California Medicare Supplement or Advantage Plan? What is right for me?
As original Medicare plans do not cover all health care costs, most beneficiaries choose to supplement Medicare benefits with a private health plan that works with Medicare – either a California Medicare Supplement Plan, also called ‘Medigap’, or a California Medicare Advantage Plan:
California Medicare Supplement Plans |
California Medicare Advantage Plans |
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Medicare supplement plans help pay the bills Medicare does not, and provide you with protection from the ever-increasing gaps in Medicare. To qualify for a supplemental plan you must have part A and B medical coverage. Acceptance of your application is guaranteed if you are 65 or older and apply within six (6) months of your initial enrollment in Plan B of Medicare. Under certain circumstances pre-existing conditions might be waived. Please ask us for specific details. |
Medicare Advantage Plans (Plan C) are plans that are approved by Medicare run by private companies. Some plans are at no cost and provide extra benefits that are not included by Medicare. The Open Enrollment Period is October 15 through December 7, 2011. During the Open Enrollment you can change how you receive your health coverage and add, change or drop drug coverage. You can make as many changes as you want. The last change that is made is the one that will take effect. Changes made during the Fall Open Enrollment 2011 will take effect January 1 2012. Some plans may also include a prescription drug plan, (Part D). As a result, members not only get quality health care coverage without the expense of high plan premiums or deductibles, they have virtually no paperwork to contend with. And at the same time, they still enjoy more health care benefits and services than original Medicare offers for little or no additional cost. We offer three kinds of Medicare Advantage Plans: HMO, PPO and Private Fee For Service Plans (PFFS). |
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If you prefer to talk to live experienced professional – our staff is here to help. Please call us at 1-800-266-3618 or click here to email us to confidentially discuss your health insurance needs. Calling the number above will direct you to a licensed agent/broker. Disclosure: This is a solicitation of insurance. By providing this information, you agree that an authorized representative or licensed insurance agent/producer may contact you by phone, e-mail, or mail to answer your questions or provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans. |
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