Compare the Blue Shield of California Medicare Supplement Plan G rates in Sacramento with the other available carriers, you will like what you see.
Plan G’s are federally standardized, meaning, all Plan G’s across the country have the same benefits. Some companies have added some vision and or hearing benefits, but in regards to medical coverage, all Plan G’s are the same.
Blue Shield also has a “New to Medicare” discount, which reduces your premium $25 per month for the first twelve month on the policy. If you are new to Medicare, you will enjoy this great discount.
When your medicare part B starts, you can enroll into a medicare supplement policy anytime in the first six months with no medical review. Your enrollment is guaranteed. If you enroll into a medicare Part D Rx plan you must enroll in the first three months from your Part B start date. And that also goes for a medicare advantage plan, you have three months as well. If you miss the medicare advantage or part D rx initial enrollment period, they you will need to wait until the next open enrollment period (Oct 15 thru Dec 7) to enroll and the start date will be January 1.
Blue Shield is only available in California, although their Medicare Supplement plans work in all 50 states. If you are travelling to another state, feel free to use your plan like you do in California. Coverage and availability do not change when you are in another state. This is one of the reasons why Medicare Supplement policies are so popular and easy to use.
California has the ‘Birthday Rule.’ This allows any California resident who has an active Medicare Supplement policy from any company, to switch companies during your birthday every year. You are able to enroll in a new company from your birthday and moving forward 60 days. This is considered your birthday rule open enrollment period, and your enrollment is guaranteed regardless of health status. So be sure to compare the different company rates, because, you are not receiving anything more by paying a higher premium. Medical benefits are identical from company to company.
Medicare Supplement Rates, be sure to compare, age and zip code or county is all you need:
Aetna … Anthem … Blue Shield … Health Net … Mutual of Omaha
Standard MediGap Plans C, D, F, G, M, and N provide foreign travel emergency health coverage when you travel outside the U.S.
- Covers foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn’t otherwise cover the care.
- Pays 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year.
Foreign travel emergency coverage with MediGap policies has a lifetime limit of $50,000.
Initial Enrollment Period – This is when you are new to medicare. You have 6 months to enroll in a Medicare Supplement plan, with guaranteed acceptance and without medical underwriting. You also have 3 months to enroll in a Drug or Advantage plan from the date your Medicare Part B starts. If you go beyond the three months, most likely you will have to wait for the next open enrollment period (October 15 thru December 7), for your January 1 start date.