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.

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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.

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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 Net, and Aetna.  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

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Author: John

Medicare Options along with Individual and Group International Medical Insurance Options.