From now until February 28, 2023, we have one A+ rated Medicare Supplement company in CA allowing enrollments without medical underwriting. You don’t have to wait until your birthday to make this change. Policies can be effective up to March 1, 2022.
Upgrades Are Allowed & Encouraged!
If you’re in an expensive Medicare supplement – or one with few benefits (like High Deductible Plan F, K, or L), you can upgrade with no medical underwriting. This means you can increase your coverage by moving up to a traditional Plan F or Plan G. You will need to prove you have an existing Supplement, but that’s all.
Couples receive a 7% discount and your rates are locked for one year. A free gym membership is included as well! You don’t want to miss this!
Medigap Plans To Choose From:
There are ten Medicare insurance plans to choose from: A, B, C, D, F, G, K, L, M, and N. Plan A covers only basic benefits while Plan F fills in all the gaps not covered by Original Medicare.
In California, plans F, G, and N are popular as they fill in the most common gaps. Some companies also offer High Deductible Plans G and F. Before High Deductible Plan benefits begin, you would need to reach the yearly deductible. High Deductible Medicare Supplements are popular for their very low premiums.
Plans K and L are two other less expensive options that require the insured to cover more in out-of-pocket expenses – much like Medicare Advantage plans. Unlike Advantage coverage, Plans K and L do not have network restrictions, however.
And there have been some recent changes. If you’re new to Medicare in 2020 and beyond, Plans F, C, and HD F are unavailable for purchase. The next most comprehensive options are Plans G, N, D, and HD Plan G. We can help you sort this out.