Integrity Now Insurance Brokers is your local Medicare Insurance Agent in Long Beach California. It is important to select a Medicare Agent / Broker who can help you navigate all of your Medicare options. By using a local Insurance Agent who is familiar with not only the National Medicare Carriers but also the Local Medicare Medicare Insurance Carriers we can help guide you to which plans will best meet your needs.
When considering your Medicare Plan options you might be looking at a Medicare Advantage Plan or you might also want to know about a Medicare Supplement plan also known as a Medigap plan. Many people in Long Beach, CA will select the Medicare Advantage plan as the benefits that are included look very attractive. They also have friends and family members who have gone this direction. While others have friends and family members who say that a Medigap plan is the only way to go as it provides greater access to Doctors, Specialist and Hospitals.
No matter which Direction you are leaning towards or have questions about we are here to help.
When it comes to Medicare Insurance Carriers in Long Beach California we have access to a wide variety of Medicare plan options. Below we will breakdown these Medicare Insurance Carriers by plan types. As your Medicare Insurance Agent in Long Beach California we make it easy for you as we will shop all available plans on your behalf to ensure you are making the right choice.
As you will see there are 15 Medicare Advantage Plan Carriers and 21 Medicare Supplement Plan Carriers within the 90808 zip code for plan year 2021. This list of Medicare Insurance Carriers increases and decreases from year to year.
There is a lot to consider when obtaining a Medicare Insurance Policy from any of these carriers. This is why it is so important to work with an Independent Medicare Insurance Agent who can help you make the right decision.
In short the answer is no. You are able to stay on Original Medicare and not sign up for either a Medicare Advantage Plan or a Medicare Supplement Plan.
Most individuals decide to either sign up for a Medicare Advantage Plan or a Medicare Supplement. This is because they offer additional coverage benefits.
If you would like to have broad access to Doctors, Specialist, and Hospitals across the USA then staying on Original Medicare and purchasing a Medigap plan could be your best option. The Medigap plan fills in the gaps left behind within Original Medicare. It’s important to understand all of your Medicare Cost on the front end.
However, if you decide you want to sign up for a Medicare Advantage plan (as many do not have a monthly premium but may include copays, deductibles, and max out of pocket expenses), by doing so you will be lose your rights under Original Medicare and will be required to comply with the Advantage Plan network of Doctors and Hospitals. Most of these plans are HMO style plans.
Under a Medicare Advantage plan, even if Original Medicare would have covered a Doctor or Hospital. If you go outside of your Medicare Advantage Plan network you may not be covered by your Medicare Advantage Plan and will be responsible for the entire bill.
It is important that you evaluate all plan options before you make your decision. This is because switching from a Medicare Advantage Plan into a Medigap plan after your guaranteed issue period end may not be possible.
We are here to help you navigate all of your Medicare plan options. If you have not obtained your Part A and Part B Medicare coverage we recommend for you to start here: Getting Started with Medicare. This link will help you sign up for Medicare and guide you down the right path. Some people are still employed past the age of 65 and this link will help answer those questions as well.
Lastly, you will not want to forget to sign up for Part D which covers your prescription drug coverage. Some Medicare Advantage Plans will cover you for this however, if you sign up for a Medigap plan you will need a standalone Part D plan.
Feel free to give us a call or complete our online form and one of our Medicare Insurance Agent in Long Beach California will give you a call. We are here to answer all of your Medicare questions.