You are here to get a Medicare 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 with Medicare.
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.
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: Aetna, Anthem Blue Cross, Blue Shield of California, and Humana.
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."We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area which are plans offered by four companies. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.” 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.
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.