California Medicare Supplements
Get a Quote »We offer California Medicare Supplement insurance quotes direct and online. Our independent agency represents several affordable insurance providers offering Medigap coverage.
Our companies include: AARP, Aetna, American Republic, Anthem Blue Cross Blue Shield, Family Life, Gerber Life, Loyal American, Mutual of Omaha, Sentinel Life, Standard Life & Accident, Stonebridge, United Healthcare and many others.
If you are age 65 and enrolling in Medicare A and B, been accepted into Medicare Disability, or shopping for better rates during your yearly anniversary (birthday month), then we can assist you. AARP, Gerber Life, Sentinel Life, and Mutual of Omaha are all offering very affordable rates in CA.
California Supplemental Medigap Insurance Coverage
There are ten Medicare insurance plans to choose from: A, B, C, D, F, G, K, L, M and N. (View Chart)
Plan A offers only basic benefits not covered by Medicare while Plan F offers the most benefits. In California, plans C, F, and G are very popular as they fill in the most common gaps.
Some companies also offer a high deductible Plan F. In order for benefits to begin, the insured would need to reach a $2070 deductible each year. High Deductible Plan F can be a good choice as the monthly premiums are very affordable.
Plans K and L are two other less expensive options that require the insured to cover more in out of pocket expenses should claims arise – much like a Medicare Advantage plan. Plans K and L do not have network restrictions however.
Plans M and N are new as of June 2010 and are also affordable options in the Medicare supplement marketplace. They require more cost sharing than traditional coverages like F and G, but have lower monthly premiums for the insured. Of the two, Plan N is more comprehensive and more popular with most seniors.
California Medicare Insurance Open Enrollment
If you are newly enrolled or soon to be enrolled in Medicare Parts A and B at age 65, you are eligible to purchase a Medigap policy and cannot be denied coverage due to your health history or preexisting conditions. This is known as the open enrollment period and includes the three months before and after your 65th birthday.
Medical underwriting is not required and no health related questions will need to be answered. Additionally, if you are involuntarily losing group health insurance after age 65, then you are eligible to purchase a supplemental policy without medical underwriting. There is no waiting period for preexisting conditions to be covered when purchasing coverage during open enrollment.
CA Medicare Disability And Under Age 65 Plans
Those under age 65 and newly accepted into Medicare Disability (Part B) also have a six month open enrollment window to purchase supplemental coverage. Plan availability will differ from company to company, but all carriers must offer Plans A, B, C, and F.
If coverage is not purchased during the six month window, then underwriting will be necessary in most cases and you can be denied coverage. Those under age 65 can also invoke the anniversary birthday rule to purchase like or lesser coverage at a reduced rate each year without proving insurability.
CA Yearly Anniversary Medicare Birthday Rule
Once you have purchased supplemental coverage in California, you will have the opportunity every year during your birthday month to switch to a like or lesser plan without medical underwriting. Thus, if you are enrolled in Plan F, then you can move to a new Plan F (or lesser plan) with a different insurance company. You can switch from AARP to Mutual of Omaha or any other insurance company with no health questions asked.
You can lower your monthly premiums by taking advantage of the annual birthday month rule every few years if your rates have risen significantly. This open enrollment window typically ends one month after your birthday and is sometimes referred to as the “anniversary rule.”
It is wise to work with an independent Medicare insurance agent who can help you compare and shop for less expensive plans each year with several providers. New insurance carriers enter the marketplace each year and often offer lower rates than the competition. You may want to change back to the old carrier during your open enrollment as well – we can help.
Our Direct Medicare Supplement Insurance Agency
Our independent agency insures all eligible residents of California. Prices are controlled by law, so you will not find better supplement rates for the same coverage online or in person anywhere else.
Compare rates from several highly rated carriers like Mutual of Omaha, AARP United Healthcare, Family Life, Anthem and others.