Medicare Supplement plans in Palo Alto (Santa Clara County) are readily available with companies like; Blue Shield, Anthem, Health Net, UnitedHealth care, Aetna and Mutual of Omaha.
The Most Popular Plans: F, G, N
- Plan F = 100% hospital coverage – 100% outpatient. No deductibles, copays or percentages.
- Plan G = 100% hospital coverage – $226 annual outpatient deductible then 100% coverage.
- Plan N = 100% hospital – $226 outpatient deductible then $20 copay per outpatient visit.
Medicare Supplement Rates in and around Palo Alto:
DOCTOR CHOICE – Can you see any doctor or hospital? Yes, any doctor, hospital or specialist who accepts Medicare, that’s nearly 95% of all medical professionals nationwide. There are no networks, no city, county or state borders, if the doctor is Medicare approved, your Medicare and Medicare Supplement benefits will pay for the approved services. As long as the service is medically necessary of course.
Stanford Hospital, Palo Alto Medical Foundation (PAMF), El Camino, Sequoia, Mills and many other quality and respected medical hospitals along the peninsula.
Medicare Part D Rx plans … they are a separate policy, Medicare Supplement policies do not include prescription drug services. Most members will enroll in a Part D plan which best fits their needs and medication list.
Most counties will have 30 Part D Rx plans to choose from. Each plan treats medications differently and will differ greatly how they help pay for your medications. In addition, each year the Part D companies make adjustments to their plans which affect how well or poorly they pay for different medications. The coverage adjustments can be minor, and sometimes significant. It is wise to check the Rx plans every year during open-enrollment, from October 15 through December 7.
- How Medicare works with different insurance plans
- Medicare Part D Rx Page
- Participating & Non-Participating doctors
- Medicare Part B Excess Charges
- Medicare Preventive Care services
- Open-Enrollment Rules (Medicare Supplement)
Remember, regardless of the Medicare Supplement plan you choose:
- Freedom to choose your own doctor or hospital.
- No required medical exam.
- Guaranteed renewable.
Important Information about a Medicare Supplement Policy:
- You need to have Medicare Part A and Part B.
- You will need to pay a monthly premium with a Medicare Supplement (Medigap) policy.
- Your policy cannot be cancelled, even because of health reasons, as long as you pay your premium on time.
- Each policy covers one person, so you and your spouse will have to have a policy each.
No Cost Help … there is no charge for my services. The insurance companies provide a fee for me to help with coverage options, enrollment and service.