Simi Valley and all of Ventura County enjoy pretty competitive Medigap (Medicare Supplement) rates from most of the carriers in California. Some companies simply do not like certain counties or areas within California, so you need to compare rates very carefully when shopping for a new plan.
The California Birthday Rule … A great rule within the California Medicare Supplement regulations is, if a person has a Medicare Supplement in place, they can switch to a new Medicare Supplement company with the same benefits or less on the month of their birthday. This is a guaranteed switch, regardless of current or past health status. You don’t even need to answer any of the health, prescription or doctor visit questions on the new enrollment form.
Doctor Choice … Can you see any doctor or hospital? Yes, and doctor, hospital or specialist who accepts Medicare, that’s nearly 96% of all medical professionals nationwide. There are no networks, if the doctor accepts Medicare, your Medicare and Medicare Supplement will pay for the approved services.
Medicare Part D Rx plans … they are a separate policy, Medicare Supplement policies do not include prescription drug services. Most members will enroll in a Part D plan which best fits their needs and medication list. Most counties will have between 25 and 30 plans to choose from. Each plan treats medications differently and will differ greatly how they help pay for your medications. Plus each year the Part D companies make adjustments to their plans which affect how well or poorly they pay for different medications.
Take advantage of this annual opportunity to compare plans each open enrollment which runs from October 15 through December 7. This gives you a great opportunity to check on the changes to your current plan and compare the other plans offered in your county.
New to Medicare discounts in Simi Valley. Some companies will offer a discount for the first 12 months once you start Medicare. $15 to $20 per month discounts are available, so keep that in mind when you are just starting out.
Medicare Supplement Enrollment Dates … There are several situations which allow you to enroll in a Medicare Supplement policy without going through medical underwriting, which means you do not have to qualify medically. The Initial enrollment period is a 6 month period which starts when you first become Medicare eligible. This time allows you to enroll in any Medicare Supplement policy available to you for six months. Another open enrollment is when your employer group health insurance is ending, this gives you two months to enroll in a Medigap. Another instance is if you have a Medicare Advantage HMO and the policy is non-renewing, or you have moved out of the service ares. This also give you 2 months to enroll in a Medicare Supplement policy. Here are other guaranteed situations.
Simi Valley … 37 miles northwest of downtown Los Angeles, the City of Simi Valley, with an estimated population of 130,000 is the third largest of Ventura County’s ten cities. Occupying an area of approximately 42 square miles, it is located in Southeast Ventura County, adjacent to the northwestern perimeter of the San Fernando Valley. A few companies to consider within Ventura County are; Aetna, Anthem and Mutual of Omaha.
Please feel free to contact me anytime with questions or help with enrollment.