Finding the right plan can be overwhelming when it comes to solving the Medicare
and retirement puzzle. You have limited budget with many concerns. First you need
to decide if the Medicare Advantage plans (MAPD) will meet your need or you need
to select among Medigap Plans (Medicare supplemental plans) that usually require
a higher monthly premium. What about Long Term Care insurance, Nursing Home and
Home Healthcare coverage? Do you have need for such coverage and can you afford
it? Do you need some additional life insurance coverage? Does Medicare cover recipient’s
healthcare cost outside of United States? Do you need to buy Travel health insurance
when you travel to Europe or Canada?
Then you have the job of selecting the right insurance company and a plan that is
easy to understand and use. Making sure that you will meet all the requirements,
guidelines and deadlines will present another challenge.
It is very important to have a trusted advisor on your side. As an Independent agent
representing almost all major insurance companies, we make this process easy for
you. When you call us, we will evaluate your individual need, budget and preferences
and accordingly provide you with the best solutions. We will discuss the pros and
cons of every plan and let you make a decision. You are not alone in this process.
Learn more about us!
Medigap is coverage that is offered by private insurance companies that as benefit
pays for the medical cost that is not covered by Medicare. In order to be eligible
to sign up for a Medicare Supplemental Plan you should already have Part A and Part
B of Medicare. Theses plans are offered based on guaranteed issue when you become
first eligible for Medicare or you turn 65. There are also other criteria that acceptance
is guaranteed based on certain events and dates.
We represent majority of insurance carriers that offer Medicare supplemental plans
including Aetna, Anthem Blue Cross , Blue Shield, Humana, United Healthcare and
many others. Not every company offers all the medigap options but they all offer
Plan F which is the most popular plan.
Due to government regulations all Medigap plans offered through insurance carriers
are uniform. What it means If you sign up for Plan F with Anthem Blue Cross would
provide same coverage and benefit as any other carriers Plan F such as United Healthcare
Of course each carrier charges different premium for their plans. In selecting
a medicare supplement plan premium could be the determining factor , but should
not be the only factor. You have to consider the quality of service you receive
from an insurance carrier. How fast they would handle a claim or how fast their
customer service department attends to your concern is as important. Another consideration
is how committed these carriers are to the medicare solution market and their past
experience. Are they pretty stable? Do they regularly raise premium? Do they get
in and out of the medicare market often? How long they have been offering this products?
Medicare Supplemental Plans are not always issued based on guaranteed acceptance.
Therefore, it is important to choose the right plan and right carrier based on your
need and budget. You are encouraged to contact us so we can assist you in this
We Currently offer Medigap coverage through United Healthcare, Aetna, Anthem Blue
Cross, Blue Shield, Humana, Mutual of Omaha and many other insurance carrier in California.