California Medicare Supplement – Anthem Blue Cross

Anthem Blue Cross Medicare SupplementAnthem Blue Cross offers Medicare Supplement plans; A, G and N.  All offering a different level of coverage and benefits.

POPULAR PLANS:  G & N

  • Plan G = $185 deductible, then 100% coverage.
  • Plan N = $185 deductible, then $20 copay for outpatient visits.
  • All three provide 100% coverage for Inpatient Hospital services.

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.

The Anthem Innovative plans include Vision and Hearing coverage at no additional cost:

HEARING BENEFIT (INCLUDED):

  • 1 routine hearing exam every 12 months.
  • Fitting evaluation for a hearing aid(s).
  • $750 allowance toward a hearing device(s) every year.

VISION BENEFIT (INCLUDED):

  • $25 Exam copay – once every year.
  • $25 lens copay – once every year.
  • $100 allowance for frames – every 24 months.
  • $100 allowance for contact lenses – every 12 months, in lieu of eyeglass lenses.

Anthem’s Medicare Part D Rx plans are also very competitive with the other Part D companies.  You can view Medicare Part D Rx info here.

Anthem Medicare Advantage (HMO & PPO):

Anthem MediBlue Medicare Advantage HMO & PPO … Open Enrollment for Medicare Advantage & Part D Rx plans is from October 15 through December 7. This is a great time to find the best 2019 Part D Rx plan for your medication list. If you are new to Medicare you have 3 months to enroll in a Medicare Advantage, or if coming off of an employer health insurance plan, you have 60 days to enroll.  Call me if you need any little help finding the right plan.

Example benefits for Plan G:

  • Medicare Part A deductible ($1,364 each 60 day benefit period).
  • Medicare Part B deductible ($185 per year) Not covered.
  • Medicare Part B co-insurance (20% after deductible).
  • Coverage for 365 more hospital care days after the Medicare benefits ends.
  • 3 pints of blood per year.
  • Skilled Nursing Facility care.
  • Covers 100% of Medicare Part B excess charges.
  • Home recovery care when Medicare approves a home care treatment plan.

SILVER SNEAKERS FITNESS PROGRAM:

silversneakersAnthem includes Silver Sneakers fitness program with all of their Medicare Supplement and Medicare Advantage plans.  SilverSneakers is the premier fitness program provided at no cost with all Anthem Medicare Supplement policies.  Millions of members, thousands of gyms.  Classes designed for all abilities. And our community is active, welcoming and fun.

Applying is easy, simply contact me for an application, and I’ll help with your application process.

Anthem Dental PPO:  Brochure &  Application

Questions?  Call or email anytime.

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

Information Request:

California Medicare Supplement

Medicare Supplement insurance, often called Medigap insurance, is your gateway to better access to care and greater benefits, which means; go to the doctor and hospital of your choice, and pay very little if anything when you seek medical services from a doctor or hospital.

There’s nothing better than a Medicare Supplement

Medicare Supplement policies only pay for services that Medicare deems medically necessary, and payments are generally based on the Medicare-approved charges.  If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs.  Then your Medicare Supplement policy pays it’s share.

A Medicare Supplement (Medigap) is different from a Medicare Advantage plan (typically an HMO or PPO) because those plans replace Original Medicare, while a Medicare Supplement policy supplements your Original Medicare benefits.

California has what is called; the Birthday Rule (Read more here).  This allows a person who currently has a Medicare Supplement plan to shop for a different company each year on the month of your Birthday, no health questions asked.

This is unique to California and allows you to switch companies, guaranteed and regardless of your current health status.  Be sure to take advantage of this great Birthday Rule option.  There is no need to be paying more than you should.

RATES:  Anthem,  Mutual of Omaha,  Aetna,  Blue Shield,  Health Net.

Every Medigap policy must follow Federal and state laws designed to protect you, and the policy must be clearly identified as “Medicare Supplement Insurance.”  Medigap insurance companies in most states can only sell you a “standardized” Medigap policy identified by letters A through N.

Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it.  Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.  Medigap policies are sold by private insurance companies that are licensed and regulated by the different state Departments of Insurance, but the benefits are set by the federal government.

There are eleven “standardized” Medicare Supplement plans currently available nationwide.  Plans; A, B, C D, F, High Deductible F, G, K, L, M and N.

Medicare Select:

Medicare Select is a type of Medigap policy sold in some states that require you to use hospitals, and in some cases doctors within a network to be eligible for full insurance benefits, except in the event of an emergency.  Medicare Select can be any of the standardized Medigap plans.

These policies generally cost less than other Medigap policies.  However, if you don’t use a Medicare Select hospital or doctor for non-emergency services, you’ll have to pay some or all of what Medicare doesn’t pay.  Medicare will pay its share of approved charges no matter which hospital or doctor you choose.

Open Enrollment:

Beginning on the first day of the month in which you and or your spouse are both age 65 or older and enrolled in Medicare Part B, you will have an open enrollment period for purchasing Medicare supplement insurance, which will last for six months.

During this time, you may exclude pre-existing health conditions for up to six months.  Since you have only a limited open enrollment period, it is very important that you understand and take advantage of it.

Do you Qualify?:

In some situations, you have the right to buy a Medicare Supplement policy outside of your open enrollment period.  These rights are called “Medigap protections.”  They are also called guaranteed issue rights because the law says that insurance companies must sell you a Medicare Supplement policy.

In these situations, an insurance company must comply with the following requirements;

  • Cannot deny you Medigap coverage or place conditions on a policy.
  • Must cover you for all pre-existing conditions, and
  • Cannot charge you more for a policy because of past or present health conditions.

If you are under age 65 you can only purchase a policy from a company who sells Medigap policies to persons under 65 and on Medicare.  You can buy the policy at the best premium price available, with no review of your medical records even if you have pre-existing conditions.

Enroll Today:

Simply call or email me, and I will mail, fax or email the appropriate application to you.  Once completed you can fax or email the application back to me, and I’ll do the rest to make sure your application is processed quickly and accurately.

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 john@johnconner.com or simply complete the brief information request form below.

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

Questions & Comments:

California Medicare Supplement Plans and Rates

All California Medicare Supplement policies must be the same, regardless of the company you purchase it from.  Medicare Supplement plans have nationally standardized benefits, which means if you compare a Plan F from company “A” you will see the benefits are identical to the Plan F from company “B.” 

California Medicare Supplement companies such as: Blue Shield of California, Anthem Blue Cross, Aetna, Health Net, Mutual of Omaha and UnitedHealthcare all have the same benefits regardless of who you enroll in.

Monthly Rates:  Aetna   Anthem   Blue Shield   Health Net   Mutual of Omaha   UnitedHealthcare

DISCOUNTS – Blue Shield ($25), Anthem ($20), Health Net ($20)  All three of these companies offer a “New to Medicare” monthly discount for the first 12 months.  Call or email for details.  Don’t miss out on discounts.

Most Companies offer a 30 Day Free Look period. You can cancel your policy within 30 days and receive all of your money back!

Quick Links …

Compare rates, there is no reason to be locked into a higher monthly premium simply because of the company you are with.  Click the link below to view rates.

California Birthday Rule If you currently have a Medicare Supplement plan and live in California, you are one of the fortunate ones!  You are able to utilize the “Birthday-Rule” which is only available in the great State of California.

How it works is, each year on the month of your birthday, you are able to enroll in any other Medicare Supplement company in California to a plan with the same benefits or less.  In other words if you have a Plan F with company “A” and you notice company “B’s” plan F is offered for a smaller premium, you can simply enroll during the month of your birthday regardless of your current or past health status.  You are not required to answer any health or prescription questions.  The Birthday Rule is a “Guaranteed-Issue” situation.

If you are satisfied with your current Medicare Supplement policy’s cost and coverage and the customer service you receive, you don’t need to do anything.  If you are thinking about switching your policy to a different company you have a few options:

  1. If you are still within your first 6-month Medicare Supplement “Open Enrollment Period.”
  2. If you live in California which allows you to switch each year on the month of your birthday – regardless of current health status (Birthday Rule – more info).
  3. Or if your current company is going to leave the marketplace, in other words they are closing their doors.
  4. Or, you can simply apply to another Medicare Supplement company whenever you like.  Simply complete the application and fax it to me, and I’ll do the rest.

If you decide to switch, don’t cancel your current Medicare Supplement policy until you have decided to keep the second policy.  You have 30 days to decide if you want to keep the new Medicare Supplement policy, this is called your “free look period.”

Enrolling is EasyCall or email, and I will send you the appropriate company application.  When finished simply fax or email back to me.  I will make sure the process is quick and accurate.

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 john@johnconner.com or simply complete the brief information request form below.

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

Questions & Comments:

California Medicare Supplement Plan G

A California Medicare Supplement Plans F, G and N are  the three most popular medicare supplement plans across the U.S.

Soon Plan G will be the most comprehensive Medicare Supplement available because Plan F will be exiting on January 1, 2020.  Existing Plan F members will be able to continue, but new enrollments will not be available after 2019.

Plan G is just like F except G does not pay for the Medicare Part B deductible which is now $183.  After the calendar year deductible is satisfied, the plan then pays 100% for the balance of the year.

You can view current California Medicare Supplement rates and benefit information from companies like; Anthem Blue Cross, UnitedHealth Care, Blue Shield, Health Net, Aetna, Mutual of Omaha and others.

Medicare Options …

Currently the most popular California Medicare Supplement plan is Plan F.  This plan has everything you need to close the gaps in Medicare Part A and Part B coverage. With a Plan “F,” when you do to the doctor or hospital you don’t pay anything. Not a copay or deductible. You are only responsible for your monthly premium.

Another popular plan is “N.”  With Plan N you are responsible for an outpatient deductible of $183 then a $20 copay whenever you have a doctor visit.  Hospital is covered at 100%.

Plus, it’s easy to enroll in, and is more affordable than you may think.  Take a look and see for yourself.

Remember with a California Medicare Supplement plan you will also need to enroll in a Medicare Part D Rx plan.  Medicare Supplement plans do not include prescription plans.  The best place to compare Part D plans is right here, simply email your prescriptions to me  the Medicare website: www.Medicare.gov.  Or you can call me and I can help you compare plans.

California Birthday Rule …

The Birthday Rule is unique to California and allows a resident of California who has a Medicare Supplement plan to switch Medicare Supplement companies on the month of your birthday, without having to answer any “health” or “prescription” questions.  In other words, it is a guaranteed move to a different company who offers the same plan or one with less benefits.

Our California Medicare Supplemental plans give you the kind of health coverage you deserve at this time of your life.  The kind that can protect your finances by filling in the gaps of your Medicare coverage.  And the kind that you can make your life easier with:

  • A choice of Medigap plans at affordable prices.
  • The freedom to choose any doctor and hospital who accepts Medicare.
  • No required medical exam to enroll.
  • Guaranteed renewal.

You can choose to be billed directly, or you can make payments by automatic bank draft.

Coverage that stays with you.
No matter where you travel, your Anthem Blue Cross Medicare Supplemental coverage will follow.  Your plan membership card will be accepted by hospitals, doctors and specialists across the state and throughout the great USA.  So wherever you go, so will your peace of mind.

Money Back Guarantee
Every plan comes with a 30-day “free look” period.  This means that you have 30 days after purchase to decide whether or not to keep your Blue Cross plan.  What could be simpler?

Am I Eligible for a Plan?
You are eligible for a Medicare Supplement plan if you are enrolled in Medicare Parts A and B.  You must also be a resident in the state where the coverage is offered.

Enrolling in an Anthem plan is quick and easy. I can take most of the information over the phone.  Call today to get started.

Dental HMO – $21 per month

  • Implants are covered with the Blue Shield Dental HMO.
  • Unlimited annual benefit maximum
  • All Ages.
  • Rates:  Click Here 

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 john@johnconner.com or simply complete the brief information request form below.

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

Questions & Comments:

Anthem Blue Cross Medicare Supplement

Medicare Supplement Plans California

2020 Medicare Supplement plans in California.  The most popular plans are currently Plans F, G and N.

THE MOST POPULAR PLANS:  F, G, N

  • Plan F = 100% hospital coverage – 100% outpatient.
  • Plan G = 100% hospital coverage – $185 outpatient deductible then 100%.
  • Plan N = 100% hospital – $185 outpatient deductible then $20 Dr visit copays.

CALIFORNIA 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 $1,364 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, $1,364 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 $13 to $40 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; Aetna, Anthem, Blue Shield, Health Net and UnitedHealthcare, and compare plans.  Then pick a solid company with low monthly premiums.

Medicare Advantage Plans … Also compare the $0 premium Advantage plans – Anthem MediBlue, Blue Shield 65 Plus and many others which include the Medicare Part D Rx plan  Click here

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

Question?

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