Aetna Medicare Supplement Texas

The Aetna Medicare Supplement plans and rates in Texas are some of the most competitively priced Medigap plans available. Rates will usually be determined by your county of residence.  The available plans in Texas are F, G and N.  Plan F is the most comprehensive of all plans currently available.

When you go to a general practitioner, specialist, urgent care or hospital, you do not have any out of pocket costs.  There are not any co-pays, percentages or deductibles for you to pay, regardless if it is for a doctor visit, lab or radiology or surgery.  Just make sure the provider accepts Medicare and you’ll be just fine!

Medicare part D Rx Plans … 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 enter the information into the Medicare system, to 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.  Here is a good place to start.

1853 – Aetna Insurance Company organized an annuity fund to sell life insurance in 1850. In 1853, the Annuity department separates from Aetna Insurance and is incorporated as Aetna Life Insurance Company. The company’s first president is Eliphalet A. Bulkeley. The “Aetna” name is retained to take advantage of the good reputation of the original Aetna. The name was inspired by an 11,000-foot volcano on the eastern shores of Sicily, Mt. Etna, which was the most active volcano in Europe.

Guarantee-Issue Options … Initial Open Enrollment Period (IEP), is a 7 month window starting three months prior to your Part B coverage effective date, and ending three month after the month of eligibility.  If you become eligible when you turn age 65, the effective date is the first of the month on your birthday month.  If you become eligible due to a disability, your month of eligibility is the 25th month of receiving Social Security disability insurance (SSDI).

  • If a Medicare beneficiary is enrolled in an employer-sponsored plan and the plan terminates or ceases to provide benefits.
  • If a Medicare beneficiary is enrolled in a Medicare Advantage plan and; 1) the plan’s certification is terminated, or 2) the plan ceases to provide all services, or 3) the enrollee moves out of the service area, or 4) the plan violates the contract, 5) misrepresents during marketing.
  • If a Medicare beneficiary is enrolled in a Medicare Supplement policy, terminates it and enrolls for the first time in a Medicare Advantage Plan, and dis-enrolls from the chosen coverage within the first6 12 months as permitted under federal law.
  • If an individual is first eligible for Medicare Part A and B and enrolls in a Medicare Advantage plan, and dis-enrolls within the first 12 months after enrollment as permitted by federal law.

All Medicare Supplement companies including Aetna must follow these federal laws.

You can sign up for an Aetna Medicare Supplement plan at anytime of the year.  There are no special open-enrollment periods.  The open enrollment periods only apply to Medicare Part D and Medicare Advantage plans.  So don’t wait, you can enroll today.

Enrolling is Simple & Fast … I can email, fax or mail the application to you.  After you receive it, please call me and I can walk you through it.  Then simply fax it back to me for processing.  I will make sure the process is quick, accurate and our requested effective date is honored.

Call today, and I will answer all of your questions right over the phone, there’s no obligation.

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

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Do You Qualify for a Medicare Supplement

Anthem Blue Cross Medicare SupplementIf you are on Medicare and wish to enroll in a Medicare Supplement plan, you need to qualify before the company will approve the application.

What I mean by qualifying is; there is one of two ways to enroll.  1) You will answer the health and prescription questions on the new enrollment form and be able to pass medical underwriting with your current and previous health status .. Or .. you enroll because you qualify for a “guarantee-Issue” enrollment.

Medicare Supplement Rates

The Medicare Supplement approval process does not follow the same rules as the Affordable Care Act” with the under age 65 health insurance plans, where everyone is eligible if they enroll during a qualifying open enrollment period.

  • Medical Underwriting & Health History … a person who enrolls must be approved after answering all health history questions on the enrollment form.  Each company has a list of questions which need to be answered.  Some companies are more lenient than others, and may ask fewer questions or require less medical information.  An applicant will either be accepted or denied the policy.  If accepted there are no exclusions or waiting periods.
  • Guaranteed-Issue Enrollment … this is the easiest because you the company doesn’t require you to answer anything regarding your health status.  Guaranteed-Issue’s are different “open-enrollments available to anyone on Medicare, but you need to be careful because some of the open enrollments can close quite quickly.
  • The most used is the “Initial Enrollment Period” which is a 6 month open enrollment starting when you first enroll in Medicare Part B.  Another popular time is what is called a “Special Enrollment Period” which allows for several situation, but one of the most used is when a person exits an employer health insurance policy and wishes to enroll in a Medicare Supplement policy.  This enrollment period allows for a person to enroll within two months.
  • List of commonGuaranteed-Issue” (G.I) situations.

Under age 65 Medicare members … If you wish to enroll in a Medicare Supplement policy you will need a guaranteed-issue situation.  Companies will decline your application if they see you do not qualify for G.I.

Do not let one of these open-enrollment situations pass you by.  You may not be able to enroll again.

If you know of someone turning 65, new to medicare or leaving a group health plan, or anyone who is looking into a Medicare Supplement policy, please let them know about this information or forward this web page to them.  Have them call me, I’ll be happy to look into their options.

Medicare Part D Rx plans … Part D plans also have “Special Enrollment Periods” throughout the year, though most will enroll and or change plans during the Annual Enrollment Period which is from October 15 through December 7 for a January 1, start date.

Remember, if you are not eligible for a Special Enrollment Period (SEP) you can still apply for a new Medicare Supplement anytime of the year, simply answer the health history questions on the enrollment forms and wait for the company to respond.  If you have or had a certain condition(s) it important to know which company to apply to., since they all ask different questions, and how far back you have been treated.  Call and I can give you a good idea which company may be the easiest route.

Questions? Call or email anytime.

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

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Blue Shield Medicare Supplement

Inpatient or Observation for your Hospital Stay

inpatientDid you know that even if you stay in a hospital overnight, or even a couple days, you might still be considered: “outpatient status.”

Your hospital status (whether the hospital considers you an “inpatient” or “outpatient”) affects how much you pay for hospital services (like X-rays, drugs, and lab tests) and may also affect whether Medicare will cover care you get in a skilled nursing facility (SNF) following your hospital stay.

  • You’re an inpatient starting when you’re formally admitted to a hospital with a doctor’s order. The day before you’re discharged is your last inpatient day.
  • You’re an outpatient if you’re getting emergency department services, observation services, outpatient surgery, lab tests, X-rays, or any other hospital services, and the doctor hasn’t written an order to admit you to a hospital as an inpatient. In these cases, you’re an outpatient even if you spend the night or several nights at the hospital.

Medicare Supplement or Medicare Advantage Details

More Medicare beneficiaries are entering hospitals as observation patients every year. The number rose 88 percent the number of patients staying under observation for at least 72 hours.  Up to 1.8 million nationally in 2016, according to the Medicare Payment Advisory Commission, which helps guide Congress on Medicare issues. At the same time, Medicare hospital admissions stayed about the same.

Skilled Nursing Care

Medicare Part A (Hospital Insurance) covers Skilled Nursing care provided in a skilled nursing facility (SNF). Thus, when your hospital status is listed as “Observation” or outpatient, this falls under Medicare Part B which does not cover SNF’s if you need care after being discharged from a hospital.

What do I pay – Inpatient vs. Outpatient?

  • Medicare Part A (Hospital Insurance) covers inpatient hospital services. Generally, this means you pay a one-time 60 day deductible of $1,288 for all of your hospital services for the first 60 days you’re in a hospital.
  • Medicare Part B (Outpatient Medical) covers most of your doctor services when you are considered outpatient. You pay 20% of the Medicare-approved amount for doctor services after paying the $166 Part B deductible.

Two-Midnight Rule

In 2013, the Centers for Medicare and Medicaid Services (CMS) issued guidance called the “two-midnight rule” which helps to further identify which patients should be admitted as inpatient and covered under Medicare Part A (hospitalization) rather than Part B (outpatient). The rule states that if the admitting doctor expects the patient will need to be in the hospital for a time period that spans at least two midnights, the care would be billable under Medicare Part A.

In 2015, CMS updated the two-midnight rule to provide more flexibility for case-by-case determinations. The new guidelines still generally call for a hospital stay that spans at least two midnights before Medicare Part A applies, but they also leave some wiggle room for physician discretion. If the doctor believes that the patient’s treatment warrants inpatient admission even when

Remember: Any days you spend in a hospital as an outpatient (before you’re formally admitted as an inpatient based on the doctor’s order) aren’t counted as inpatient days. An inpatient stay begins on the day you’re formally admitted to a hospital with a doctor’s order. That’s your first inpatient day, and the day of discharge doesn’t count as an inpatient day.

Payment for inpatient services. When admitted to the hospital as an inpatient, Medicare pays for the care under the inpatient prospective payment system (IPPS). The IPPS provides a single payment for all of the services provided to the beneficiary by the hospital during the inpatient stay, including nursing staff, room and board, use of operating or diagnostic facilities, and drugs.

Payment for outpatient services. Hospitals bill for all of the services administered to a beneficiary and can receive multiple APC payments for the care provided during a single visit. In general, the more services that an outpatient receives, the greater the OPPS payment the hospital receives.

When being admitted into a hospital please be aware of the two options. Inpatient status or Observation status.  There could be additional costs associated with an “observation” stay, along with not being eligible for Skilled Nursing Facility coverage through Medicare.

Medicare Supplement Plans

Questions?  Call or email anytime.

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

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How to Find the Best Medicare Part D Rx plan

medicarerx2019 Medicare Part D Rx plans can really help you fight the cost of prescription drugs.  In most cases the costs of prescriptions are decreased by up to 75% and sometime higher.

  • 2019 Medicare Advantage PPO, HMO & Part D plans.

OPEN ENROLLMENT  –  These prescription plans are considered Medicare Advantage plans which have “open-enrollment periods.”  The most common is the Annual open enrollment period running from October 15 through December 7 of each year.

This is the time all Medicare members are able to view, compare and change Part D Plans.  Any changes will be effective January 1.

Enrollment Opportunities:

  • Initial Enrollment Period (IEP) when a person first becomes eligible for Medicare, they have three months to enroll in a Medicare Part D plan, from the time their Medicare coverage starts.  After this three month window closes, they will be locked out until the next open enrollment.
  • Annual Enrollment Period (AEP) – This is the time each year you are able to change Part D companies or stay with the same plan.  The AEP starts each year on October 15 and ends December 7, for an effective date of January 1st.
  • Special Enrollment Period (SEP) If you are exiting an employer health insurance plan, or if you have moved outside of the plans service area, both allows a two month open enrollment period for you to choose and enroll in a Part D plan.

Another common “special enrollment period (SEP)” is if a person who is currently is enroll in a Part D plan, but moves their residence outside the the Part D plan or company service area.  Or, if a Medicare Advantage plan does not renew or offer coverage the next year.  These situations also allows a two month open enrollment period to find a new plan in your county of residence.

ALSO – If you if you move into, reside in, or move out of a qualified institutional facility: a skilled nursing facility, nursing home, psychiatric hospital or unit, Intermediate Care Facility for the Mentally Retarded—ICF/MR, rehabilitation hospital or unit, long-term care hospital, or swing-bed hospital.  These all provide SEP opportunities anytime of the year.

Where to Compare Part D Plans …

One of the best places to compare all of the Medicare Part D plans in your county is the Medicare website.  There will typically be 25 to 30 plans available in your county.

Be sure to compare all plans because each plan and company will provide a different level of coverage for your prescription list.

Choosing the right Part D plan will benefit you greatly when paying for your meds throughout the year.  On the other hand, choosing the wrong plan may cost you hundreds and potentially thousands of dollars more.

Unfortunately the Medicare website isn’t an easy site to navigate.  When entering your meds, dosage and frequency you need to be very accurate, and double check your entries.  If you are not familiar with the website mistakes can be made, altering the results.

2019 Part D Coverage Details …

Private insurance companies are the only place to purchase a Part D Rx plan.  And most follow a “Standard Benefit Plan Outline” which is as follows:

  • Initial deductible ($415) – Some plans may have an annual deductible, while others do not have any deductible at all, allowing “first dollar coverage.”  After the deductible is met the Plan pays 75% and you pay 25% of the covered costs until the total prescription costs meet the initial Coverage Limit.
  • Initial Coverage Limit ($3,820) – Once you satisfy a deductible, then you will most likely have copays for each of your prescription drugs.  This coverage limit extends to the point where the total retail cost of the medication(s) reach $3,750.
  • Coverage Gap “Donut Hole”  ($3,820 – $5,100) – Next is the “Coverage Gap” (Donut Hole) this part of the plan is when you have your retail costs of your prescriptions reach a total of $3,820.  At this point you will pay 56% of your “Generic” drugs and the 65% of your “Brand” drugs, until your total prescription retail price cost reaches $5,000.  You get these savings if you buy your prescriptions at a pharmacy or order them through the mail. The discount will come off of the price that your plans has set with the pharmacy for that specific drug.
  • Catastrophic Coverage ($5,100) – After the Donut Hole you enter the “Catastrophic Coverage” portion of your plan.  This is when a person has spent more than $5,000 in prescription costs.  At this time, they will be protected by the Catastrophic Coverage which typically covers 95% of their drug costs for the balance of the year.

Looking for a Medicare Supplement or Medicare Advantage?  Click Here.

“As an Independent Agent, it’s my choice not to sell Part D plans but I’m happy to help you with your comparison.  I help my clients every year go through their Part D options, so feel free to call or email anytime.”

Contact John Conner for more information.

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

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8 Tips to Help You Find the Right Medicare Supplement

How do you find the right Medicare Supplement Plan, when there are so many options out there? Here are some tips to help you better understand.

The Medicare Open-Enrollment starts October 15, please call for details in your area.

8 Tips:

1. When you first become eligible for Medicare A and B … this is the first available time when you can enroll in a Medicare Plan.  And during this time you will be flooded with every company mailer, advertising piece and brochure.  They will start filling your mailbox about 4 months prior to you turning 65.  These piles of fancy marketing material typically tries to push you into that companies most profitable Medicare plan, which is usually one of their Medicare HMO’s.  Be sure to take your time, ask questions, look at different plan and policy options, so you end up with a policy that best fits your needs.

With all of this you will want to do a little homework or call an independent agent like myself.  One who is not going to push one company on you, but rather show the different company rates and discuss the differences between a Medicare Supplement, Medicare Advantage and Part D Rx plans.

2.  If you are exiting an “employer health insurance” policy … you have a 2-month open enrollment period which allows you to enroll into any Medicare plan available to you in your area.  Again, be sure to check many of the popular companies and comprehensive plans.

3.  The Medicare website is not necessarily the best place to check what Medicare Supplement companies and plans are available in your zip code. It typically will not provide current premiums and what plans the company is offering.

4.  Compare the different company premiums …  There may be quite a difference when comparing.  Since all Medicare Supplement policies are Federally standardized, there is no reason to pay more for the same type of policy. Federally standardized means; all Medicare Supplement plans provide the same benefits.  For example, Plan F, provides the exact same benefits and pays for the same services as any other Plan F nationwide.  So when looking at benefits, company A’s Plan F, will be exactly the same as company B’s Plan F, or, company A’s Plan N is the same as company B’s Plan N.

Here is a basic Medicare Supplement coverage outline, showing which each Medigap plan covers:

Medicare Supplement Plan Chart 2016

5.  If you currently have a Medicare Advantage HMO or PPO … and wish to move to a Medicare Supplement policy, you can try to move anytime of the year.  Although there are a few things to keep in mind.  If you dis-enroll or cancel your Medicare Advantage plan mid-year (outside of open enrollment) you will also be cancelling your Medicare Part D coverage and will not be eligible for a new plan until the next January 1.  Also when applying for the new Medicare Supplement policy, you will need to answer the health and prescription questions on the enrollment form.  The company will then review your application and base their decision on your current and past health status.  The policy may be declined because of health status, or will be approved.  Cancelling a Medicare Advantage plan mid-year can be a bit tricky, so call me and we can take a look at your options.

6.  If your Medicare Advantage plan non-renews … (or if you move out of the service area … This is an easy one.  You will have 2 months to enroll into any available Medicare Supplement, Medicare Part D Rx or Medicare Advantage plan.  This is a small open-enrollment you can take advantage of and enroll (guaranteed) into any plan available in your county.

7.  California Birthday Rule … This Medicare Supplement rule allows anyone who resides in California and who currently has a Medicare Supplement policy in force to switch companies to a plan with similar benefits or less. This is a guaranteed enrollment, you don’t need to answer any health or prescription questions on the new enrollment form.  Every company has a little different interpretation of this rule, but generally; from your birthday and up to 30 days past, you can enroll in a new companies plan without medical underwriting.  This is a great opportunity for you to save by switching companies.

8.  Look for company discounts … some of the current discounts are; Spouse discount. This is when both enroll in the same company and plan, the discounts range from 5% up to 12% depending on the company.  Monthly bank debit discount is another one. For those who like or don’t mind their monthly premiums being deducted automatically from a bank or savings account, several companies offer a $2 or $3 per month discount.  Then there is the “New to Medicare” which both Anthem and also Blue Shield are offering.  This is for anyone who is new to Medicare and enrolls in one of these two companies Medicare Supplement plans, they will receive a $15 (Blue Shield) or $20 (Anthem) monthly discount for the first 12 months they are on Medicare.

A few links for you:

Questions?  Call or email anytime.

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

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Silver Sneakers for Blue Shield Medicare Supplement Members

Blue Shield of California now offers the SilverSneakers Fitness Program to subscribers of the Blue Shield Medicare Supplement plans throughout California.  The current Medigap subscribers can join the Silver Sneakers program at no additional cost and enjoy fitness, fun and friends with the award-winning program.

Designed exclusively for older adults and taught by certified instructors, offers an innovative blend of physical activity, healthy lifestyle direction and social opportunities to Medicare-eligible individuals.  Studies have found individuals who participate in Silver Sneakers have a significantly lower risk of depression and require fewer admissions to the hospital.

Silver Sneakers … You can use as many facilities as you like!  Work out with cardio and weight equipment, access pools or take group exercise classes taught by instructors trained specifically in senior fitness.

Did you know Blue Shield is the only California based company to offer Silver Sneakers with their Medicare Supplement plans.  This award winning fitness program gives members a fitness club membership and access to more than 13,000 participating locations across the country, including 24 Hour Fitness, YMCAs and many others.  Best of all, it’s at no extra cost to you.

Anthem   Blue Shield   Aetna   Mutual of Omaha   Medicare Advantage 

Silver SneakersMembers have access to a wide variety of benefits, including:  A basic fitness membership at any participating location around the country, with access to all amenities usually included with a basic membership.

  • A trained Senior adviser at each fitness location to introduce you to Silver Sneakers, show you around the location and help you get started.
  • Silver Sneakers classes.
  • Silver Sneakers Steps, for members without convenient access to a location.
  • ACT NOW for Fitness … to help you track your health progress.
  • Health education seminars and other events.

Blue Shield Medicare Supplement plan members who reside 15 miles or further from a participating  Silver Sneakers location have access to the Silver Sneakers Steps program.  Members count the steps they take daily while engaging in activities they enjoy such as walking, dancing, playing with the grand kids or working in the yard.

Silver Sneakers Steps members receive a kit that includes a step counter, exercise bands, an exercise DVD, exercise illustration cards and a drawstring bag to store their Steps program tools.

How do I enroll in Silver Sneakers Enrolling is easy.  Take your health ID card to a Silver Sneakers participating fitness location and the friendly staff will take care of the rest.  It usually takes less then 30 minutes.

Am I limited to using just one fitness location?  No.  You are welcome to use any of the more than 13,000 participating locations nationwide.  After you enroll, you will receive a listing of participating locations near you, amenities, addresses, and phone numbers. Or, you can go here: http://www.silversneakers.com 

Questions?

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

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Medicare Supplement Plans California

Medicare Supplement plans in California offer a fantastic benefit called the “Birthday Rule.”

This rule allows you to switch companies each year on the month of your birthday, without having to answer any medical questions.  This move is guaranteed as long the move is to a plan with equal or less benefits.  All Medicare Supplement companies in California must follow this birthday rule.

You need to know the difference between the different Medicare Supplement (Medigap) plans.  Medigap plans are insurance policies sold by private insurance companies that are designed specifically to fill in the gaps left by Medicare.  Medicare Supplement plans help pay for some of the Medicare deductibles and coinsurance which you would be responsible for.  Each plan; A, C, D, F, G, N and M are some of the available California Medigap plans.  Each offers different benefits and all are priced medicare-provides-no-coverage-outside-the-us-1differently.

Each company sets their own rates, so please compare the different rates in your area.  Prices vary drastically.  Also be sure to check the new Medicare Supplement plans M and N.  They offer some unique benefits.  Plan F continues to be the plan of choice for most Medicare beneficiaries because of the comprehensive benefits.

The Medicare deductibles continue to rise, the part A deductible is now $1,316 per 60 day benefit period.  This is not a traditional annualized deductible.  There are six potential benefit periods per year, meaning there is a possibility you would be responsible for six, $1,184 deductibles in any given year.  This is why most seniors choose to purchase this insurance option called a Medicare Supplement plan.

Medicare Part D Rx … You will also need to purchase a Medicare Part D Prescription Drug plan.  Most plans are between $20 to $45 per month which provides coverage for your prescription medications.

Enrolling is Easy … Applying is easy; once you are enrolled in Medicare parts A and B, you can enroll into a Medicare Supplement plan with companies such as; Anthem Blue Cross, Gerber, Family Life, Aetna, Blue Shield, and Compare plans, then pick a solid company with low monthly premiums.  Please call today with your questions, I’m here to help!

Medicare Advantage Plans … Also compare the $0 premium plan – Anthem Medicare Preferred PPO Plan  (includes Prescription Rx plan). Click here to learn more.

Question?

John Conner
916-682-1117

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Medicare Supplement Plan G in Ohio

Medicare Supplement Plan G is quickly becoming a very popular choice between Medicare Supplement Plans.

Identical to Plan F, except Plan B does not cover the Medicare Part B annual outpatient deductible of $183.  Depending on your current age, Plan G will offer a significantly lower premium than Plan F.

Be sure to compare several companies before choosing.  For example; Aetna, Anthem, Mutual of Omaha,  will most likely be some of the lowest priced Medicare Supplement plans in your area.  The Anthem plans available in Ohio as in most of the other Anthem States (California, Colorado, Connecticut, Indiana, Kentucky, Missouri, Nevada, Ohio, Virginia) are; A, F, G and N.

Ohio Medicare Supplement Plans:

Plans; F and N provide a different level of coverage.  Original Medicare has deductibles and co-insurance for both inpatient and outpatient coverage.  Part A (Inpatient hospital) has a $1,316 ‘benefit-period deductible for each 60 day benefit period.  Medicare Part B (Outpatient) has an annual deductible of $183 and then 20% coinsurance after the deductible is satisfied (Medicare pays 80% you are responsible for 20%).

Medicare:

Original Medicare – The federal health insurance program available to people 65 years of age or older.  Medicare is also available to people with certain disabilities who are under age 65 and also on Medicare.

  • Part A is Hospital Insurance.  This pays for inpatient hospital stays, care in a skilled nursing facility and hospice care.
  • Part B Medical Insurance (Outpatient).  This helps pay for doctors services, outpatient hospital care, durable medical equipment and some medical services not covered by Medicare Part A.
  • Part C – Medicare Advantage Plans (Usually HMO’s and PPO’s).  Only available through private insurers contracted with Medicare.  Medicare Advantage plans are usually County specific, meaning they are available in certain counties.  Premiums can typically range from $0 to $100 per month, although most are in the $50 to $75 range.  A Medicare Advantage plan will take the place of Medicare for your health insurance needs.  Medicare is still in place but merely in the background.
  • Part D is Prescription drug coverage.  Like a Medicare Advantage plan, Medicare Part D is available only from private insurance companies.  Joining a Medicare Part D plan is voluntary, and you pay a monthly premium for the coverage.  You must first have Medicare Parts A and B before enrolling in a Part D Rx plan.

Other Companies …

Anthem – Mutual of OmahaAetna

Enroll …

If you are in a “Guarantee-Issue” period or situation, you do not need to answer any of the “health history” or “prescription” questions on the application.  First you will need to print the appropriate State  Complete the application and fax it to me for processing, I’ll do the rest to make sure you receive your requested effective date and the application process is quick and accurate.  Please feel free to call me and I will walk you through the application.  The application process will usually take 1 to 2 weeks to complete.

Questions?

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

Information Request:

Quote and Information Request

For a personalized quote and plan information for yourself, family or company, please complete the quote request form below.

Quote & Information Request:

Please feel free to email this page to a friend.