Many people with Medicare experience excess costs that their current Medicare plan does not cover. You can add a plan to your current Medicare Plan. The addition of a Medicare Plan can help fill in these “coverage gaps”. Since each person has his or her own healthcare needs, you can choose a plan that best meets your personal medical and financial needs. 

 

Finding a Plan in your area:

It is important that you choose a Medicare Plan that is provided by Medicare carriers in your area. Many times, the Medicare carriers are members of a network of doctors and hospitals in your area. This network will accept the Medicare Plans offered by the Medicare carriers within the network. If you choose to use a doctor or hospital outside of the network, you may not receive coverage. In an emergency situation, you may be able to receive extended coverage of your Medicare Plan.

 

1. Gerber Life Insurance offers two Plans to your area: Medicare Supplement Plan F and G.

Medicare Supplement Plan G has a monthly premium of $141.18. There is $0 co-pay for office visits, hospital inpatients, and hospital outpatients. Pharmacy is not covered with this plan.

 

Medicare Supplement Plan G offers extended coverage on excess charges of your Medicare Plan. Plan G covers Medicare Part A and Part B co-payments and co-insurance. However, one must not that Part B deductible is not covered with this Plan. A skilled nursing facility is one of the many benefits of selecting this Plan.

 

2. Anthem offers four Medicare Plans: Medicare Supplement Plan A, F, G, and N.

Medicare Supplement Plan N has a monthly premium of $106.95. There is a $20 co-pay for both primary care and specialty office visits. Hospital inpatients and hospital outpatients have $0 co-pay. Pharmacy is not covered with this Plan.

 

Medicare Supplement Plan N is one of the newest Plans offered to Medicare customers. It was designed to offer coverage on your Medicare fees, while keeping the cost of its premium low. This Plan offers complete coverage of your Medicare Part A deductible.

 

3. Blue Shield of California offers two Medicare Plans. HMO Blue Shield 65 Plus Choice and HMO Blue Shield 65 Plus. An HMO is a Health Maintenance Organization. This Plan can be added to your Medicare Advantage Plan (Medicare Part C).

 

HMO Blue Shield 65 Plus has a monthly premium of $0. There is $0 co-pay for primary care office visits. Specialty care office visits have a $20 co-pay. Hospital inpatients have a $50 co-pay per day for the first 10 days of their hospital stay. Hospital outpatients have $0 co-pay. Pharmacy is included with this Plan.

 

If you are interested in getting a Medicare Plan and live in California, please contact the Medicare experts at MyBestMedicare.  They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap, or Medicare Supplement Plan for you.