You are here to get a Medigap quote, so let’s briefly review Medicare. This
discussion is not meant to be comprehensive, just descriptive.
Medicare coverage consists of the
following parts: Part A-In-hospital, skilled nursing facility, hospice, and
home health care. Part B-Doctor services, hospital outpatient, preventive
services and certain injectable drugs and vaccines. Parts A and B are referred
to as “Original Medicare”. Part C-Medicare Advantage Part D-Prescription drug
coverage. For most Medicare beneficiaries, Part A is no cost, Part B is at
additional premium and Part D premium depends on the company and plan benefit
level selected. Medicare has deductibles, co-payments, co-insurance and gaps in
coverage. Therefore, a Medicare supplement (Medigap) plan is needed to help
control your out-of-pockets costs and obtain additional benefits not included
Use the links presented
here to find the best plan to meet your needs.
Read the brochure developed by the Centers for
Medicare and Medicaid Services (“CMS”), “Choosing a Medigap Policy: A Guide To
Health Insurance For People With Medicare”, available at www.medicare.gov.
A Medicare supplement plan pays after Medicare
pays on claims it determines are covered and eligible benefits. Medicare has
exclusions, including; dental, cosmetic, custodial care, acupuncture, hearing
benefits, routine eye care, most health care outside the U.S., and most
outpatient prescription drugs. Some Medigap plans offer discounts for vision
and hearing services, fitness club fees, health and wellness services,
worldwide travel benefits, plus other optional features at an additional
premium. Not all Medigap plans are offered by all insurance companies, with the
exception of Plan A. Alphabet plan benefits are the same among the companies
offering them. Plan F benefits, for instance, do not change with the issuer,
but contain the same coverage across the spectrum of issuing companies. The
differences between a company’s plans are: 1. Premiums, 2. Additional benefits
and discounts, 3. Claims and administrative services. You must prove your insurability
if you want to apply for a Medigap alphabet plan, unless you have a Special
Enrollment Period (SEP). For instance, an insurance company leaves Medicare,
drops the plan, you move out of the plan’s service area or, when you are in
your Initial Enrollment Period (IEP). The effective date of your Medigap plan
is determined by the issuing insurance company. I am not responsible for when
If you are new to Medicare, select the
most comprehensive benefit plan available within your budget in order to
preserve your insurability. You are guaranteed issue coverage during the
Initial Enrollment Period. The IEP is a one-time opportunity to get the Medigap
plan of your choice regardless of your health conditions. Employees and
covered spouses turning age 65 covered under a group health plan should consult
their benefits plan administrator to determine their options and if they need
to enroll in Part B or Part D. A “Letter of Creditable Coverage” from their
employer’s group plan administrator will be needed if enrollment is postponed.
Once enrolled in a Medigap plan, you can switch to a plan of lesser or equal
value using the “birthday rule.” That is, apply within 30 days beginning with
your birthday. The guaranteed issue birthday rule is another reason to obtain
an alphabet plan with the richest benefits within your means. Visit www.medicare.gov
for additional guaranteed issue rights.
Medigap plans I represent are private contracts issued on an individual basis by insurance companies to supplement coverage provided by Medicare Parts A and B. As such, they are regulated
by the states in which they are issued. Medicare is administered by “CMS” (Centers for Medicare and Medicaid Services), a Federal agency, and subject to government regulations, as well as political
and economic forces in the healthcare services delivery industry. Keep this regulatory relationship in mind when we discuss Medicare
Advantage plans. The plans presented are from: Anthem Blue Cross, and Blue Shield of California.
The Medicare supplement products offered here are from insurance companies we contract with to provide a trusted source of supplemental coverage. However, to get a complete list of Medicare Advantage, Part D and other plans, visit www.medicare.gov or call 1-800-MEDICARE.
We and the licensed agents that may call you are not
connected with or endorsed by the U.S. Government or the federal Medicare
program. Medicare has neither reviewed nor endorsed the information contained
on this website. This is not a complete listing of plans available in your
service area. For a complete listing please contact 1-800-MEDICARE or consult
www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days
a week or consult www.medicare.gov
The Website serves as an invitation for you, the customer,
to inquire about further information regarding Medicare Supplement Insurance,
and submission of your contact information constitutes permission for a
representative to contact you with further information, including complete
details on cost and coverage of this insurance.
By using this website, I confirm that I understand and agree
Not connected with or endorsed by the United States
government or the federal Medicare program.
Medicare has neither reviewed nor endorsed this information.
This website and its contents are for informational purposes only.