Anthem Blue Cross Innovative Plan F Medicare Supplement Los Angeles

Anthem Blue Cross has a new Medicare Supplement called the Innovative Plan F.  Identical to the original Plan F, except the new Innovative F includes vision and hearing benefits at no additional cost.  And the Innovative F rates are quite a bit lower then the original Anthem F plan state wide.

Medicare Supplement Rates

Hearing Benefit

  • 1 routine hearing exam every 12 months.
  • Fitting evaluation for hearing aids.
  • $750 allowance toward hearing aids every year.

Vision Benefit

  • $25 exam copay once every 12 months.
  • $25 lens copay once every 12 months.
  • $100 allowance for frames every 24 months.
  • $100 allowance for contact lenses every 12 months in lieu of eyeglasses.

Nurseline

Provides access to a registered nurse 24/7 who can assess, educate, and triage symptoms to the most appropriate level of care.

With lower monthly premiums and the added vision and hearing benefits, the new Innovative plan F is one of the most sought after plans

Enroll and enjoy the plan with its great benefits starting the first of the month following the application submission. Most enrollments typically take a couple weeks.

Who Buys a Medicare Supplement?

A person looking for freedom of choice with doctors, specialists and hospitals .. access to care.  No networks or referrals to fuss with.  Also, comprehensive coverage.  100% coverage, or maybe a small $183 annual deductible or a plan with a $20 copay.

A person who who also wants to pick the best Medicare Part D Rx plan for their medication list.  With medicare and a medicare supplement plan, you are free to choose any of the 25 Part D rx plans available in your county.

When you choose an Medicare HMO, the Part D plan is included in the HMO.  You are not able to choose a different Rx plan, you must enroll only in what the HMO plan provides.

Innovative Plan F has lower premiums then the original Anthem Medicare Supplement plan F, even with the additional hearing and vision benefits included.

Look at the Rates here

Keep in mind, the California Birthday rule does not apply to the new Innovative plans because moving to an Innovative plan is considered an upgrade, so you must be either new to medicare (6 month open-enrollment), exiting a group health policy (2 month open-enrollment) or  moving out of your current medicare advantage service area (2 month).

The California Birthday rule allows you to move to a different company with the same plan or one with less benefits.  If you wish to upgrade, you must answer the health questions on the new company application.

There are many different rules pertaining to medicare supplement open enrollment opportunities, so please contact me and we can discuss your current situation and options.

Please feel free to contact me anytime with questions.

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

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Medicare Part B Open Enrollment Dates

Initial Enrollment Period:

Enrollment into Medicare Part B (outpatient Medicare coverage) is called the “Initial Enrollment Period” which starts 3 months prior to you 65th birthday and lasts for 7 months, except in certain cases.  This is the time you will notify the Social Security Administration (800-772-1213) and ask to be enrolled in Medicare Part B sometime during the 7 month window.

General Enrollment Period:

If you do not enroll during the Initial Enrollment period, you will have to wait for the next “General Enrollment Period,” which generally runs every year form January 1 through March 31.  If you sign up during the General Election Period your Part B coverage will be effective on the following July 1st.  Also, your Part B premium may be increased 10% for each 12 month period you did not choose to enroll in Part B coverage.

Can you delay Part B enrollment?

Yes, if you or your spouse are working and have employer group health insurance, or a union plan, you do not have to enroll in Medicare Part B coverage.  You can enroll in Part B coverage anytime during your group health coverage, or wait until it is cancelled before you enroll in Medicare B.

Is Medicare primary or my group health plan?

If your employer has less than 20 employees, Medicare becomes the primary insurer and your group health plan is secondary.  That is, of course, if you are enrolled in both.  If the employer has 20 or more employees the group health plan becomes primary coverage with Medicare as the secondary coverage.

Part D Rx Plans:

Medicare Part D Rx plans also have different enrollment dates such as the Initial Enrollment, which works the same as above, your Medicare B enrollment.  Part D has annual enrollment which is typically October 15 through December 7 each year, with a January 1 effective date.

Also, Special Enrollment periods, which allow you to enroll or switch plans during the year because of special circumstances.  To learn more about the Part D enrollment periods Click Here.

Medicare Advantage Start Dates …

The Medicare Advantage  enrollment dates are similar to the Part D Rx start dates mentioned above.

Medicare Supplement Guaranteed Issue options …

If you are looking into a Medicare Supplement plan for yourself or family member, there are many times and situations which allow for “guarantee-issue” regardless of health status.  To view the guarantee-issue options, Click Here.

As you can see there are many different enrollment periods regarding Medicare, the Medicare Prescription Drug plan, Medicare Advantage plans and Medicare Supplement or Medigap plans.  Please feel free to contact me anytime, I will be happy to answer all of your questions.

Please call anytime with questions.

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

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Medicare Supplement Plan F and G Rates in Sunnyvale

Sunnyvale California Medicare Supplement (Medigap) rates and plans are available from some of the most competitive and well respected insurance companies.  The companies are: Aetna, Anthem, Blue Shield, Health Net and UnitedHealthcare.

New “Innovative” Medicare Supplement Plans:

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 at no additional cost.  Also the monthly premiums are less then before. Click here for info.

Sunnyvale area Hospitals …

El Camino, O’Connor, Santa Clara Valley Med Center, Palo Alto Medical Foundation, Stanford, Good Samaritan, Regional Medical Center of San Jose, San Mateo Medical Center, Mills Hospital.

New to Medicare Discount …

If you are new to Medicare and are enrolling into a Medicare Supplement, both Anthem, Blue Shield and Health Net offer a $15 – $25 per month discount for the first year you are on Medicare.  That’s quite a savings.

Spouse Discount …

Most of the above companies also have a “spouse discount” with saving between 5% – 12%.  If both enroll in the same company and plan, you premiums will be discounted.

Don’t forget your Medicare Part D Rx plan …

You will need to choose and enroll in a Medicare Part D Rx plan to help with your prescription costs.  There are currently 26 Part D plans available for Sunnyvale (Santa Clara County) residents.

The best way to review and compare plans is to enter your medications into the Medicare website, it sorts the results showing the best plans for your medication list through the worst plan for your meds.  If you need help with comparing Part D plans, give me a call, I’ll be happy to help.  Here is a little info regarding the Medicare Part D.

Medicare Advantage HMO …

If you want to also take a look at the available Medicare Advantage HMO plans in the Sunnyvale area, you can do that here.  Anthem, Blue Shield and Aetna all have several HMO’s to choose from.  It’s very important to make sure your doctor is contracted with the plan you choose.  If not you will need to find a new Primary Care Doctor when you enroll in the Medicare Advantage plan.

Sunnyvale and Santa Clara County currently only offer HMO Advantage plans.  The available PPO Advantage plans are only in a few Southern California Counties.

Free to Choose your Doctors with a Medicare Supplement …

Medicare Supplement Policies, you are able to see any doctor hospital or provider as long as they accept Medicare.  You can see doctors and hospitals in other cities, counties and States if you wish, there are no networks to check.  If they accept Medicare, by law they must accept the secondary insurance, which in this case is the Medicare Supplement or Medigap plan.

Make Sure you have Medicare Part B …

When approaching age 65 or if you are already 65 but are on a group health insurance plan (in which care you do not need to start Medicare). In both cases you will need to check with Social Security to make sure your Medicare Part B coverage is starting when you want it to start. Medicare Part A starts automatically when you turn 65, although Medicare Part B (outpatient coverage) many time does not start when you turn 65 unless you notify Medicare.

You can call Social Security, or enroll in Part B online (Medicare.gov).  You will need to have both Medicare Part A and Part B in place and active in order to enroll in any Medicare Supplement, Medicare Advantage or Medicare Part D plan.

DENTAL:

When seeing an Anthem dentist you will enjoy a 25% to 40% savings right off the top, because of the contracted rates.  These savings are also available during waiting periods, when you’ve gone over your yearly limit or when you’ve used up your benefits.  Your dental costs will also be reduced even more with the plans 50% – 80% insurance coverage.

Dental “Prime” (under age 65)  Brochure  –  Rates  –  Application

  • Coverage for Orthodontics
  • Coverage for Implants

Please feel free to call or email anytime with questions.

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

Questions & Comments:

Santa Clara County Medicare Supplement Plans F G N Rates

Santa Clara County Medicare Supplement plans and rates along with surrounding areas of the South Bay are some of California’s most competitive Medigap rates from companies like: Blue Shield,  Health Net,  Anthem and UnitedHealthcare  Click Here.

California Birthday Rule As a California resident and Medicare Supplement member you are allowed to switch to any company with the same plan or one with less benefits during the month of your birthday.  This option is unique to California residents only.  So when you are close to your birthday month you can visit this website to compare Medicare Supplement rates of the other carriers and if there is lower rate available, you may want to consider a move.

Medicare Part D Rx for San Jose Residents Don’t forget the prescription plan, which is called the Medicare Part D Rx plan.  Offered through insurance companies, with typically over 30 plans in each county.  So you will need to compare the plans to make sure the one you choose fits your needs.

A good place to start is the Medicare website.  This site will show you all the available plans in your area.  Or, you can call me and I’ll cut through most of the info which doesn’t help you, to find the best plans for your medication list.

Discounts …
  • New to Medicare discounts: $15 – $25 per month for the first year.
  • Household discount also called the Spouse discount, if both are enrolled in the same plan and company:  %5 – 12%.
  • Call today to make sure you are receiving all available discounts.

Medicare Advantage plans are typically HMO plans with a few PPO Advantage plans in Southern California.  Many have a $0 monthly premium which includes the Medicare Part D Rx plan at no additional cost to you.  The Annual Open-Enrollment is from October 15 to December 7.

Santa Clara county currently only has HMO Advantage plans available.

If you are strictly looking for a Medicare Supplement plan, they are all  Federally Standardized, which means each plan is identical with any other. For example if you are looking at Aetna’s Plan F, their medical benefits are identical benefits to any other available Plan F.

Innovative Plan F

Although Anthem has introduced an “Innovative Plan F” which is identical to the traditional Plan F, except the Innovative F includes Hearing and Vision benefits at no additional cost.  They have also lowered their Plan F rates across California.

The only difference will be the monthly premium and the company member service. How easy or difficult is it to work with any of these companies. Most provide very good service, and some are a little more difficult when making changes or requesting information.  Call me anytime and I’ll fill you in on which companies are the easiest to do business with, and which companies to stay away from.

Enrolling in a Medicare Supplement is EasyA simple enrollment form whether it is during an open enrollment or anytime during the year. Contact me anytime, and I’ll walk you through the process to make sure your new policy is issued accurately and the date you desire.

Dental Discounts:

Anthem has Dental PPO plans for all ages. Health Teeth, Gums and Mouth! Click here for Dental info

Please feel free to call or email anytime with questions.  I’m here to help.

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

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Medicare Supplement Plan N Rates in San Jose

Medicare Supplement Plan N is the lowest prices plan out of the top 3 medicare supplement plans (F, G & N).

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

Plan N Monthly Savings:  $50 up to $150

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.

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.

The new Anthem Innovative Plan F 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 company who is more expensive.  You will most likely not gain any extra services simply because the premium is higher.

Medicare Supplement Companies

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

4 Parts to A Medicare Supplement:

  1. First you will need Medicare Part A, which is the Hospital coverage (this typically starts automatically when you start Social Security).
  2. Second you will need to enroll in Medicare Part B, outpatient services and medical equipment.  The annual deductible is $183 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 ou through the enrollment process and make sure the process is quick and accurate, with your desired effective date.

Don’t Forget About Dental

Anthem Dental for all ages.  When you see an Anthem dentist your overall bill will be reduced by 25% to 40% right off the top.  Then the insurance coverage reduces another 50% to 80% depending on the services received. Click here for Dental info.

Please contact me anytime with Questions.

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

Questions:

How Much does Medicare Part B Cost

Original Medicare consists of two Parts; Part A (hospital) and Part B (outpatient).  For most of us Medicare Part A does not have any premium, because we have been paying for it through our taxes over our working careers.

Part B on the other hand, has a premium we must pay for.  And the premiums are determined by your income.

Social Security looks back at your most recent tax return and to determine your monthly premium for the current year.  For example if 2017 is the most recent tax return, the premium would reflect your 2016 income. The Part B premium is adjusted annually if your income falls or raises and placed you in a new category.

See the income breakdown below:

For couples filing separately:

  • Under $85,000 = $134.00
  • Above $85,000 = $$428.60

Both Medicare Part A and B must be in place and active before you can enroll in any Medicare Supplement, Medicare Advantage or Medicare Part D Rx plan.

Medicare Part A will automatically start when when you turn age 65.  Part B may not automatically start especially if you are on an employer health insurance plan or have decided to not take your social security benefits at the time of your 65th birthday.

Always check with Social Security and verify your Medicare start dates.  the earliest you can notify Social Security is 3 months prior to your 65th birthday.

Interested in looking into either Medicare Supplement or Medicare Advantage plan.

Please feel free to contact me anytime with questions or more information.

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

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Gerber Medicare Supplement Plans and Rates

The most popular Gerber Medicare Supplement plans are Plans F and G.  You can see the chart below for the benefit outline.

Click the rate link below to request a custom Gerber Medicare Supplement quote in your area, or call me and I’ll give you the rate right over the phone.

A Gerber Medicare Supplement plan cover the Medicare deductibles that are going up in 2017 (Part A deductible $1,316) (Part B deductible $183).  Gerber Medicare Supplement plan are now in 32 states and offer; Plans F and G.

FYI … You can change Medicare Supplement companies anytime of the year.  Just answer the heath questions.  Why wait if you can start saving money today.

Links …

Gerber Medicare Supplement plans will cover the deductibles, copays and coinsurance (depending on the plan you choose) which are not covered by original Medicare.  These plans allow you to see any physician, specialist or hospital in the United States who accept Medicare (nearly 95% of all providers).

The Gerber Medicare Supplement insurance price range is typically very competitive depending on the State and Zip code where you live.  Remember, Medicare consists of four parts; A, B, C and D.

Part A covers Hospitalization, Part B covers outpatient services such as doctors and specialist visits, outpatient surgery and medical supplies (Part B services you are responsible for 20% of the allowable charge after the $183 deductible).  Part C are the Medicare Advantage plans which consist of mainly PPO and HMO plans.

They are very similar to an employer group health plan.  Lastly, Part D is the Medicare prescription plan which is administered by private insurance companies.

Every year Medicare Advantage and Part D members can change their current company or plan or purchase new plans during the “Open Enrollment Period” which is called the Annual Election Period (AEP).  This allows great flexibility for seniors wishing to change companies or plans because of changes made to their rates or benefits.

If you currently have a Medicare Supplement or Medicare Advantage plan, and are unhappy with either the monthly rate, or the company providing your coverage, now is as good as any to look and compare Gerber Medicare Supplement plans and rates.

It is very easy to switch and enroll into a new company plan.  Some companies ask fewer health questions than others, so be sure to call so we can discuss the appropriate action for your unique needs.

Medicare A and B Before a person can apply for a Gerber Medicare Supplement plan, or any other type of Medicare plan, they must first have in place both Medicare Parts A and B.  If you are new to Medicare Part B coverage, you have a 6 month window to choose and enroll in a Gerber Medicare Supplement plan when your Medicare Part B coverage starts.

If you apply during this six month window the approval is guaranteed regardless of your current health status.  This period is called the “Initial Coverage Period (ICP).  This is a fantastic benefit for seniors who are coming off of an individual or employer bases health insurance plan.

Call Today I can help you get started enrollment is quick and easy.  There is a simple enrollment form which can be faxed or mailed back to me for processing.  I’ll make sure the application process is quick and accurate.

Travel Insurance – Medicare does NOT provide coverage outside the U.S.

Call today, I’ll answer all of your questions right over the phone, and I don’t need your phone number or email address.

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

Information Request:

Pleasanton & Livermore Medicare Supplement Plans

Pleasanton and Livermore, both in Alameda County are rated in the same area for Medicare Supplement plans.  Typically northern California rates are more favorable than their neighbor to the south.

You will see quite a difference in rates north of the Grapevine when comparing the different companies and medigap plans.

In this case both Pleasanton and Livermore will be on the lower end of the rate spectrum depending on the plan and company you are reviewing.

Anthem’s new Innovative Plan F has been popular with the lower premiums and added vision and hearing benefits for it’s members.

When can you enroll?

Anytime of the year.  If you are not in an open-enrollment period, simply answer the health questions on the application and apply for a plan.  If you are new to medicare you will have a 6 month open-enrollment which allows you to enroll in any medicare supplement and plan available in your state.

If you are leaving an employer health insurance plan you will be offered a 2 month open enrollment.  If you have a Medicare Advantage plan and move outside of their service area, you will be offered a 2 month open-enrollment.

There are actually quite a few situation which allow for an open enrollment.  But then again, if you are relatively health, just apply and see what they say.

Switch to Blue Shield:

If you currently have a Medicare Supplement, you can move to Blue Shield at anytime of the year without answering any health questions on the application and be approved regardless of your health status.

Medicare Part D Rx plans

If you currently have a Medicare Part D Rx plan you will need to keep it until the next open-enrollment period which starts every year on October 15 and ends December 7.  All changes during this time, have an effective date of January 1.  Part D plan info.

If you are new to medicare, you have a 3 month open enrollment which allows you to enroll in any of the 25 Part D Rx plans in your county.  If you would like a little assistance in comparing Part D plan, please let me know, I’ll be happy to help.

BIG SAVINGS WITH ANTHEM DENTAL

When seeing an Anthem in-network dentist you will enjoy a 25% to 40% savings right off the top, because of the contracted rates.  These savings are also available during waiting periods, when you’ve gone over your yearly limit or when you’ve used up your benefits.

Your dental costs will also be reduced even more with the plan insurance coverage.  Along with over 87,000 contracted dental offices nationwide.  Dental plan info.

Please feel free to contact me anytime with questions or more info.

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

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Palo Alto Medicare Supplement

Palo Alto Medicare Supplement plans and rates in Santa Clara County provide the best access to doctors and hospitals along with the most comprehensive coverage available to Medicare Members.

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 at no additional cost.  Also the monthly premiums are less then before. Click here for info.

Example Rates:

QUICK LINKs:

The alternative to a Medicare Supplement is the Medicare Advantage plan.  In Palo Alto and Santa Clara County there are eight Medicare Advantage plans, all being HMO style plans providing very limited access to different doctors or hospitals.

If you are looking for flexibility and great coverage, there is only one choice; a Medicare Supplement.

Some of the hospitals in and around Palo Alto are: Stanford Hospital, Lucile Packard Children’s Hospital at Stanford, El Camino Hospital, Sequoia Hospital, Menlo Park Surgical Center, UCSF, O’Connor Hospital, Mills Peninsula Health Services, Good Samaritan Hospital and many others throughout the greater Bay Area.

When you enroll into a Medicare Supplement, there are three parts to the coverage picture.  First you have Medicare A and B, then the Medicare Supplement policy such as a Plan F, and finally you choose a Medicare Part D Rx plan to help pay for your prescription costs.

Most will choose a different Medicare Part D Rx plan than the company offering their Medicare Supplement.  The best route for a Part D plan is to input your prescription list into the Medicare website with the dosage and frequency.  The site will show you the best plans for your medication list.  So you will most likely mix-n-match a Part D plan with your Medicare Supplement for the most comprehensive coverage for both your health and Rx coverage.

Medicare Supplement companies you should compare as a Palo Alto resident:  Anthem, Mutual of Omaha, Blue Shield, Health NetAetna and UnitedHealthcare.  This will cover just about all the bases when reviewing which Medicare Supplement company is right for your situation.

When can you enroll in a Medicare Supplement plan?  There are “Guarantee-Issue” situations and “Underwritten” situations.  The guarantee issue situations include: within 6 months of starting Medicare Part B, less than 60 days of exiting an employer group health plan, having your Medicare Advantage plan cancel or you move outside the Medicare Advantage operating territory.

These are some of the most common situations, there are several others.  An underwritten situation is if you are looking to switch companies or enroll outside of the above examples, anytime of the year.

When switching companies or enrolling in a new Medicare Supplement company the enrollment form is completed along with answering the health and prescription questions, the company then will review the forms and base their decision on how the questions are answered.

Questions?  Please call or email anytime.

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

Questions & Comments:

Gerber Medicare Supplement in Florida

Gerber Medicare Supplement Plans & Rates
Gerber Medicare Supplement Plans & Rates

Gerber Medicare Supplement plans are some of the most widely purchased Medicare plans in Florida.

Gerber Medicare Supplement plans in Florida have consistently been been some of the most popular for Florida residents looking and comparing medigap plans for their medical needs.  Both over age 65 and under who are on Medicare.

Are you looking for 100% coverage?  Then a Gerber Medicare Supplement Plan F is the one for you.  Virtually 100% coverage … no copays or deductibles.

When you enroll in a Gerber Medicare Supplement plan there will be 3 parts to your Medicare package.  1) Original Medicare, you will need to be enrolled in Medicare Parts A (Hospital) & B (Outpatient).  2) The Medicare supplement plan, which will pay for what Medicare doesn’t.  3)  Medicare Part D Rx plan to help pay for your prescription costs.

Most counties have 25 – 30 plans available, each plan covering prescriptions differently.  It’s best to use the Medicare website to compare the different plans.  Call me and I can help you with this process, to make sure you have the right Part D plan for your current medications.

What Does a Medicare Supplement Plan F Cover?

  • Part A deductible ($1,316 every benefit period).
  • Part B deductible ($183)
  • 20% after the Part B deductible (outpatient services).
  • Skilled Nursing Facility (20%).
  • Part B Excess Charges (the 15% extra charges from doctors who do not accept Medicare’s fee schedule).
  • At Home Recovery.
  • Preventive Care.

When choosing a plan, be sure to understand the differences between plans, what is covered and what is not.  You can always call anytime with your questions.

A Gerber Medicare Supplement Plan in Florida is going to be the same for any other company providing Medicare Supplement plans.  The benefits are the same regardless of company.  In other words Gerber’s Plan F benefits will be the same as Blue Cross, or Mutual of Omaha.  The rates will be different but the benefits are identical.

You can switch Medicare Supplement companies anytime of the year. Why wait, when you can lower your current premium today!  All you need to do is complete the enrollment forms, I’ll do the rest.  Call today, I can help you get started.

If you are turning 65 soon and have Medicare A and B, be sure to include Gerber Medicare Supplement plans while comparing.  Also, if you are under age 65 and have Medicare because of a disability, depending on the State you reside, rates vary greatly, so please compare different companies before you make your final decision.

Call today, and I’ll answer all of your questions right over the phone.

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

Questions & Comments: