California Medicare Supplement Plans and Rates

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, Aetna, Health Net, Mutual of Omaha and UnitedHealthcare all have the same benefits regardless of who you enroll in.

Monthly Rates:  Aetna   Anthem   Blue Shield   Health Net   Mutual of Omaha   UnitedHealthcare

DISCOUNTS – Blue Shield ($25), Anthem ($20), Health Net ($15)  All three of these companies offer a “New to Medicare” monthly discount for the first 12 months.  Call or email for details.  Don’t miss out on discounts.

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:

  1. If you are still within your first 6-month Medicare Supplement “Open Enrollment Period.”
  2. 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).
  3. Or if your current company is going to leave the marketplace, in other words they are closing their doors.
  4. 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 EasyCall 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 reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

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

Questions & Comments:

California Medicare Supplement Plan G

A California Medicare Supplement Plans F, G and N are  the three most popular medicare supplement plans across the U.S.

Soon Plan G will be the most comprehensive Medicare Supplement available because Plan F will be exiting on January 1, 2020.  Existing Plan F members will be able to continue, but new enrollments will not be available after 2019.

Plan G is just like F except G does not pay for the Medicare Part B deductible which is now $183.  After the calendar year deductible is satisfied, the plan then pays 100% for the balance of the year.

You can view current California Medicare Supplement rates and benefit information from companies like; Anthem Blue Cross, UnitedHealth Care, Blue Shield, Health Net, Aetna, Mutual of Omaha and others.

Medicare Options …

Currently the most popular California Medicare Supplement plan is Plan F.  This plan has everything you need to close the gaps in Medicare Part A and Part B coverage. With a Plan “F,” when you do to the doctor or hospital you don’t pay anything. Not a copay or deductible. You are only responsible for your monthly premium.

Another popular plan is “N.”  With Plan N you are responsible for an outpatient deductible of $183 then a $20 copay whenever you have a doctor visit.  Hospital is covered at 100%.

Plus, it’s easy to enroll in, and is more affordable than you may think.  Take a look and see for yourself.

Remember with a California Medicare Supplement plan you will also need to enroll in a Medicare Part D Rx plan.  Medicare Supplement plans do not include prescription plans.  The best place to compare Part D plans is right here, simply email your prescriptions to me  the Medicare website: www.Medicare.gov.  Or you can call me and I can help you compare plans.

California Birthday Rule …

The Birthday Rule is unique to California and allows a resident of California who has a Medicare Supplement plan to switch Medicare Supplement companies on the month of your birthday, without having to answer any “health” or “prescription” questions.  In other words, it is a guaranteed move to a different company who offers the same plan or one with less benefits.

Our California Medicare Supplemental plans give you the kind of health coverage you deserve at this time of your life.  The kind that can protect your finances by filling in the gaps of your Medicare coverage.  And the kind that you can make your life easier with:

  • A choice of Medigap plans at affordable prices.
  • The freedom to choose any doctor and hospital who accepts Medicare.
  • No required medical exam to enroll.
  • Guaranteed renewal.

You can choose to be billed directly, or you can make payments by automatic bank draft.

Coverage that stays with you.
No matter where you travel, your Anthem Blue Cross Medicare Supplemental coverage will follow.  Your plan membership card will be accepted by hospitals, doctors and specialists across the state and throughout the great USA.  So wherever you go, so will your peace of mind.

Money Back Guarantee
Every plan comes with a 30-day “free look” period.  This means that you have 30 days after purchase to decide whether or not to keep your Blue Cross plan.  What could be simpler?

Am I Eligible for a Plan?
You are eligible for a Medicare Supplement plan if you are enrolled in Medicare Parts A and B.  You must also be a resident in the state where the coverage is offered.

Enrolling in an Anthem plan is quick and easy. I can take most of the information over the phone.  Call today to get started.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

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

Questions & Comments:

Anthem Blue Cross Medicare Supplement

7 Reasons to Choose an Anthem Medicare Supplement

Seven reasons an Anthem Medicare Supplement may be the right fit for you.

  1. For 70 years … Anthem Blue Cross has been building trust and dependability for as long as most Americans can remember.  Chances are you may have been part of the Blue Cross family at one time over the years through an employer or an individual health insurance plan.

In fact, Anthem has been a health benefit provider for over 70 years.  That’s way before Medicare began in 1965.  And while time have changed, we’re still helping people feel secure with the right coverage for their unique needs.  As you approach that important milestone of becoming eligible for Medicare, or if you have already reached it, we’ll continue to bring you reliable, quality coverage and flexible options as your health care needs evolve.  Anthem Medicare Supplement Rates

2. Low out-of-pocket costs – Every year your Anthem Medicare Supplement policy benefits coordinate with your medicare benefits to help you meet your eligible health care expenses.  depending on the plan you choose.  You can be sure your benefits won’t decrease.

3. Choose your own Doctors and Hospitals– With any Anthem Medicare Supplement policy you can choose any doctor, specialist or hospital in the U.S., who accepts medicare, and you don’t need a referral.  This is a fantastic benefit especially when traveling.  Not only are emergency services covered, outpatient doctor visits are as well.  Stomach flu, twisted ankle, dizziness, whatever the symptoms, simply go to a doctor, specialist or hospital wherever you, and the benefits are covered the same as going to your own physician.

Also if you have a particular physician who you become unhappy with, you can vote with your feet, and simply choose a new physician of your choice.  A great way to do this is to talk to your friends and family and find out who they use.  There are no networks to fuss with, and you have total freedom in choosing your health care providers.

4. Coverage that travels along with you– No matter where you travel, your Anthem Medicare Supplement policy coverage will follow.  Your plan membership card will be accepted by doctors and hospitals across the state and throughout the U.S.

5. Coverage is Guaranteed Renewable – Your Anthem Medicare Supplement plan will continue to renew annually.  And you cannot be singled out and penalized because of your health status.

6. No Claim Forms – We do all the paperwork for you!

7. Money Back Guarantee – Every Anthem Medicare Supplement plan comes with a 30-day “free look” period.  This means that you have 30 days after purchase to decide whether or not to keep your plan.  If you choose not to take the plan, Anthem Blue Cross will refund all of your money.  What a great deal!

With an Anthem Medicare Supplement plan you will also receive Vision and Hearing discounts:

  • EyeMed: Up to 30 percent discount on eyeglasses, up to 20 percent discount off non-prescription sunglasses and up to 20 percent discount on eye wear accessories.
  • LASIK Laser Vision Correction discounts.
  • HearPo: Get a 40 percent discount on audiology services, testing, and on hearing aids.
  • Silver Sneakers Fitness Club membership.
  • Health and Wellness product discounts from: Barnes and Noble, drugstore.com, National Allergy Supply and Self-help programs.

Competitive premium pricing that you can afford.  Our Anthem Medicare Supplement plans are designed to help you manage your budget.  With a set monthly premium, and coverage available for Original Medicare’s deductibles, coinsurance and copayment, our Anthem Medicare Supplement plans are a great value.

With an Anthem Blue Cross Medicare Supplement plan you can have peace of mind knowing that your policy will help cover costs that without the Medicare Supplement policy you would be responsible for paying out of your pocket.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

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

Questions & Comments:

 

Where to find help when you are new to Medicare

Starting Medicare can be a bit confusing and a little help is always appreciated.  There are several moving parts to Medicare, different open enrollment periods and certain dates you need to be aware of.

If you are lucky, you’ve found someone to tell you the in’s and out’s and what to be aware of with Medicare, Medicare Supplements, Medicare Advantage plans and Medicare Part D Rx plan info.

It seems like a wave of info that doesn’t initially make much sense.  Most new medicare members have been on an employer health insurance plan for a good part of your life, and now you have Medicare starting in a few months and everything has been turned upside down.

First, you start receiving a truck load of mailers, periodicals, fliers and every kind of advertising piece from every company under the sun, pushing their Medicare Supplement, Medicare Advantage and Medicare Part D Rx plan.  Each company telling you why theirs is the best.

Medicare Advantage policies are big money makers, so companies are pushing them hard. Regardless of what is better for you, their agenda is to push the profit makers.

What’s better for your unique situation.  Are your doctors in-network? Would a Medicare Supplement be a better choice.  Does your Medicare Advantage drug plan pay well or poorly for your medication list?  What do you pay if you go out-of-network?  When medicare starts, how long do I have to enroll in any of these plans?

These are all questions you should ask yourself, because the Medicare companies don’t care.  It’s up to you to make the right choices.

Now getting back to that pile of marketing fliers and brochures on your kitchen table.  Where do you start, which is best for your needs.  Should you go with a Medicare Advantage or Medicare Supplement, what about the Medicare Part D Rx plans.

I can help you weed through this mess very quickly, right over the phone, and no obligation.  Brief explanations how the two systems work, the different enrollment periods and coverage’s.  Is Medicare “primary or secondary.”  If you need access to several doctors, which plans are work best in this situation, and which has the most flexibility when seeing different providers.

You have 3 choices when Medicare starts …
  1. Stay on original Medicare only and enroll in a Part D Rx plan.
  2. Enroll in a Medicare Supplement plan along with a Part D Rx plan.
  3. Choose a Medicare Advantage HMO or PPO which includes the Part D Rx plan from the same company.

If you choose a Medicare Supplement, you can always move to a Medicare Advantage during open enrollment.  The enrollment is guaranteed regardless of health history.  If you enroll in a Medicare Advantage and later wish to move to a Medicare Supplement, typically you will need to answer the health questions on the enrollment forms and the company decision is based on your health status.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

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

Questions & Comments:

Gerber Medicare Supplement Plan F in Florida

gerber_lifeA Gerber Medicare Supplement plan F in Florida will cover virtually all of your Medicare eligible medical costs.  Except your Part D prescriptions which are a separate insurance policy all together.

Plan F pays for your Medicare Part A hospital deductible of $1,316 per benefit period (up to six deductibles per year).  Also your Medicare Supplement plan F will pay your Medicare Part B annual deductible of $183 for all of your outpatient services.  The Skilled Nursing Facility Care coinsurance is also covered with a Plan F.

Florida Gerber Medicare Supplement Rates

Gerber Medicare Supplement plans are offered in most states although they are most comprehensive in Florida. Plans A, F and G are available in most states, along with plan C in a few states.  F is the most comprehensive of the available Medicare Supplement plans offered by Gerber.  Deductibles, coinsurance and other out of pocket costs are covered by your Medigap F plan.

Having a comprehensive benefit plan like plan F allows you to budget and plan for other expenses throughout the year.  You are not surprised with a large medical bill as you may be with other Medicare Supplement plans.  The only out of pocket expenses you will see are the monthly premiums, which you can budget for.

Doctor Freedom of choice

  • Any doctor, specialist or hospital that is Medicare-Approved.
  • Receive care or treatment anywhere in the U.S.
  • The plan that provides the benefits you need.
  • Leave the paperwork to the doctor and us.

guaranteed renewable

It cannot be canceled.  It will be renewed as long as the premiums are paid on time.  Your Gerber Medicare Supplement benefits will automatically increase as Medicare deductibles and coinsurance increase.  Benefits are not paid for any expense paid by Medicare.  You will have 31 days from your renewal date to pay your premium.  Your policy will stay in force during this 31 day grace period.  You cannot be singled out for a rate increase, no matter how many times you receive benefits.  Your coverage begins immediately.  There are no waiting periods for preexisting conditions.  Benefits will be paid from the time your policy is in force.

Premium payment options

  1. Option A: Pay all premiums (1st and monthly payment) by Electronic Funds Transfer, which is an automatic Bank or Checking account deduction.
  2. Option B: Pay the first month by check and monthly payments by Bank account deduction.
  3. Option C: Pay the first month by Bank account deduction, then pay by check.  Paying by check (quarterly, semiannual or annual only).
  • Gerber Rates in Florida  –  View Here 

Enrolling is Easy

Simply contact me for the application in the state you live in.  When finished you can fax, email or mail the completed application back to me for processing.  I will make sure the process is quick and accurate, with your desired effective date. The process usually takes a couple weeks for approval.  Once approved a Gerber Medicare Supplement policy along with your new ID card will be mailed to your preferred address (residence or mailing address).

Please feel free to reach out to me by phone (916) 682-1117 or email me at “john@johnconner.com” or simply complete the brief information request form below.

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

Questions & Comments:

Anthem Senior Medicare Supplement and Medicare Advantage

Anthem Blue Cross Medicare SupplementAnthem Blue Cross is a leader in providing Senior health and Medicare insurance products.  Medicare Supplement plans along with Medicare Advantage plans such as the Anthem Medicare Advantage HMO and PPO plans for 2016.  All of which offer the highest quality of Medicare plans available to fit your unique needs.

  • Upon reaching Medicare eligibility, many people have found that while Medicare provides basic health care coverage, it’s not always enough.
  • Medicare Part A provides hospital insurance, yet it does not cover the benefit period deductible of $1,316.  This deductible is not an annual deductible like most health plans offer.  It is a “benefit period” deductible, which acts like a hospital deductible every 60 days.
  • Medicare Part B has an annual deductible of $183, and typically covers only 80% of Medicare’s approved amount for medical care.  You are responsible for the other 20%.
  • Anthem Blue Cross Medicare Supplement plans can cover the gaps and deductibles in coverage that Medicare alone doesn’t.

The Anthem Senior Medicare Supplement plans are designed to help you manage your budget.  With a set monthly premium, and coverage available for Original Medicare’s deductibles, coinsurance and copayments, our Medicare Supplement plans are a great value.  With a Medicare Supplement plan you can have peace of mind knowing that your policy will help cover costs that without the Medicare Supplement policy you would be responsible for paying out of your pocket.

Anthem Medicare Supplement Rate

Guaranteed Acceptance …

Your acceptance is guaranteed if you apply for coverage before or within six months of enrolling in Medicare Part B.  If you’ve been enrolled in Medicare Part B for more than six months, we’ll have to review your health history to see if you are eligible for the plan you selected.  If you are within your Medicare Open Enrollment window or replacing an existing Medicare Supplement plan, there is no waiting period before pre-existing conditions are covered.

The Anthem Blue Cross Medicare Supplement policy is guaranteed renewable – this means you can feel safe and secure knowing that the coverage you select will automatically renew each year.

Finally, you can get a Medicare Supplement plan that is easy to understand, easy to use and best of all, it is from the company that’s been known and trusted by millions of Americans for over 70 years.  Welcome to Anthem Blue Cross.

Money Back Guarantee – Every plan comes with a 30-day “free look” period.  This means that you have 30 days after purchase to decide whether or not to keep your plan.  It’s that simple.

Please feel free to reach out to me by phone (916) 682-1117 or email me at “john@johnconner.com” or simply complete the brief information request form below.

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

Questions & Comments:

Medicare Supplement Guarantee Enrollment Rules

Medicare Supplement policies are either “guarantee enrollment,” or they are “medically underwritten.”

If you are in a guarantee issue situation, you are not required to answer any health related questions, prescription or doctor information on the enrollment form.  The enrollment is guaranteed regardless of your health status.

Medicare Supplement plans can be purchased if you have Medicare Parts A and B in place.  From the moment you enroll in Part B, your Medicare Supplement “guaranteed issue” period, or open enrollment begins and can not be changed, and lasts for 6 months.

Part B is typically enrolled in when you become age 65 and or when eligible for Medicare.  Examples are; when you turn 65 and have Medicare A and B, or if under age 65 and are disabled with Medicare.  Another example is if you are still employed after age 65 and are leaving your employer health insurance plan.  Please review the link above for all of the guaranteed-issue situations for a Medicare Supplement policy.

Initial Enrollment Period … The most popular and most utilized guaranteed-issue situation is called the “Initial Enrollment Period,” which is when a person first enrolls in Medicare Part B coverage.  This enrollment allows for a 6 month open-enrollment period for the new Medicare member to choose any and enroll in a new Medicare Supplement policy of their choice .. Guaranteed.  No pre-existing condition waiting periods and no medical history review.  When the policy starts your coverage starts as well without any waiting periods.

During guarantee-issue situations, insurance companies are not allowed to use medical underwriting as an enrollment acceptance tool.  This is great news for anyone desiring to enroll in a Medicare Supplement plan.  In these cases, insurance companies are required by law to sell you a Medigap policy, despite any pre-existing conditions, and they cannot charge you more because of those conditions.  If you are interested in purchasing a Medigap policy, this is the one of the best time to enroll.

Medicare Advantage … People who join a Medicare Advantage health plan like an HMO or PPO plan, may also have Medicare Supplement guaranteed issue rights if their plan terminates, if they leave the plan service area or if they want to return to a Medigap plan within 12 months of first having a Medicare Advantage plan.

There are additional circumstances that may qualify you for guaranteed-issue rights to a Medicare Supplement plan, and some states have stronger protections, including for people with Medicare who are under 65.

If you are turning 65 or coming off of an employer health insurance plan you can usually apply for an open enrollment guaranteed-issue Medicare Supplement policy as early as 60 days before your current benefits end to avoid a gap in coverage.

Please remember, open enrollment has a six month window to apply for coverage.  If you are coming off of an employer plan, in most cases, you must apply for a plan no later than 63 days after your coverage ends.  When you submit your application, you are typically required to provide evidence of the date your employer coverage ends or ended.

Please feel free to reach out to me by phone (916) 682-1117 or email me at “john@johnconner.com” or simply complete the brief information request form below.

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

Questions & Comments:

Under Age 65 Medicare Supplement

Under age 65 Medicare Supplement plans are not offered in all States.  Below are the available states.  If your state is not listed below, you will need to stay on original medicare only or look into a Medicare Advantage plan.

California, Colorado, Connecticut (plan A only), Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland (plans A & C), Massachusetts, Michigan (plan A & C only), Minnesota, Missouri, Mississippi, Montana, New Hampshire, New Jersey, North Carolina, Oklahoma (plan A only), Oregon, Pennsylvania, South Dakota, Tennessee, Texas (plan A only), Vermont, Wisconsin.

Medicare Supplement policies are only guaranteed enrollment during open enrollment and special enrollment periods.  Otherwise you must answer the health questions on the application.  And being on disability, this may be a difficult task.

Find out if you qualify for a Medicare Supplement?

** Very Important: (Click Here)  If you have been on Medicare for less than 6 months, you are still in the “Initial Enrollment Period,” which allows you to enroll in a Medicare Supplement … guaranteed.  As long as you are in a State which offers them to under age 65 members.  If you have been on Medicare A & B or longer than 6 months, you need to see if you qualify for any other “Guaranteed-Issue” period.  If not, you will most likely not be eligible for a new Medicare Supplement (Medigap) policy.

Do you qualify for “guarantee issue” with your Medicare Supplement enrollment?  If you are under age 65 and disabled, you may be eligible for a Medicare Supplement (Medigap) policy of your choice.  Medicare Supplement policies are purchased when an individual becomes eligible for Medicare Parts A and B.

Initial Open Enrollment Period … Once your Medicare “B” coverage starts, you have an Initial Open Enrollment period of six months, this is a “guaranteed-Issue” period where you have a guaranteed enrollment regardless of your current or previous health status.

You can purchase any Medicare Supplement policy from any company offering under age 65 Medigap plans in your state.  Also, be aware you have 3 months to enroll in a Medicare Part D plan, once your Medicare Part B starts.

Under-Age 65 with ESRD … If you are under age 65 and are now on Medicare because of ESRD (End Stage Renal Disease), many states will allow you to enroll in a Medicare Supplement plan, although Medicare Advantage companies will not.

If you have an employer health insurance plan or currently on a Medicare Advantage plan you may have opportunities for continued Medicare Advantage coverage.  Under-age 65 with Medicare and ESRD may work differently than a person 65 or over with Medicare and ESRD, depending on your state of residence.

If you do not qualify for a Medicare Supplement policy, be sure to compare your local Medicare Advantage PPO & HMO plans.

If you have any questions, please reach out to me by phone (916) 682-1117 or email me at “john@johnconner.com” or simply complete the brief Form below.

Questions & Comments:

How to Combat Rising Medicare Supplement Rates

Rising Medicare Supplement rates and costs are always a concern. Depending on your state of residence, there are several ways to combat rising Medicare Supplement rates.

If your current company is raising your Medicare Supplement rates higher than other companies in your area, there is no reason to stay put.  The coverage is identical, the customer services may be a little different, better maybe worse.  Also name recognition doesn’t have as much power as it used to.

So if you can move to a company with the same plan, with lower rates, you’re better off right?  Well, maybe not.  One factor I look at is what is the companies track record with rates over the past 4 or 5 years.  Any company can low-ball an area and gobble up plenty of business, but what happens in the next year.  To rates crank up because of loss ratios?  The answer is probably yes.

Compare Medicare Supplement rates in your area  – Click Here

Getting back to how to combat rising Med Supp rates.  If you live in California or Oregon, you have an option called the “Birthday Rule.”  This allows you to move to any Medicare Supplement Company in your state without answering any health or prescription questions, during the month of your birthday.

The move is guaranteed regardless of health status.  Missouri residents enjoy an “Anniversary Date” rule which allows them to switch companies during their policy’s anniversary month.  All Medicare Supplement members in these three states should take advantage of this fantastic rule.  There is no reason to be stuck in a plan with high rates!!

What do we do about “High Rates?”

  1. Simply apply to a new company.  Although this route depends on your current and past health history.  You will need to answer the health and prescription question on the enrollment form.  Some companies are easier to apply to then others.  Some companies ask very detailed questions regarding your current and past health, while others ask far fewer questions.  So if you have some health issues and are not sure if you qualify to move, please call me and I can lead you to some of the “easier” companies to apply to.
  2. “Trial Right”  If you are stuck and really want out of your carrier, the Trial-Right option may work for you.  If you have never had a “Medicare Advantage” plan before, you can enroll in one during the annual open enrollment period which typically runs from October 15 through December 7, with a January 1 effective date.  If you enroll in a Med Advantage plan you can cancel, or dis-enroll anytime during the first twelve months, this action triggers a move back to Original Medicare and the ability to enroll into a Medicare Supplement plan (guaranteed) along with a stand-alone Medicare Part D Rx plan.  Please call if you have any questions.
  3. The third option is if you have access to an employer health insurance plan, you can enroll in the health plan, and once active, you are able, at anytime to move into a Medicare Supplement and a Medicare Part D Rx plan of your choice.  As long as you have proof of coverage from a qualified health and prescription plan.
  4. If you are under-age 65 and on Medicare, when you turn 65 you will have a new 6 month guaranteed issue “open-enrollment” period which allows you to change to a new company during the 6 months.  You have three months to choose the Medicare Part D Rx plan.

If you have any questions, please reach out to me by phone  (916) 682-1117 or email me at “john@johnconner” or simply complete the brief form below.

Questions & Comments:

Anthem Medicare Supplement Plans in Santa Barbara

Anthem Medicare Supplement Plans G, F and N are a top choice for Santa Barbara County residents who are on Medicare.

The Medicare Supplement choices in Santa Barbara are plentiful, although the Medicare Advantage HMO plan choices are meek and typically only offer a couple plans in Santa Barbara County from year to year.

Anthem Medicare Supplement choices in Santa Barbara:  Plans F, G and N.

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

If you need assistance comparing the 25 Medicare Part D Rx plans in Santa Barbary county, I’ll be happy to send you the comparison results for your medication list.

Medicare Supplement or Medicare Advantage?

Medicare Supplement Plans:

  • First, with all Medicare Supplement policies you are able to see any doctor or hospital across the U.S. who accepts Medicare.  No networks, referrals or primary care physicians to fuss with.
  • The best coverage – Plan F provides 100% coverage, no copays, deductibles or percentages.  Go in for surgery, you don’t pay a dime.  Plan G is just like Plan F but has a $183 annual deductible.
  • Medicare Supplement policies do not include the Medicare Part D Rx plan.  You will need to enroll in a stand-along Part D plan, and choose the best plan for your medications.  Their are typically 25 Part D plans in each County.
  • Medicare Supplement plans are “letter” plans.  Such as, Plan F, Plan G, Plan N, etc.

Medicare Advantage Plans:

  • Medicare Advantage plans are typically HMO plans.  If you have ever had an HMO health insurance policy through work, these are very similar.  There are a few Medicare Advantage “PPO” plans, but id depends on your County.
  • Most Medicare Advantage plans include the Part D Rx coverage.
  • Many Medicare Advantage plans are very inexpensive, often no premium.  They are heavily subsidized through Medicare.
  • The Annual Open Enrollment Period is each year from October 15 – December 7.  This allows you to view any plan changes for the next year, and change to any available plans/companies in your County.
  • When you enroll in a Medicare Advantage HMO plan you must choose 1 doctor, to be your Primary Care Physician (PCP). This doctor organizes your care and will refer you to specialists and which hospital you can use.

Any Medicare member can move into a Medicare Advantage policy available in their County every year during open enrollment regardless of your health status.

On the other hand, if you wish to move to a Medicare Supplement, most likely you will need to answer the health questions on the new application and this will be reviewed by the company.  Your application will either be approved or denied.

If you are new to Medicare, you have 6 months to enroll in a Medicare Supplement plan without needing to answer health questions.  After this 6-month window closes, you can still apply for a Medicare Supplement policy, but your health history will be reviewed.

Medicare Advantage plans along with Medicare Part D plans you have 3 months to enroll in a plan when you are new to medicare.  If you do not enroll, you must wait until the next open-enrollment period.

The Anthem Innovative Plan F, is the traditional plan F, although it now includes vision and hearing benefits at no additional cost.

THE MOST POPULAR PLANS:  F, G, N

  • Plan F = 100% coverage.
  • Plan G = $183 deductible, then 100% coverage.
  • Plan N = $183 deductible, then $20 copay for outpatient visits.
  • All three provide 100% coverage for Inpatient Hospital services.

Plan F and the New Innovative Plan F, provide 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.

My services are free – There are no fees associated with my help.

Call of assistance with comparing plans and companies, I’m here to help.

Enroll today and enjoy your new plan.

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

Questions & Comments: