Sacramento County Medicare Supplement Rates

Sacramento County Medicare Supplement plans in 2017 offer some of the best rates in all of California.

When going through your comparison be sure to look at both Anthem and Blue Shield, because if you are new to Medicare, Anthem offers a $20 per month discount for the first twelve months, and Blue Shield offers a $15 per month discount also for the first year.

To compare the Sacramento Medicare Supplement monthly rates of the most competitive companies in the Sacramento area, or any other part of California please click on the link above to start your comparison.

Some of the companies to review are: Aetna, Blue Shield, Anthem, Mutual of Omaha and Health Net.  With these companies you will be able to compare Plans F, N, G and D.  The most popular of the available Medicare Supplement policies.

Why Medicare Supplements are so popular:

  1. Access to care.  With any Medicare Supplement plan you are able to see any doctor, specialist, hospital or other medical facility in the U.S. as long as they accept Medicare.  That’s over 95% of all providers.  No need to fuss over checking a network or getting a referal from a primary care doctor.  If they accept Medicare your plan pays.  It’s as simple as that.
  2. The second reason is how comprehensive the plans are.  Medicare Supplement plans are “letter plans,” each plan providing a different level of coverage.  Plan F for example is literally 100% coverage.  If you go to a doctor or hospital who accepts Medicare, you don’t have to pay anything out of your pocket. No copays, no deductibles, no percentages.  You can’t get much better than that.

An alternative to a Medicare Supplement plan is what is called a Medicare Advantage plan, which are usually HMO style plans. Medicare Advantage plans are “County Specific” which means each county has their own plans.

Some Counties will have dozens of Medicare Advantage plans available other Counties don’t have any.  Some counties will also have Medicare Advantage PPO plans which are a traditional PPO style plan that looks and feel a lot like an employer group health ppo plan.  It typically has office copays, possibly an annual deductible and also percentages which are owed for certain services.

For the most part, all Medicare Advantage plan include the Medicare Part D Rx coverage, so you will not need to enroll in a prescription plan if you are enrolled in a Med Advantage plan.

Why Medicare Advantage Plans are Popular?

The only reason for their popularity is the monthly premium.  Most Medicare Advantage plan are very cheap.  They are heavily subsidized through Medicare and with the heavy subsidy, the typical plan premium is anywhere from $0 to $50 per month.  Much lower then the average Medicare Supplement premium.  The coverage options and access to care are very poor compared to a Medicare Supplement, but the premiums are what keep Medicare member coming back year after year.

Medicare Supplements also known as Medigap, are designed to work side by side with Medicare, to fill in the gaps where Medicare lacks to provide coverage.  With a Medicare Supplement you “keep” Medicare along with your Medicare Supplement Plan.

Enrolling in either a Medicare Supplement or Medicare Advantage is easy and quick… Although you need to be aware of certain available enrollment dates fore each plan, because both do not follow the same rules and can get a bit confusing.

Enroll Today …  Contact me for the quick and simply enrollment form to complete.  Fax or email it back to me for processing, and I’ll do the rest to make sure you policy is issued quickly, accurately and with your desired effective date.

Traveling Insurance .. Medicare Provides NO coverage outside the U.S.

Questions?

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.