The Future of California Medicare Supplement Plan F

Starting January of 2020, Medicare Supplement Plan F policies will no longer be available for new sales in all states including California.

Anyone who is on a Medicare Supplement policy by December 2019 or earlier, will be able to keep their plan indefinitely and will be considered “grandfathered.”

Plan F doesn’t have any copays or deductibles, which means if you go to a doctor, lab or hospital, you don’t pay anything out of your pocket.

What is the greatest advantage of a Medicare Supplement policy? Freedom of choice with doctors and hospitals.  A medicare supplement allows you to go to any Medicare provider in the U.S. without a referral. That is 99% of all hospitals and 97% of doctors.

Medicare coupled with a medicare supplement plan provides the most freedom of any type of medical plan nationwide.

On the other hand, medicare advantage plans usually need a referral to see a specialist.  And you will most likely be referred to a doctor within the same medical group as your primary care physician (PCP).

All Medicare Advantage plans have copays, deductibles and percentages which are owed when you go to doctors, labs or medical facilities and hospitals.  The out of pocket maximum amounts are typically $6,700 per year.  This is the most you would come out of your own pocket when paying the copays, percentages and deductibles.

Once medicare supplement plan F is no longer available for new enrollments, the next most comprehensive coverage plan will be “G.”

Plan G looks and feels like plan F except with Plan G the Medicare Part B annual deductible ($185) is not paid for by the plan.  Each calendar year you will be responsible for the part B deductible before your Plan G starts paying.  Medicare Part B is all “outpatient” services.  Hospital which is Medicare Part A is still covered at 100% with no deductibles or copays.

Medicare Supplement Plan C will also be removing the coverage for the Medicare Part B deductible on January 2020.  The changes are designed to NOT have any medicare supplement plans which provide “first dollar” coverage.  Beginning January 2020 there will not be any medicare supplement plan which cover the medicare part B deductible.

Medicare Part D Rx plans … don’f forget about your prescription coverage. If you are enrolled in a medicare supplement policy you will also need to enroll into a Part D plan to help with your prescription costs.  You can either call me and I will send you a comparison of the top three plans for your med list, or you can call 1-800-medicare and they will provide the same comparison.

ANTHEM DENTAL (OVER AGE 65)

When seeing an Anthem in-network dentist you will enjoy a 25% to 40% savings right off the top because of the contracted fees, before the insurance coverage pays the next 50% to 80%.

These savings are also available during waiting periods, when you’ve gone over your yearly limit or when you’ve used up your benefits.  Your dental costs will also be reduced even more with the plan insurance coverage.  Along with over 87,000 contracted dental offices nationwide.

Anthem Extras Dental & Vision (2020)  –  Brochure   –  Application

If you enroll into a Medicare Advantage plan you will have the Part D plan that comes with the HMO.  This Part D plan may work well for you or it may not.  You have no choice because the Part D plan is attached to the HMO of your choice.

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

Questions & Comments:

Anthem Blue Cross Medicare Supplement G

Medicare Supplement (Medigap) plans in California along with covering all medigap members across the U.S.

Be sure to compare plans: G, F, and N.  Each plan provides a different level of coverage, so be sure you understand how the plan works before enrolling.  You will also need to look into a Medicare Part D Rx plan.  Medicare Supplement plans do not include prescription plans.

Advantages of a Medicare Supplement …

You are able to see any licensed physician, specialist and hospital who accept Medicare.  You can see a provider anywhere in the U.S. as long as they accept Medicare.  That means if you live in a certain state, you can see any Medicare-approved doctor / hospital in any state.  Make an appointment and go, it’s that simple.

Comprehensive Coverage. Most Anthem Medicare Supplement plans provide very comprehensive care for the member.  Plan F for example offers 100% coverage for all Medicare-approved services.  You don’t pay for Hospital or outpatient care.  Plan G pays for everything except the Medicare Part B annual deductible which is $183.  Plan C is another popular plan which also pays all Medicare-approved charges except “Medicare part B Excess Charges.” You can read about these charges here.

Guaranteed  …

Be sure to take advantage of every “Open-Enrollment” or Guaranteed-Issue” period available to you.  The obvious ones are when your Medicare Part B starts (6-month window), and when you are coming off of an employer health insurance plan.  There are others, you can view them here 

Remember, you can also enroll/apply to an Anthem Medicare Supplement policy anytime through out the year.  You simply complete the application send it back to me and I’ll do the rest.  If you are answering the “health questions” on the application, you will notice, Anthem doesn’t ask as many health questions compared to other Medicare Supplement companies.  So if you are looking at a moving to another Medicare Supplement company or plan, be sure to include Anthem in your review.

Don’t forget the Medicare Part D Rx plans …

You will also need to enroll in a separate Medicare part D Rx plan, which will help you pay for your prescription costs.  A good place to start you search is right here.  Simply email a list of your current medications along with the dosage and frequency.  I’ll enter the information into the Medicare system, to come up with the top 3 plans for your prescription list.  The results will show the best three plans for coverage and cost for your medications.  I will then email the results to you.  Here is a good place to start 

Enroll Today, it’s Simple … I can email or mail the appropriate state application to you.  Simply fill it out (call me and I’ll walk you through it) fax it back to me, and I’ll do the rest to make sure the process is quick and accurate, and you receive your requested effective date.

Enroll Year-Around … Get started today.

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

Questions & Comments: