Anthem Blue Cross Medicare Supplement (Medigap) insurance fills the gaps such as; deductibles, copays and coinsurance between Medicare benefits and what you must pay out of your own pocket when you see a doctor, specialist or hospital. Anthem Medicare Supplement policies provide for services that Medicare deems as medically necessary and payments are generally based on the Medicare approved charges.

Why an Anthem Medicare Supplement plan?

1. Stable premiums. Competitive pricing structure for all age groups.
2. Access to any physician or hospital who is Medicare-Approved in the US. (No referrals necessary).
3. $0 out of pocket costs when you see a doctor or hospital with Plan F.
4. Policy cannot be canceled from underneath you.
5. No claim forms.
6. Some companies will have a “new business rate” along with a “current member rate.”  They will advertise the lower “new member” rate, while their existing members have a higher one.  Anthem has only “1″ rate which I believe is better for the member.
   

The amount of coverage depends on the Medicare Supplement plan you choose.

Print – Anthem Medicare Supplement Application

There are 11 Federally standardized Medicare Supplement plans (A, B, C, D, F, High F, G, K, L M and N). All insurance companies offering Medicare Supplement plans must offer Plan A, although do not have to offer any others. The Anthem Blue Cross Medicare Supplement plans consist of; A, F, High Deductible F, G and N.

Quick Medicare Overview …

Original Medicare is essentially a national health care program for people age 65 or older, or for individuals under age 65 with certain disabilities and / or with ESRD (end-stage renal disease – kidney failure). Original Medicare is quite good coverage, although there are many gaps (deductibles, coinsurance, copays, etc.) which are not covered by Medicare that you need to be aware of.

*High Deductible F has the same benefits as Plan F after one satisfies a $2,000 annual deductible.

Quick Links …

• Medicare Supplement Rates
• Medicare Part D Rx info
• Guaranteed Issue Guidelines
• Under-Age 65 Medicare Supplement info
• Medicare “Excess Charges”

Guaranteed Issue?

New to Medicare, coming off of an Employer Group Health plan, your Medicare Advantage plan is being canceled? These and many other “qualifying events” allow you to enroll into an Anthem Medicare Supplement policy “Guaranteed” regardless of your current or past health status. Review the Guaranteed-Issue options here. If, you are at least 65 or under-age 65 (in certain states) and are within 6 month after your Medicare Part B coverage starts, this 6-month window is called “The Initial Open Enrollment Period.” During this ‘open enrollment’ period Anthem Blue Cross or any other company must provide the Medicare Supplement plan of your choice. You can use your Open Enrollment privileges more than once during the 6 months after starting your Medicare Part B coverage. For example, you may change your mind about your initial company or policy you enrolled in, cancel it, and enroll in a new Medicare plan from the same or different company.

Your right to Open Enrollment is absolute …

The 6-month window starts the first day of the month when your Medicare Part B coverage goes into effect. Also, if you have stayed on an “Employer Health Insurance Plan” long after the 6-month window expires. You can still take advantage of “Guaranteed-Issue” rights when leaving a Group Health Insurance plan. In California, there is a very unique annual option called the Birthday Rule. This rule allows a current Medicare Supplement member to switch to a new company to the same plan or one with less benefits every year on the month of their birthday.

Trial-Right …

is another opportunity to move back to a Medicare Supplement. If you enroll into a Medicare Advantage plan and are unhappy with the results, you can dis-enroll from the Medicare Advantage plan, and enroll into the Medicare Supplement company and plan of your choice. You can do this move only once, and it must be your first time on a Medicare Advantage plan, and the dis-enrollment must be within 12 months of the initial enrollment.

Medicare Covered Services …

In general, Medicare covered services are considered medically reasonable and necessary to the overall diagnosis and treatment of the beneficiary’s condition. Services or supplies are considered medically necessary if they:

• Are proper and needed for the diagnosis or treatment of the beneficiary’s medical condition.
• Are furnished for the diagnosis, direct care, and treatment of the beneficiary’s medical condition.
• Meet the standards of good medical practice.
• Are not mainly for the convenience of the beneficiary, provider or supplier.

Medicare pays for care in …

• the U.S. (the Centers for Medicare & Medicaid Services (CMS) recognizes the 50 states, the District of Columbia, Commonwealth of Puerto Rico, Virgin Islands, Guam, Northern Mariana Islands, American Samoa, and territorial waters adjoining the land areas of the U.S. and being within the U.S.
• The home, office, institution, or at the scene of an accident.

30-Day Free Look …

If you are still not sure whether to keep your Anthem Blue Cross Medicare Supplement policy, you can simply cancel the policy and receive all of your money back … No questions asked.

Other Plan Options, Freedom Blue ($0 Zero premium) …

Freedom Blue Medicare PPO plan (not in all states – call for info). An alternative to a Medicare Supplement plan is the Freedom Blue Medicare PPO plan which offers flexibility to see any physician, specialist or hospital at anytime within the vast Anthem Blue Cross PPO network. You can also see providers outside the PPO network. Coupled with comprehensive coverage with the Anthem Medicare Part D prescription Rx plan at no additional cost. What are the Costs? Freedom Blue is a zero premium plan. You can view the details here.

Question … do you charge for your services?

No, the insurance carriers which I represent compensate me for helping you.

Applying is easy …

Print the appropriate Application, or I can send one to you, then simply complete the Anthem Medicare Supplement application and either fax or mail it to the address below, I’ll make sure the application process is swift and approved with the effective date you desire. Click here for the different state applications.

Peace of mind, knowing that your “out-of-pocket” health costs will be covered. If you would like me to compare your existing plan with an Anthem Blue Cross Medicare Supplement policy please feel free to contact me anytime.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Anthem Blue Cross, Blue Shield, Gerber, Mutual of Omaha, Aetna, Health Net,
Freedom Blue Medicare PPO, Dental