Anthem Innovative Medicare Supplement F in California

Anthem Blue Cross Medicare Supplement plans are some of the most competitive and well respected in California.  Anthem is now offering Silver Sneakers fitness program at no additional cost with all of their Medicare Supplement plans.

Also, Anthem now has the new “Innovative Plan F” for California residents.  The Innovative F provides the same coverage and benefits as the traditional plan F, although now includes “Vision” and “Hearing” benefits at no additional premium.  The monthly premium is also lower than the regular Anthem Plan F.  Click the link below to view the Innovative F rates.

Anthem Medicare Supplement “Innovative Plan F” Rates

DISCOUNT – Are you new to Medicare?  Save $240 – Anthem offers a “New to Medicare” discount of $20 per month off your Medicare Supplement plan F premium.  As long as you are within 6 months of your Medicare Part B effective date, the discount is for the first 12 months of coverage and will end at the policy’s one year anniversary.

  • 2020 Anthem Medicare Advantage plans  Click Here

With a Medicare Supplement policy from Anthem you’re free to see any doctor, specialist or hospital across the U.S. who accepts Medicare.  No referrals or networks to fuss with.

Your plan F pays the deductibles, percentages and coinsurance that Original Medicare doesn’t cover.  And enjoy the security of knowing your benefits won’t change, even if your health needs do.

With more than 70 years of experience, you are free to enjoy the reliability, reputation and service that only Anthem Blue Cross can offer in California.

Go with the best, choose a Medicare Supplement

  • Access to any doctor and hospital across the U.S. who accepts Medicare.
  • Plans typically do not change from year to year.  Medicare HMO plans on the other hand change benefits, Rx coverage and doctor networks each year.
  • Want a health plan that will cover deductibles and coinsurance not covered by Original Medicare.
  • No paperwork or claims to fuss with.

Keep your own doctors and hospitals, choose your own specialists and other health care providers.  As long as they are Medicare approved, you are allowed access to them.  Remember, no claims to fuss with – your doctor and Medicare Supplement plan take care of it for you.

  • California Birthday Rule – switch companies every year on your birthday, regardless of you health status:  (View the info here).

In California, if you are a current Medicare Supplement member (with any company) you are able to switch companies on the month of your birthday every year to a company of your choice – Guaranteed, and no health questions asked.

So regardless of your current health status you can switch to a company with the same Medicare Supplement plan or one with less benefits.  This is a great benefit to take advantage of so you aren’t stuck with the same company who’s premium becomes noncompetitive.  This Birthday rule is unique to California residents only.  Please call if you have any questions.

Medicare Supplement Rates

Advantages of a Medicare Supplement plan

  1. You keep Original Medicare as your primary health insurance.
  2. A Medicare Supplement will cover the Medicare Part A and B deductibles and coinsurance which Original Medicare does not pay for (depending on the Medigap plan you choose).
  3. Free to see any doctor or hospital in America who is Medicare approved.
  4. Your coverage stays the same year after year.
  5. If you move to another area or a different state your policy can go with you.
  6. Compare Medicare Advantage Plans

If you are looking for a plan with the most comprehensive benefits, a Medicare Supplement is the plan for you.

Costs Medicare does NOT cover:

  • Medicare Part A and B Deductibles
  • Coinsurance and co-payments
  • Dental care
  • Cosmetic surgery
  • Custodial care
  • Acupuncture
  • Hearing aids
  • Routine eye and most glasses
  • Non-skilled care in nursing homes
  • Most outpatient prescription drugs

Enrolling is Easy

Call or email for the correct enrollment form.  When completed simply fax or email the application back to me for processing.  I’ll do the rest to make sure your application is issued promptly and accurately with the effective date you request.  Look into the many Guaranteed-Issue rules, which you may fall into (View Here).

Medicare Part D Rx

You will also need to enroll in a Medicare Part D Rx plan for your prescription coverage.  The best place to start is right here!  You can email your medication list to me with the name of the drug, dosage and frequency.

I will enter the information into the Medicare website, and email the results to you.  The results will show the top 3 plans in your county, which provides the best coverage for the lowest cost for your prescriptions.  Please call anytime I am happy to help.

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help you with enrollment and service.

Please feel free to reach out to me by phone (916) 682-1117 or email at or simply complete the brief information request form below.

John Conner

Questions & Comments:

Anthem Blue Cross Innovative Plan F Medicare Supplement Los Angeles

Anthem Blue Cross has a new Medicare Supplement called the Innovative Plan F.  Identical to the original Plan F, except the new Innovative F includes vision and hearing benefits at no additional cost.  And the Innovative F rates are quite a bit lower then the original Anthem F plan state wide.

Anthem Medicare Supplement Rates

Hearing Benefit

  • 1 routine hearing exam every 12 months.
  • Fitting evaluation for hearing aids.
  • $750 allowance toward hearing aids every year.

Vision Benefit

  • $25 exam copay once every 12 months.
  • $25 lens copay once every 12 months.
  • $100 allowance for frames every 24 months.
  • $100 allowance for contact lenses every 12 months in lieu of eyeglasses.


Provides access to a registered nurse 24/7 who can assess, educate, and triage symptoms to the most appropriate level of care.

With lower monthly premiums and the added vision and hearing benefits, the new Innovative plan F is one of the most sought after plans

Enroll and enjoy the plan with its great benefits starting the first of the month following the application submission. Most enrollments typically take a couple weeks.

Who Buys a Medicare Supplement?

A person looking for freedom of choice with doctors, specialists and hospitals .. access to care.  No networks or referrals to fuss with.  Also, comprehensive coverage.  100% coverage, or maybe a small $183 annual deductible or a plan with a $20 copay.

A person who who also wants to pick the best Medicare Part D Rx plan for their medication list.  With medicare and a medicare supplement plan, you are free to choose any of the 25 Part D rx plans available in your county.

When you choose an Medicare HMO, the Part D plan is included in the HMO.  You are not able to choose a different Rx plan, you must enroll only in what the HMO plan provides.

Innovative Plan F has lower premiums then the original Anthem Medicare Supplement plan F, even with the additional hearing and vision benefits included.

Keep in mind, the California Birthday rule does not apply to the new Innovative plans because moving to an Innovative plan is considered an upgrade, so you must be either new to medicare (6 month open-enrollment), exiting a group health policy (2 month open-enrollment) or  moving out of your current medicare advantage service area (2 month).

The California Birthday rule allows you to move to a different company with the same plan or one with less benefits.  If you wish to upgrade, you must answer the health questions on the new company application.

There are many different rules pertaining to medicare supplement open enrollment opportunities, so please contact me and we can discuss your current situation and options.

Across State Lines:

With a Medicare Supplement policy you are able to see doctors and hospitals across state lines and in any state of the U.S.  If the doctor accepts Medicare your policy will pay for the services provided regardless of the city, county or state the doctor practices in.

If a highly recommended specialist office is in Connecticut, or New York, or Florida and they accept medicare.  Make the appointment, your policy will pay for the medicare services.

Compare Medicare Supplement Rates

The Anthem Medicare Supplement Innovative plan F has a lower premium then the traditional Anthem Plan F.  There is no need to enroll in the old plan F, enjoy the lower premiums and additional vision and hearing benefits at no additional cost.  Call today for details.

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help you with enrollment and service.

Please feel free to reach out to me by phone (916) 682-1117 or email at or simply complete the brief information request form below.

John Conner

Questions & Comments:

Anthem Innovative Medicare Supplement Plan F (Santa Clara County)

The Anthem Innovative Plan F Medicare Supplement in Santa Clara County has one of the best offers available of any Medicare Supplement Company. Vision and hearing benefits are included at no additional cost.

Anthem Medicare Supplement plans and rates along with surrounding areas of the South Bay are some of California’s most competitive Medigap rates.  You will also want to compare Blue Shield,  Health Net,  UnitedHealthcare and Health Net.

California Birthday Rule As a California resident and Medicare Supplement member you are allowed to switch to any company with the same plan or one with less benefits during the month of your birthday.  This option is unique to California residents only. The transfer can be a lateral move or a downgrade.  Upgrading your plan, you will need to answer any health questions on the new application.

So when you are close to your birthday month call me and I can send you a comparison of the best rated companies and plans for you to compare.  Or, you can visit this website to compare Medicare Supplement rates of the other carriers and if there is lower rate available, you may want to consider a move.

Medicare Part D Rx for Santa Clara County Residents Don’t forget the prescription plan, which is called the Medicare Part D Rx plan.  Offered through insurance companies, with typically over 30 plans in each county.  So you will need to compare the plans to make sure the one you choose fits your needs.

A good place to start is the Medicare website.  This site will show you all the available plans in your area.  Or, you can call me and I’ll cut through most of the info which doesn’t help you, to find the best plans for your medication list.

Premium Discounts …
  • New to Medicare discounts: $15 – $25 per month for the first year with Blue Shield, Anthem and Health Net.
  • Household discount also called the Spouse discount, if both are enrolled in the same plan and company:  %5 – 12%.
  • Call today to make sure you are receiving all available discounts.

Medicare Advantage plans are typically HMO plans with a few PPO Advantage plans in Southern California.  Many have a $0 monthly premium which includes the Medicare Part D Rx plan at no additional cost to you.  The Annual Open-Enrollment is from October 15 to December 7.

Santa Clara county currently only has HMO Advantage plans available.

If you are strictly looking for a Medicare Supplement plan, they are all  Federally Standardized, which means each plan is identical with any other. For example if you are looking at Aetna’s Plan F, their medical benefits are identical benefits to any other available Plan F.

Medicare Open-Enrollment Dates

Anthem Innovative Plan F

Although Anthem has introduced an “Innovative Plan F” which is identical to the traditional Plan F, except the Innovative F includes Hearing and Vision benefits at no additional cost.  They have also lowered their Plan F rates across California.

The only difference will be the monthly premium and the company member service. How easy or difficult is it to work with any of these companies. Most provide very good service, and some are a little more difficult when making changes or requesting information.  Call me anytime and I’ll fill you in on which companies are the easiest to do business with, and which companies to stay away from.

Enrolling in a Medicare Supplement is EasyA simple enrollment form whether it is during an open enrollment or anytime during the year. Contact me anytime, and I’ll walk you through the process to make sure your new policy is issued accurately and the date you desire.

Anthem Dental PPO:  Brochure &  Application

John Conner

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