Medicare Supplement Agents in California: Medicare Insurance Agents Help Review Medicare Supplement Plans in California

This is a blog article about what Medicare Supplement Agents in California provide to Medicare Beneficiaries.

I am going to tell you who they are and why they’re important to the healthcare industry today.

What exactly do licensed agents work on?

Can Medicare advisors help lower my Medicare costs? Do they offer Prescription Drug plans with insurance companies that are affordable?

Let’s dive in and see what insurance services our local Medicare Insurance agents offer to our clients.

Table of Contents

Introduction to Medicare Supplement Insurance

What is a Medicare Supplement Insurance Plan?

Medicare Supplement Insurance is insurance that you can purchase to help cover some of the costs not covered by Original Medicare. There are 10 different types of Medicare options available, that will cover hospital deductibles and copays, doctor visits copays, coinsurance, and deductibles, and standalone Medicare Part D prescription drug coverage.

These plans can help you reduce or eliminate your yearly out-of-pocket costs. Our Medicare Agents can help you purchase Medicare Supplement Insurance through a private insurance company which will charge you a monthly premium in exchange for your secondary health insurance coverage.

What are the benefits of Medicare Supplement Insurance Plans in California?

Medicare Supplement plans offer many benefits for Medicare Beneficiaries. These include:

  • Medigap Supplemental plans help pay for health care costs that Medicare Parts A and B don’t cover: Copayments, coinsurance, and deductibles.
  • Medigap policies are administered by private insurance companies: Allowing you to choose the best policy for you.
  • You can choose the right policy for you: There are different types of Medigap policies, so make sure to research which one is best for your needs.
  • No Prior authorizations: Not required to obtain authorization from the insurance company for a medical procedure your doctor states is medically necessary.
  • No Part B step therapy: Medicare Supplement is not associated with Part B Step Therapy, which can save your life, time, and money.
  • Freedom to see any doctor or medical facility: You are free to choose any doctor or medical facility you want without referral requirements.

It is advisable to use an independent licensed Medicare agent when enrolling in a Medigap insurance program. Like a Medicare Supplement plan, an independent agent has the freedom to compare all Medigap options with every insurance company in your state.

If you are 65 or older and entering your Medicare Supplement open enrollment period, contact Integrity Now Insurance Brokers to help you compare Medicare Supplement plans

How does Medicare Supplement Insurance work?

Medicare Supplement insurance plans are designed to cover expenses not covered by Original Medicare, such as copayments, coinsurance, and deductibles. These plans are standardized and labeled by letter (Plan G, Plan N, Plan F), so you can compare plans across different insurers.

Medicare Supplement insurance can be bought as a standalone plan or as part of a package with Medicare Part D prescription drug benefits. As Medicare Part D prescription drug plans are different for each insurance provider it may not be advisable to bundle your Medigap Plan and your Part D benefits with the same insurance company.

One of our insurance agents near you will walk you through your best options. If you are new to Medicare reach out to our insurance agency for help finding the best Medicare Supplement plan.

Who is eligible for Medicare Supplement Insurance?

To be eligible for a Medicare Supplement Insurance policy, Californians must be 65 years of age or older or have a qualified disability if under 65 to apply for Medicare. 

There is no medical underwriting during your initial open enrollment period, so applicants cannot be charged more for their coverage based on medical history or a current medical condition.

Underwriting guidelines may apply at other times and result in higher premiums or denied coverage for applicants. Integrity Now Insurance Brokers will help you qualify for medical underwriting by selecting an insurance company that has easier medical underwriting when possible.

How do I enroll in Medicare Supplement Insurance?

If you are looking for secondary medical insurance to fill in the gaps of Original Medicare, a Medigap plan is your best option related to your Medicare benefits.

During your initial Medigap open enrollment period, you can enroll in a Medicare Supplement insurance plan without having to undergo a medical underwriting process. This means that your coverage cannot be denied based on your health history. 

You can enroll in a plan through an insurance broker that is certified to sell Medigap plans. They will help you find a Medicare Supplement plan that helps cover the needed costs based on your budget.

In order to enroll in a Medicare Supplement insurance plan, you must first sign up for Medicare Part A and Medicare Part B. Once you receive your Medicare red, white, and blue card showing Part A and B effective dates, you will then be able to enroll in a Medigap plan.

Some Medigap plans such as Anthen Blue Cross include SilverSneakers fitness memberships, which can help you stay active and healthy.

Ensure you work with a knowledgeable insurance agency that can help you with Medicare in California. Our insurance agency can provide you with the needed Medicare information and offers plans that can pay for your health conditions today and tomorrow.

Why Do You Need Medicare Supplement Insurance?

Aging comes with its own unique set of challenges, especially when it comes to health care. Medicare was created to help seniors with these issues by providing them with affordable access to quality health care.

However, even with Medicare, there are still gaps in coverage that can leave seniors struggling to pay for their medical expenses.

This is where Medicare Supplement insurance comes in. Medicare Supplement insurance is designed to cover expenses not covered by Original Medicare, such as copayments, coinsurance, and deductibles.

Without a Medigap plan, Medicare Beneficaires are responsible for all costs not covered by Original Medicare. With a Medicare Supplement plan, the secondary insurance policy can cover up to 100% of your medical bills.

What are the Different Types of Medicare Supplement Plans in California?

There are ten different types of Medicare Supplement plans available in most states, including California.

Each plan is identified by a letter, and each plan offers a different set of benefits. The most popular Medicare Supplement plans in California are Plan G and Plan N.

Plan G covers all expenses not covered by Original Medicare except for the Part B deductible, while Plan N pays for most expenses with some copayments and deductibles.

Other popular Medigap plans include Plan F, which covers all expenses not paid for by Medicare, and Plan C, which covers all expenses except for the Part B deductible.

You can enroll in a Medigap plan during your six-month Medigap open enrollment period, which begins the first day of the month you turn 65.

During this time, you can enroll in any Medigap plan without having to go through medical underwriting, which means your coverage cannot be denied based on your health history.

If you do not enroll during your open enrollment period, you may still be able to enroll in a Medigap plan, but you may have to undergo medical underwriting, which could result in higher premiums or a denial of coverage.

Most Popular Medicare Supplement Plan in California

The most popular Medicare Supplement plans in California are Plan F, Plan G, and Plan N. These plans offer varying levels of coverage for when Original Medicare’s benefits end.

Original Medicare only covers 80% of your Medicare-approved inpatient and outpatient costs. In California, the most popular Medicare Supplement plan is Medigap Plan G coverage which covers the policyholder for all costs minus their annual Medicare Part B deductible.

Medigap Plan F is only available for Medicare Beneficiaries who turned age 65 prior to January 1, 2020. The Centers for Medicare and Medicaid now requires all new Medicare Beneficiaries to enroll in Medicare Supplement Plan G or lesser plans such as Medigap Plan N.

There are many Medicare Supplement insurance carriers in California, and each has different premiums and benefits. Our Agents will Find Medicare Supplement plans that are best for you, call one of our client service representatives at 562-735-3553.

How Do I Choose a Plan That Fits My Needs?

There are many factors to consider when choosing a health insurance plan. You’ll need to decide the level of coverage you need and what you’re willing to pay out-of-pocket for medical expenses.

It’s important to choose a plan that meets your current needs, but also offers flexibility in case your needs change in the future.

Our California insurance agents can help you find a personalized plan that fits your needs. We’ll take into account your age, health, lifestyle, and budget to find a plan that provides the right level of coverage for you.

We can also help you compare plans from different insurers so you can make an informed decision about which one is right for you.

Can a Medicare Insurance Broker help me Buy Medicare Part D Prescription Drug Coverage?

Yes, one of our Medicare insurance brokers can help you buy Medicare Part D prescription drug coverage. 

They will help you understand the different plan options and choose a plan that covers your prescription drugs with the minimal out-of-pocket costs possible.

Which Health Insurance Companies offer the Best Medicare Insurance Plan in California?

There are many health insurance companies that offer Medicare plans in California. Some of the most popular and well-known companies include Anthem Blue Cross, Blue Shield of California, Aetna, and UnitedHealthcare.

These companies all offer a variety of different plan options, so it is important to compare them side-by-side.

Working with an independent Medicare insurance agent helps ensure you are buying an affordable plan with the best coverage. They have access to all Medicare products they represent.

Don’t forget to sign up for a Medicare Part D plan when enrolling in a Medigap plan to avoid Part D late enrollment penalties.

Will My Medigap Plan Cover me if I Move or Travel Outside of California?

If you have a Medigap plan, you are covered even if you move or travel outside of California. This means that if you need to go to a cancer facility in another state, your Medigap plan will cover you.

Working with Medicare Supplement Insurance Agents in California

When you’re ready to enroll in a Medicare Supplement plan, you’ll want to work with an experienced agent who can help you understand your options and choose the best plan for your needs.

Integrity Now Insurance Broker offers free services to help Californians compare plans and find the coverage they need.

What Medicare Health Plans Help Cover Cancer?

There are several different types of Medicare health plans, and each one can help cover the costs of cancer treatment in different ways.

For example, Original Medicare (Part A and Part B) can help cover the costs of inpatient and outpatient cancer treatment, as well as some preventive care services.

When adding a Medicare Supplement insurance policy you fortify your cancer insurance coverage by removing the gaps in Original Medicare.

Medicare Advantage plans (Part C) can also provide coverage for cancer treatment.

Deciding how best to cover your cancer treatment needs is no simple task. If you have health insurance with Covered California you understand how expensive health insurance costs are.

With the right Medicare plan, we can wipe away those high healthcare costs. Your insurance needs to change from year to year, but your health insurance coverage shouldn’t.

Find stability with a Medicare Supplement plan in 2022 and beyond.

Should I Consider a Medicare Advantage Plan in California?

While Medicare Advantage plans are not perfect they do offer an additional Medicare option that many Americans have signed up for. Parts of California have some attractive plans to consider depending on your specific location.

Here are a few takeaways on Medicare Plans in California:

  • You can find great Medicare Advantage plans in California: Many Medicare Advantage plans in California have attractive zero premium plans, low copays, and low out-of-pocket limits.
  • You will be required to stay within the network of doctors, outpatient medical facilities, and hospitals: Most Medicare Advantage insurance companies require you to stay within their networks as most are HMO plans.
  • Some of the best Medicare Advantage plans include prescription drug coverage: Most Medicare Advantage plans include prescription drug coverage. When you sign up for a Medicare Advantage plan you must use the single Medicare Part D plan included with your Medicare Advantage plan.
  • You may only be allowed to leave your local area for emergency treatment: If you leave your local area to include traveling to a different city, county, or state you may only be allowed to be treated in the event of an emergency.
  • Medicare Advantage plans can include additional benefits: Many plans include additional benefits such as vision and hearing aids along with many other added benefits that can be included.

California Medicare Supplement Plans: Frequently Asked Questions

What is the California Medigap Birthday Rule?

The California Medigap birthday rule is a regulation that states that Medigap plans sold in California must provide guaranteed enrollment in a new Medicare Supplement plan each year on your birthday. The window for switching from one Medigap insurance company to another starts 30 days before your birthday and ends 30 days after your birthday.

This is a small window of opportunity so work with your insurance agent to plan accordingly.

Best time to Sign up for a Medicare Supplement plan?

The best time to sign up for a Medicare Supplement plan in California is when you first become eligible for Medicare. This is referred to as your initial Medicare Supplement open enrollment period.

Medicare may allow you to qualify for a Special Open Enrollment Period if you had employer coverage and are now enrolling in Medicare Part B after your 65 birthday. To enroll in the Medicare system, you must first enroll in Medicare Part A and enrolled and pay your Medicare Part B premium.

Your special enrollment period starts the month you enroll in Part B of Medicare. If you are losing your employer coverage, now is the perfect time to sign up for a Medicare Supplement plan.

How much do Medicare Supplement insurance policy plans cost?

Medicare Supplement plans are different than Medicare Advantage plans as you pay a monthly premium versus paying as you use the Medicare coverage.

For new Medicare Beneficiaries turning 65 in California, they can expect to pay around $150 per month for their Medigap plan. Some insurance companies offer an introductory rate for the first year which can bring your monthly costs down by around $25.

Medicare Supplement plan premiums increase by a few dollars per year as you age. Your largest increase is after year one if you received a first-year welcome aboard discount from the insurance company.

Are there any drawbacks to having Medicare Supplement Healthcare plans?

One potential drawback of having a Medicare Supplement plan is that it can be viewed as expensive for some Medicare Beneficiaries on a fixed budget. Whereas a Medicare Advantage plan is more of a pay as you use it to plan.

Is there a Website that Lists the Details of a Blue Shield Medigap Plan?

Yes, there is a website that lists the details of Blue Shield plans.

Integrity Now Insurance is Your Medicare Broker California!

Integrity Now Insurance is your go-to Medicare broker in California! We are a family-owned and operated business, and we have been helping Californians with their Medicare needs for over 20 years.

We are committed to providing our clients with the highest level of service and the best possible rates.

We work with all major Medicare carriers, and we can help you find the plan that best suits your needs.

Contact us today to see how we can help you!  562-735-3553