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Compare The Most Popular Medicare Supplemental Insurance in Kentfield, CA

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Medicare Supplement Plans in Kentfield, California are designed to cover what Medicare doesn’t pay in full. Call us at 877-410-1979 for a free, immediate price comparison!

If you're already on Medicare or if you are about to become eligible for Medicare you feel a little overwhelmed as it pertains to picking plans that are going to fit your own personal needs. There are still planning to be out of pocket expenses that you may not want to need to pay for, as it pertains to the Original Medicare which includes Parts A and B. This is where the supplemental plans come into play. The ones we are going to be going over here are plans F, G, and N.

Private insurance companies offer each of the supplement plans all around the country and the prices of those plans will vary from one insurer to another. However, the benefits that you reap from every plan will be standardized according to every letter of the plans which are offered. What this means that say for instance you choose Plan F, the coverage that the plan offers will be the same no matter what insurance company you choose to deal with.

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Kentfield, CA  Medicare Supplement Plan F

Plan F tends to be a popular pick for a lot of people because it offers much more coverage than other supplement plans. It's important to notice there are two types that are different. There is another one that has the same benefits as the standard but comes with a much higher deductible and the standard Plan F. This implies if you were to choose the higher deductible ahead of the coverage would even begin which you would need to first pay a certain amount of money. Call 877-410-1979 for a free quote on Plan F today!

Benefits which might be included with all the Plan F include all of the following:

  • Part A Medicare coinsurance along with hospital costs along with an additional year of coverage after your Medicare benefits have been used up.
  • Covers the coinsurance or copayment of hospice care that Part A doesn’t cover.
  • It covers the Part A deductible.
  • Pays for the deductible for Part B.
  • If there are any Medicare Part B extra charges this plan will cover these charges.
  • If you require blood, this plan will cover the first three pints of blood needed.
  • If you are in a skilled nursing facility it will cover the coinsurance amounts that might be required.
  • Will cover any emergency coverage that might be needed during foreign traveling.

If you decide which you want to pick the higher deductible plan you'll be required to pay for all the out of pocket costs until you've reached a certain amount, the original Medicare doesn't cover. In 2022, that amount was $2,490 before this plan kicked in. But, by choosing the higher deductible plan you could end up paying a much lower monthly amount than with the standard Medigap Plan F.

Normally it will be the most expensive plan, however, if you shop around since Plan F does offer the largest amount of benefits you can find a plan that is less expensive.

Services Medicare Pays Plan F Pays You Pay
Part A
Hospitalization
First 60 Days All But $1556 $1556 (Part A Deductible) $0
61st Through 90th Day All But $389 a Day $389 a Day $0
91st Day and After (60 Reserve Days) All But $778 a Day $778 a Day $0
After Reserve (Additional 365 Days) $0 100% of Eligible Expenses $0
Beyond the Additional 365 Days $0 $0 All Costs
Skilled Nursing Facility Care
First 20 Days All Approved Amounts $0 $0
21st Through 100th Day All But $194.50 a Day Up to $194.50 a Day $0
101st Day and After $0 $0 All Costs
Blood
First Three Pints $0 100% $0
Additional Amounts 100% $0 $0
Hospice Care
You must meet Medicare's requirements, including a doctor's certification of terminal illness All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care Medicare copayment / coinsurance $0
Part B
Medical Expenses
1st $233 of Approved Amounts $0 $233(Part B Deductible) $0
Remainder of Approved Amounts Generally 80% Generally 20% $0
Part B Excess Charge $0 100% $0
Blood
First Three Pints $0 100% $0
Next $233 of Approved Amounts $0 $233(Part B Deductible) $0
Remainder of Approved Amounts Generally 80% Generally 20% $0
Clinical Laboratory Services
Tests for Diagnostic Services 100% $0 $0
Parts A & B
Home Health Care
Medically necessary skilled care services and medical supplies 100% $0 $0
Durable Medical Equipment
1st $233 of Medicare approved amounts $0 $233(Part B deductible) $0
Remainder of medicare approved amounts 80% 20% $0
Other Benefits
Foreign Travel
First $250 each calendar year $0 $0 $250
Remainder of Charges $0 80% to a lifetime maximum of $50,000 20% until the lifetime maximum, then all costs.

Kentfield Medicare Supplement Insurance Plan G

This particular Medigap plan is one that offers several of the same benefits as that of Plan F. There is one exception, however, it doesn't cover the deductible for Medicare Plan B. What this means is that should you go with Plan G you are going to need to pay the yearly standard Part B deductible. That deductible in 2022 was $233. Therefore, if you don't mind paying for this deductible amount, Plan G could be a good option to consider when it comes with good benefits to supplemental plans. For a free quote on Plan G call us directly at 877-410-1979 today!

You need to know they're the only two Medigap plans that do this and that both of these plans do cover all excess charges that can accrue with Part B Medicare. These excess costs will be the actual difference between exactly what the approved Medicare amount is and just what a doctor actually charges for his or her medical service. These professionals are considered to be non-participating providers and they are allowed to charge just as much as 15% more than what Medicare allows for a certain covered medical service. This extra amount is exactly what the patient would be expected to pay from their own pocket.

Services Medicare Pays Plan G Pays You Pay
Part A
Hospitalization
First 60 Days All But $1556 $1556 (Part A Deductible) $0
61st Through 90th Day All But $389 a Day $389 a Day $0
91st Day and After (60 Reserve Days) All But $778 a Day $778 a Day $0
After Reserve (Additional 365 Days) $0 100% of Eligible Expenses $0
Beyond the Additional 365 Days $0 $0 All Costs
Skilled Nursing Facility Care
First 20 Days All Approved Amounts $0 $0
21st Through 100th Day All But $194.50 a Day Up to $194.50 a Day $0
101st Day and After $0 $0 All Costs
Blood
First Three Pints $0 100% $0
Additional Amounts 100% $0 $0
Hospice Care
You must meet Medicare's requirements, including a doctor's certification of terminal illness All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care Medicare copayment / coinsurance $0
Part B
Medical Expenses
1st $233 of Approved Amounts $0 $0 $233(Part B Deductible)
Remainder of Approved Amounts Generally 80% Generally 20% $0
Part B Excess Charge $0 100% $0
Blood
First Three Pints $0 100% $0
Next $233 of Approved Amounts $0 $0 $233(Part B Deductible)
Remainder of Approved Amounts Generally 80% Generally 20% $0
Clinical Laboratory Services
Tests for Diagnostic Services 100% $0 $0
Parts A & B
Home Health Care
Medically necessary skilled care services and medical supplies 100% $0 $0
Durable Medical Equipment
1st $233 of Medicare approved amounts $0 $0 $233(Part B deductible)
Remainder of medicare approved amounts 80% 20% $0
Other Benefits
Foreign Travel
First $250 each calendar year $0 $0 $250
Remainder of Charges $0 80% to a lifetime maximum of $50,000 20% until the lifetime maximum, then all costs.
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Medicare Supplement Insurance Plan N

This really is a supplemental plan that offers a lot of the same benefits as the Medigap Plan F but there are a few exceptions which you ought to be aware of when looking at this particular plan which will be listed below

  • Plan N does not cover the deductible that comes with Part B Medicare.
  • It doesn’t cover the extra charges that might come with Part B.

So, what this implies is that you would be responsible for paying for these differences. In regards to Plan N, it's another difference, despite the fact that it does pay most of the time to 100% of the coinsurance of Medicare Part B, there can be exceptions. Those differences are you can be required to pay a copay of up to $50 for some ER visits which don't end up with admission to the hospital and that you need to pay just as much as $20 for some office calls. Give us a call at 877-410-1979 for a free quote on Plan N today!

Services Medicare Pays Plan N Pays You Pay
Part A
Hospitalization
First 60 Days All But $1556 $1556 (Part A Deductible) $0
61st Through 90th Day All But $389 a Day $389 a Day $0
91st Day and After (60 Reserve Days) All But $778 a Day $778 a Day $0
After Reserve (Additional 365 Days) $0 100% of Eligible Expenses $0
Beyond the Additional 365 Days $0 $0 All Costs
Skilled Nursing Facility Care
First 20 Days All Approved Amounts $0 $0
21st Through 100th Day All But $194.50 a Day Up to $194.50 a Day $0
101st Day and After $0 $0 All Costs
Blood
First Three Pints $0 100% $0
Additional Amounts 100% $0 $0
Hospice Care
You must meet Medicare's requirements, including a doctor's certification of terminal illness All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care Medicare copayment / coinsurance $0
Part B
Medical Expenses
1st $233 of Approved Amounts $0 $0 $233(Part B Deductible)
Remainder of Approved Amounts Generally 80% Balance, Other than Copays Up to $20/$50 Copays, Emergency visit copay waived if admitted
Part B Excess Charge $0 $0 All Costs
Blood
First Three Pints $0 100% $0
Next $233 of Approved Amounts $0 $0 $233(Part B Deductible)
Remainder of Approved Amounts Generally 80% Generally 20% $0
Clinical Laboratory Services
Tests for Diagnostic Services 100% $0 $0
Parts A & B
Home Health Care
Medically necessary skilled care services and medical supplies 100% $0 $0
Durable Medical Equipment
1st $233 of Medicare approved amounts $0 $0 $233(Part B deductible)
Remainder of medicare approved amounts 80% 20% 0%
Other Benefits
Foreign Travel
First $250 each calendar year $0 $0 $250
Remainder of Charges $0 80% to a lifetime maximum of $50,000 20% until the lifetime maximum, then all costs.

What Insurance Carriers Are Best?

There are a lot of insurance companies to choose from in Kentfield, California. Below is a complete list of all companies and plans offered.

CompanyPlans Offered
AARP – UnitedHealthcare Insurance CompanyA, B, C, F, G, K, L, N
Anthem Bluecross A, F, G, N
AetnaA, B, F, F-High, G, N
Bluecross Of California A, F, G, N
Everence Association IncA, F, G , N
Continental Life Insurance Company of Brentwood, Tennessee (Aetna)A, B, F, High-F G , N
CignaA, F, High-F, G, N
Garden State Life Insurance CompanyA, F, G, M , N
GLOBE LIFE AND ACCIDENT INSURANCE COMPANYA, B, C, G, High-G, N
HEALTH NET LIFE INSURANCE COMPANYA, D, F, High-F, G , N
Humana Insurance CompanyA, B, C, F, F-High, G, G-High, K, L, N
INDEPENDENCE AMERICAN INSURANCE COMPANYA, F, G , N
Mutual Of OmahaA, F, F-High, G, High-G, N
National Guardian Life Insurance CompanyA, F, G , N
National Health Ins Co (Allstate)A , F, High-F G , N
OXFORD LIFE INSURANCE COMPANYA , F, G , N
PHYSICIANS LIFE INSURANCE COMPANYA , F, G , N
Sentinel Security Life Insurance CompanyA, B, D, F, G , N
State Farm Mutual Automobile Insurance CompanyA, C, D, F, G , N
TRANSAMERICA LIFE INSURANCE COMPANYA, B, F, G, L , N
UNITED AMERICAN INSURANCE COMPANYA, B, C, D, F, High-F, G, High-G, K, L , N
USAA LIFE INSURANCE COMPANYA, F, G , N

What Is The Right Time to Enroll In A Plan?

If you are considering signing up for some of these Medigap plans you should know the best time to enroll in some of them would be during what is called the a Medicare Supplement Open Enrollment Period. This starts when you are older or 65 years old and you have Part B Medicare. This implies that during this six month time period you can not be turned down for this insurance for any health reason and you can't be charged a premium that is higher because of any pre-existing conditions that you might be suffering from.
 

Give us a call at 877-410-1979  for the best rates on Medicare supplement plans in Kentfield, CA!

94904, 94957, 94974

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