Medicare Supplement insurance plans in California may offer added protection such as covering some of Medicare’s coverage gaps, like deductibles, copayments, and coinsurance.
Benefits are standardized and labeled by letter for Medicare Supplement plans.
However, private insurers set the premiums, which vary among plans and insurance companies. Even the same Medicare Supplement plan, like Plan G, can cost more or less depending on which company you buy it from.
Medicare Supplement plans can work alongside Medicare Part A and Part B and a stand-alone Medicare Part D plan.
One of the most popular plans, Plan F , includes coverage for both your Medicare Part A & B deductible, copayments, coinsurance, foreign travel emergency coverage , skilled nursing care, and any excess charges. There’s also a high deductible version that allows you to keep the same benefits at a much lower cost.
Plan G is almost as well-liked as Plan F. On many occasions, we’ve found that Plan G can save beneficiaries more money annually than Plan F. Make sure to compare the costs of these two plans before you enroll.
Plan N is another plan considered one of the best supplement options. Plan N covers the same benefits as Plan F, minus your Part B deductible. There’s a small copay for some office visits and emergency room visits.
What is the California Birthday Rule?
Medigap in California has a unique birthday rule. The birthday rule is excellent for residents because it gives you a yearly chance to enroll in a Medigap plan without having to answer health questions.
This rule gives you an extra 91 days to enroll in a plan. They are allowing you to change your policy 30 days before your birthday and up to 60 days after your birthday.
Find a plan that works in your area today!