Los Angeles County Medicare Supplement Plan F G N Rates

2019 Medicare Supplement Rates in Los Angeles County. Plans G, F and N are currently the most popular.  Companies like; Anthem, Aetna, Blue Shield, Health Net and UnitedHealthcare.

Innovative plan F includes Vision and Hearing Coverage from companies: Anthem, Health Net and Blue Shield.

Los Angeles Medicare Supplement Rates, mainly with Anthem do not see the wide swinging ups and downs like in other parts of the Country.  Anthem Blue Cross is the carrier I think will continue to stay competitive in Los Angeles County, along with their Anthem Extras Dental & Vision packages, their Anthem Medicare Advantage HMO plans and Medicare Part D Rx plans all continuing to stay very popular over the coming years.

Quick Links …

Los Angeles …  From Castaic over to Lancaster down to Pomona west towards Long Beach up to Santa Monica and all the way up north again to Castaic, and everything in between, Los Angeles with a County population nearing 10 million residents, 10% of which are age 65 and above, is and will continue to be a health Medicare Supplement market.

Do you live in Los Angeles County?  If you are already 65 and on Medicare, you are most likely in 1 of 3 categories; 1) you have Medicare only and have enrolled in a Medicare Part D Rx plan  2) You are 65 and are enrolled in a Medicare Advantage HMO or PPO plan which includes your Part D Rx plan.  3) you have Medicare along with a Medicare Supplement and a Part D Rx plan.  All three scenarios can work, it just depends on what you are looking for, and what you want your program to pay for.

Los Angeles Rates …  Some of the Medicare Supplement companies in Los Angeles you will want to compare are:  Anthem, Blue Shield, Health Net, Mutual of Omaha, Aetna and UnitedHealthcare.  There are others although these seem to typically have the most competitive rates.

Enroll …  Enrolling is easy!  Remember you can enroll in a Los Angeles Medicare Supplement plan anytime of the year.  There are typically not any “annual open enrollment periods” with Medicare Supplement plans, so mid year if you would like to move to a new company, give me a call and we’ll get you started.

Birthday Rule for current medicare supplement members … on the month of your birthday you can switch to any other Medicare Supplement company and plan with the same benefits or less, guaranteed, no health questions asked.

Please feel free to contact me anytime, I will be happy to answer all of your questions.

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

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Medicare Supplement Guarantee Enrollment Rules

Medicare Supplement policies are either “guarantee enrollment,” or they are “medically underwritten.”

If you are in a guarantee issue situation, you are not required to answer any health related questions, prescription or doctor information on the enrollment form.  The enrollment is guaranteed regardless of your health status.

Medicare Supplement plans can be purchased if you have Medicare Parts A and B in place.  From the moment you enroll in Part B, your Medicare Supplement “guaranteed issue” period, or open enrollment begins and can not be changed, and lasts for 6 months.

Part B is typically enrolled in when you become age 65 and or when eligible for Medicare.  Examples are; when you turn 65 and have Medicare A and B, or if under age 65 and are disabled with Medicare.  Another example is if you are still employed after age 65 and are leaving your employer health insurance plan.  Please review the link above for all of the guaranteed-issue situations for a Medicare Supplement policy.

Initial Enrollment Period … The most popular and most utilized guaranteed-issue situation is called the “Initial Enrollment Period,” which is when a person first enrolls in Medicare Part B coverage.  This enrollment allows for a 6 month open-enrollment period for the new Medicare member to choose any and enroll in a new Medicare Supplement policy of their choice .. Guaranteed.  No pre-existing condition waiting periods and no medical history review.  When the policy starts your coverage starts as well without any waiting periods.

During guarantee-issue situations, insurance companies are not allowed to use medical underwriting as an enrollment acceptance tool.  This is great news for anyone desiring to enroll in a Medicare Supplement plan.  In these cases, insurance companies are required by law to sell you a Medigap policy, despite any pre-existing conditions, and they cannot charge you more because of those conditions.  If you are interested in purchasing a Medigap policy, this is the one of the best time to enroll.

Medicare Advantage … People who join a Medicare Advantage health plan like an HMO or PPO plan, may also have Medicare Supplement guaranteed issue rights if their plan terminates, if they leave the plan service area or if they want to return to a Medigap plan within 12 months of first having a Medicare Advantage plan.

There are additional circumstances that may qualify you for guaranteed-issue rights to a Medicare Supplement plan, and some states have stronger protections, including for people with Medicare who are under 65.

If you are turning 65 or coming off of an employer health insurance plan you can usually apply for an open enrollment guaranteed-issue Medicare Supplement policy as early as 60 days before your current benefits end to avoid a gap in coverage.

Please remember, open enrollment has a six month window to apply for coverage.  If you are coming off of an employer plan, in most cases, you must apply for a plan no later than 63 days after your coverage ends.  When you submit your application, you are typically required to provide evidence of the date your employer coverage ends or ended.

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

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

Questions & Comments:

How to Combat Rising Medicare Supplement Rates

Rising Medicare Supplement rates and costs are always a concern. Depending on your state of residence, there are several ways to combat rising Medicare Supplement rates.

If your current company is raising your Medicare Supplement rates higher than other companies in your area, there is no reason to stay put.  The coverage is identical, the customer services may be a little different, better maybe worse.  Also name recognition doesn’t have as much power as it used to.

So if you can move to a company with the same plan, with lower rates, you’re better off right?  Well, maybe not.  One factor I look at is what is the companies track record with rates over the past 4 or 5 years.  Any company can low-ball an area and gobble up plenty of business, but what happens in the next year.  To rates crank up because of loss ratios?  The answer is probably yes.

Compare Medicare Supplement rates in your area  – Click Here

Getting back to how to combat rising Med Supp rates.  If you live in California or Oregon, you have an option called the “Birthday Rule.”  This allows you to move to any Medicare Supplement Company in your state without answering any health or prescription questions, during the month of your birthday.

The move is guaranteed regardless of health status.  Missouri residents enjoy an “Anniversary Date” rule which allows them to switch companies during their policy’s anniversary month.  All Medicare Supplement members in these three states should take advantage of this fantastic rule.  There is no reason to be stuck in a plan with high rates!!

What do we do about “High Rates?”

  1. Simply apply to a new company.  Although this route depends on your current and past health history.  You will need to answer the health and prescription question on the enrollment form.  Some companies are easier to apply to then others.  Some companies ask very detailed questions regarding your current and past health, while others ask far fewer questions.  So if you have some health issues and are not sure if you qualify to move, please call me and I can lead you to some of the “easier” companies to apply to.
  2. “Trial Right”  If you are stuck and really want out of your carrier, the Trial-Right option may work for you.  If you have never had a “Medicare Advantage” plan before, you can enroll in one during the annual open enrollment period which typically runs from October 15 through December 7, with a January 1 effective date.  If you enroll in a Med Advantage plan you can cancel, or dis-enroll anytime during the first twelve months, this action triggers a move back to Original Medicare and the ability to enroll into a Medicare Supplement plan (guaranteed) along with a stand-alone Medicare Part D Rx plan.  Please call if you have any questions.
  3. The third option is if you have access to an employer health insurance plan, you can enroll in the health plan, and once active, you are able, at anytime to move into a Medicare Supplement and a Medicare Part D Rx plan of your choice.  As long as you have proof of coverage from a qualified health and prescription plan.
  4. If you are under-age 65 and on Medicare, when you turn 65 you will have a new 6 month guaranteed issue “open-enrollment” period which allows you to change to a new company during the 6 months.  You have three months to choose the Medicare Part D Rx plan.

If you have any questions, please reach out to me by phone  (916) 682-1117 or email me at “john@johnconner” or simply complete the brief form below.

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West Sacramento Medicare Supplement

West Sacramento in Yolo County Medicare Supplement and Medicare Advantage plans for medicare members.

All the big names are offering their medicare supplement plans throughout West Sacramento including but not limited to; Anthem, Blue Shield and Health Net.  All offering their “new to medicare discount,” which discounts their premiums anywhere from $15 to $25 for the first 12 months on the plan.

Example Rates:

Plan G

The medicare supplement plan G is quickly becoming one of the most looked into and enrolled in plan.  The rates are hard to beat even with the $183 annual deductible for outpatient services.

If you are new to medicare or currently have a medicare supplement and are comparing other companies.  Be sure to take a close look at Plan G.

Don’t forget about the Birthday Rule … this allows any medicare supplement member living in California the right to change companies on the month of their birthday to a similar plan or one with less benefits. This is a guaranteed enrollment regardless of your current or previous health status.  This is like an annual open enrollment for anyone on a medicare supplement in California.

Medicare Advantage HMO

If you are looking into Medicare Advantage plans, Yolo county has 7 HMO plans available.  The typical players; Health Net, Anthem, United Healthcare and Kaiser.  There may be a couple more, but an HMO is an HMO.  Seems like the only difference anymore is which company is contracted with your doctors and or hospital(s).

Medicare Part D

With the HMO plans, the Medicare Part D Rx coverage is included with the medical portion of the plan.  Make sure your medications are covered well before choosing a Medicare Advantage HMO.  You cannot mix-n-match Part D plans with HMO’s.

If you have a Medicare Supplement, you will need to enroll in a “stand alone” Part D plan.  Most counties including Yolo, have between 20 to 25 Part D plans to choose from.  Run a comparison to see which plan covers your medications the best.  It’s pretty easy to compare on the Medicare.gov website, or contact me and I’ll run the comparison for you, and send you the results.  I don’t sell any of the Part D plans but assist any of my customers who want a little help.

All medicare plans have different enrollment dates and options, call anytime and I’ll help you with your situation.

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

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Mt View Ca Medicare Supplement Plan G F and N Rates

Comparing Medicare Supplement rates and plan in the Mt. View area of the South Bay, is easy and quick.

Companies you will want to compare are; Blue Shield, Health Net, Anthem and Aetna.  Mutual of Omaha is also competitive in some age groups.

Popular plans to consider will be; Plan G, F and N.  All offering a different level of coverage.

Silicon Valley, primarily Santa Clara County will have some of the most competitive Medicare Supplement rates in all of California.

Some of the hospitals near Mt. View are;  El Camino Hospital, Stanford, Good Samaritan, O’Connor Hospital, Santa Clara Valley Medical Center, Valley Health Center and Regional Medical Center to name a few.

Example Rates:

Medicare Supplement for a 65 year old living in Mt. View are:
Plan F -$140, Plan G – $119, Plan N – $95.
As you can see these are very good rates compared to other parts of California.

Switching to a New Company …

If you already have a Medicare Supplement policy in place but would like to switch to a new company and plan, you can do that anytime of the year, although during the month of your birthday is the easiest time to make the change.  This is called the “Birthday Rule” here in California.

You can enroll in a new company and plan with the same benefits or less, and you don’t have to answer any health questions on the new enrollment form. Approval is guaranteed regardless of your health status.  Call me for more information on the Birthday Rule.

Medicare Part D Rx …

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 run the comparisons, and forward you the top 3 plans for your prescription list.  The results will show the best three plans for coverage and cost for your medications.

Enroll ..

You can enroll in a Medicare Supplement policy at anytime of the year.  If you enroll during a Medicare Supplement open enrollment period, the enrollment is guaranteed, regardless of your health status.  And you don’t need to answer any of the health questions on the new application.

Questions?

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

Information Request:

Compare Medicare Supplement Rates in your State

Comparing Medicare Supplement rates and plans in your particular State is not as difficult as you may think.

If you are turning 65, I’m sure your kitchen table is three feet high with brochures, pamphlets and marketing material from every Medicare Supplement company in your area.

A good place to start is with websites which provide easy access to rates and plan information to several Medicare Supplement companies which do business in your state.  This will allow you to review the and shorten your list of companies to compare.

So many Medicare beneficiaries simply want to look at the rates for themselves.  They don’t need to, or are not ready to speak with an agent or company rep regarding different Medicare Supplement Plans in their area, county or state.

If you want to look through all of the company brochures which have been mailed to you, be sure to take your time, and make sure the current rates are provides.

This website allows you to click on a company and state, then look for your county or zip code and there is the monthly premium.  I don’t need your name and email address or phone number just so you can look at the rates.  Use this site as a resource, feel free to look around.

So, when looking for rates in your area, feel free to use this site or any other website which offers easy access to multiple company rates for your review.

Some websites will actually sell your contact info to agents and companies, who will call you several times on the phone trying to sell you a policy.  If you have ever entered your name, email address and phone number onto a website, and received dozens of calls, that is where all the phone calls came from.  The site owner is selling your name to boiler rooms and agencies who call all day long to folks like yourself.

Do a little research for yourself and ask a few questions to narrow down the list of Medicare options for your unique needs.

I’ve had hundreds of Medicare shoppers call me and say; “John, where do I start?”  I’ve had traditional employer health insurance for many years and now that Medicare has started, or about to start, everything seem to have turned upside down.

Step by Step …

  • First you need Medicare A (Hospital) and B (Outpatient), before you can enroll into any Medicare plan or Part D Rx coverage.
  • Second you need to decide if Medicare by itself is your choice, or to enroll into a Medicare Supplement or Medicare Advantage plan.
  • Third, is Medicare Part D Rx coverage.  If you are in a Medicare Supplement, a separate Part D plan will help you pay your prescription costs.  Part D plans never came with Medicare Supplements.  Some Medicare Advantage plans will include the Part D coverage with their medical plan.  (View the Part D info here).
  • Medicare Part B premium.  There is no getting around paying for this one, only if you are receiving financial assistance from your state.  For most people, the 2012 Medicare Part B premium is $99.

Medicare Supplement Rates … Most shoppers will first look at what the premium is, then the financial strength and brand name, then lastly, but still very important, how are they going to treat you.  How is their customer service.  Doctors and hospitals are not too concerned with who the insurance company you are with, because Medicare is considered “Primary coverage” which means all claims go to Medicare first, then Medicare notifies the insurance company of their portion they are responsible for.  Also, when seeing a doctor, make sure they accept Medicare.  Some physicians have “opted-out” of the Medicare system and have become “cash-only” doctors.  This number seems to be around 1% from CMS (Center of Medicare and Medicaid Services) studies.

How to Choose … If you are new to Medicare or are looking to change Medicare Supplement companies, first compare prices in your area.  This will give you a good start as to which companies to consider.  Remember, the coverage is the same regardless of the company offering the plan.  If you are looking at a Plan F, all plan F’s are federally standardized, which means whoever offers a plan F, the coverage is going to be the same across company lines.

Feel free to contact me anytime with questions

John Conner
916-682-1117

Questions & Comments:

Do You Qualify for a Medicare Supplement

Anthem Blue Cross Medicare SupplementIf you are on Medicare and wish to enroll in a Medicare Supplement plan, you need to qualify before the company will approve the application.

What I mean by qualifying is; there is one of two ways to enroll.  1) You will answer the health and prescription questions on the new enrollment form and be able to pass medical underwriting with your current and previous health status .. Or .. you enroll because you qualify for a “guarantee-Issue” enrollment.

Medicare Supplement Rates

The Medicare Supplement approval process does not follow the same rules as the Affordable Care Act” with the under age 65 health insurance plans, where everyone is eligible if they enroll during a qualifying open enrollment period.

  • Medical Underwriting & Health History … a person who enrolls must be approved after answering all health history questions on the enrollment form.  Each company has a list of questions which need to be answered.  Some companies are more lenient than others, and may ask fewer questions or require less medical information.  An applicant will either be accepted or denied the policy.  If accepted there are no exclusions or waiting periods.
  • Guaranteed-Issue Enrollment … this is the easiest because you the company doesn’t require you to answer anything regarding your health status.  Guaranteed-Issue’s are different “open-enrollments available to anyone on Medicare, but you need to be careful because some of the open enrollments can close quite quickly.
  • The most used is the “Initial Enrollment Period” which is a 6 month open enrollment starting when you first enroll in Medicare Part B.  Another popular time is what is called a “Special Enrollment Period” which allows for several situation, but one of the most used is when a person exits an employer health insurance policy and wishes to enroll in a Medicare Supplement policy.  This enrollment period allows for a person to enroll within two months.
  • List of commonGuaranteed-Issue” (G.I) situations.

Under age 65 Medicare members … If you wish to enroll in a Medicare Supplement policy you will need a guaranteed-issue situation.  Companies will decline your application if they see you do not qualify for G.I.

Do not let one of these open-enrollment situations pass you by.  You may not be able to enroll again.

If you know of someone turning 65, new to medicare or leaving a group health plan, or anyone who is looking into a Medicare Supplement policy, please let them know about this information or forward this web page to them.  Have them call me, I’ll be happy to look into their options.

Medicare Part D Rx plans … Part D plans also have “Special Enrollment Periods” throughout the year, though most will enroll and or change plans during the Annual Enrollment Period which is from October 15 through December 7 for a January 1, start date.

Remember, if you are not eligible for a Special Enrollment Period (SEP) you can still apply for a new Medicare Supplement anytime of the year, simply answer the health history questions on the enrollment forms and wait for the company to respond.  If you have or had a certain condition(s) it important to know which company to apply to., since they all ask different questions, and how far back you have been treated.  Call and I can give you a good idea which company may be the easiest route.

Questions? Call or email anytime.

John Conner
916-682-1117
John@JohnConner.com

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Blue Shield Medicare Supplement