. who accepts Medicare, that’s nearly 96%. And Plan N provides very comprehensive medical benefits, including 100% coverage for hospitalization.

With Plan N the member will have an office visit copay of $20 and a $50 copay for emergency visits.  The member is responsible for the Part B annual deductible of $183.00.  The premium costs for this plan are around 30% less than Plan F.

The only time a Plan N does not make sense to enroll in is, if a person typically needs several outpatient visits per month.  Remember you are responsible for the $20 copay for all outpatient visits.  That includes; doctor visits, physical therapy, lab, X-ray, outpatient surgery, any visit or services not considered inpatient hospitalization.

Plan N Coverage:

  • Part A deductible ($1,364 every 60 day period)  Plan N pays this deductible.
  • Part B deductible ($185 annual deductible)  Plan N does not pay this deductible.
  • Plan N has a $20 office visit copay after Part B Deductible.
  • Hospice Benefit – Plan N, covered
  • Part B Excess Charges – Plan N, not covered

Click here to view how Medicare Part B Excess Charges work.

An Anthem Medicare Supplement allows you to keep your own doctor and hospital and choose your own specialists and other health care providers.  And as long as your doctor is a Medicare-approved provider, you are free from paperwork and filing claims.  Your doctor and your Medicare Supplement plan take care of this for you.

When you are with Anthem Blue Cross, you’re getting more than 60 years of trust and experience.  Collectively, the Blue Cross and Blue Shield system provides healthcare coverage for 100 million people or one-in-three Americans.

Six Month Open-Enrollment Period:

  • Can’t be denied enrollment into any Medicare Supplement policy we sell.
  • Won’t be charges more based on your health.
  • May be eligible for discounts.

What is Medicare?  Medicare is health insurance for people 65 or older and for people younger than 65 with certain disabilities. Medicare was introduced in 1965 as a way for Americans to have more affordable access to health care after retirement.

Who is Eligible for Medicare?  You or your spouse worked for at least 10 years in Medicare-covered employment.  AND, you are 65 or older, or, you are under 65 and qualify for Medicare due to a disability.  AND, you are a citizen or permanent resident of the United States.

About Pre-Existing Conditions– If you have had at least six months of prior creditable coverage or are in a guaranteed issue situation, you don’t have to wait for coverage to start for a pre-existing condition.  Many types of health care coverage count as creditable coverage, but they only count if you did not have a bread for more than 63 days.  This prior coverage can be used to eliminate or shorten waiting periods for pre-existing conditions.  A pre-existing condition is a condition either treated or diagnosed six months prior to the effective date of your policy.

Other Company Rates:

Aetna  –  Anthem  –  Blue Shield  –  Health Net  –  Mutual of Omaha  –  UnitedHealthcare

Enrolling is easy … I can take most of your information over the phone.  I may need a couple signatures, but those pages can be faxed, emailed or mailed. I’ll do the rest to make sure the process is quick, accurate and your requested effective date is honored.

TRAVEL INSURANCE – Medicare does not provide coverage outside the U.S. – Click here

Anthem Dental PPO:  Brochure &  Application

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help with coverage options, enrollment and service.

Please call anytime.

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

Questions & Comments:

Los Angeles County Medicare Supplement Plan F G N Rates

2019 Medicare Supplement Rates in Los Angeles County. Plans G, F and N are currently the most popular.  Companies like; Anthem, Aetna, Blue Shield, Health Net and UnitedHealthcare.

Innovative plan F includes Vision and Hearing Coverage from companies: Anthem, Health Net and Blue Shield.

Los Angeles Medicare Supplement Rates, mainly with Anthem do not see the wide swinging ups and downs like in other parts of the Country.  Anthem Blue Cross is the carrier I think will continue to stay competitive in Los Angeles County, along with their Anthem Extras Dental & Vision packages, their Anthem Medicare Advantage HMO plans and Medicare Part D Rx plans all continuing to stay very popular over the coming years.

Quick Links …

Los Angeles …  From Castaic over to Lancaster down to Pomona west towards Long Beach up to Santa Monica and all the way up north again to Castaic, and everything in between, Los Angeles with a County population nearing 10 million residents, 10% of which are age 65 and above, is and will continue to be a health Medicare Supplement market.

Do you live in Los Angeles County?  If you are already 65 and on Medicare, you are most likely in 1 of 3 categories; 1) you have Medicare only and have enrolled in a Medicare Part D Rx plan  2) You are 65 and are enrolled in a Medicare Advantage HMO or PPO plan which includes your Part D Rx plan.  3) you have Medicare along with a Medicare Supplement and a Part D Rx plan.  All three scenarios can work, it just depends on what you are looking for, and what you want your program to pay for.

Los Angeles Rates …  Some of the Medicare Supplement companies in Los Angeles you will want to compare are:  Anthem, Blue Shield, Health Net, Mutual of Omaha, Aetna and UnitedHealthcare.  There are others although these seem to typically have the most competitive rates.

Enroll …  Enrolling is easy!  Remember you can enroll in a Los Angeles Medicare Supplement plan anytime of the year.  There are typically not any “annual open enrollment periods” with Medicare Supplement plans, so mid year if you would like to move to a new company, give me a call and we’ll get you started.

Birthday Rule for current medicare supplement members … on the month of your birthday you can switch to any other Medicare Supplement company and plan with the same benefits or less, guaranteed, no health questions asked.

Please feel free to contact me anytime, I will be happy to answer all of your questions.

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

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