Medicare Supplement & Medicare Advantage Plans:
The Annual Open Enrollment (AEP) starts October 15 and ends December 7. All changes made during this time will have a January 1 start date. Please call me with questions!!
2020 MEDICARE SUPPLEMENT plans and rates. No doctor networks to fuss with. As long as the doctor or hospital accepts Medicare, you are able to see them. It’s as simple as that. Freedom to see any doctor or hospital in the U.S. who accepts Medicare. Over 95% of all providers nationwide.
MEDICARE SUPPLEMENT RATES:
- Some of the company rate charts are not the easiest to navigate, so please feel free to call or email for the different rates in your area.
The Most Popular Plans: Innovative F, F, G, N
- Plan F = 100% hospital coverage – 100% outpatient. No deductibles, copays or percentages..
- Plan G = 100% hospital coverage – $198 annual outpatient deductible then 100% coverage.
- Plan N = 100% hospital – $198 outpatient deductible then $20 copay per outpatient visit.
- OPEN ENROLLMENT – The different Medicare plans have quite a few moving parts along with several open-enrollment dates and enrollment options you should be aware of. Medicare Supplement plans have different open enrollment dates than Medicare Advantage and Part D Rx plans.
Plan F and the New Innovative Plan F, provide 100% coverage, which means when you see a doctor or hospital, you do not pay a co-pay or deductible. Plan G is similar to Plan F, although it has an outpatient deductible of $198. Plan N, you are responsible for the $198 deductible along with a $20 copay for outpatient visits.
Medicare Advantage (HMO & PPO)
2020 MEDICARE ADVANTAGE PLANS (Anthem – Blue Shield – Aetna – Health Net – UnitedHealthcare) are typically HMO style plans, with a few PPO plans depending on your County of residence. Most HMO’s have a $0 monthly premium which includes the Medicare Part D Rx plan at no additional cost to you. The Annual Open-Enrollment period starts every year on October 15 and ends December 7.
Is Your Medicare Starting Soon?
For most people turning 65, their Medicare Part A (Hospital) starts automatically. Medicare Part B (outpatient), on the other hand may not start automatically when turning 65. If you are not going to start you S.S. income at age 65, or if you are on an employer health insurance plan, you will most likely need to enroll in Part B.
To confirm your “B” coverage starts when you want it to, go to the Social Security Admin website, https://www.ssa.gov/benefits/medicare/, create a profile and enroll in Part B. Or, call S.S.A at; 800-772-1213, or, walk into a local Social Security office and tell them you want to start your Medicare Part B.
Once you have confirmation your Medicare A and B have a start date, enrolling in any of the Medicare plans (Medicare Supplement, Medicare Advantage or Part D Rx plan) is simple and quick. Call me anytime, I’ll be happy to walk you through the process.
- 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)
- Does a Medicare Supplement cover International Travel
Please use this site as a resource for plan and rate information. Click any of the buttons below to view the company Medicare Supplement rates in your area. Or better yet call me and I’ll give you the rates for the different companies and plans right over the phone.
Medicare Part D Rx plans … You will also need to enroll in a separate Medicare part D Rx plan, which will help you pay for your prescription costs. A good place to start your search is right here. Simply email a list of your current medications along with the dosage and frequency. I’ll run the comparison for you, the results will be emailed back to you which will be the top 3 most cost effective plans for your prescription list.
Tobacco rates do not apply during open enrollment or guaranteed issue situations in the following states: California Colorado Illinois Louisiana Missouri New Hampshire New York* North Carolina Tennessee Vermont* Wisconsin * Tobacco rates never apply in New York, Vermont.
Common Open Enrollments:
- INITIAL ENROLLMENT PERIOD: You have a 7 month window of opportunity, starting 3 months prior to your Medicare Part B coverage month start date, the month of the start date and ending 3 months after the month of your birthday or Part B start date. During this time you can choose any Medicare Supplement plan or company providing coverage in your resident state.
- SPECIAL ENROLLMENT FOR PART B: Part B enrollment may be delayed if you are over age 65 and have group health insurance as a result of your current employment or your spouse’s current employee health plan. Or, you are disabled and continue your employers group health insurance plan. In any of these instances, you will qualify for a special 63 day enrollment period beginning the month after the termination of your group health insurance. If you do not enroll by the end of this grace period, you will have to answer the health questions on the application and be approved medically.
- BIRTHDAY RULE … California has what is called the Medicare Supplement Birthday rule. Members are able to switch companies each year on your birthday month regardless of health status.
- $46.66 per month
- $1,250 annual benefit
- Two free cleanings per year – 100% coverage
- Cavities / Fillings – 80% coverage
- Root Canals, Bridges, Crowns, Dentures, Extractions – 50% coverage.
- Brochure / Application
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.
Thanks for stopping by. If you have any questions feel free to call or email anytime, you can also use the “contact form” below … Thank you.