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Get Medicare Supplement Insurance Sacramento, California.  4 Important Tips.

 

Buying Medicare Supplement coverage can be a daunting task.  Getting this right is a key factor in ensuring long-term financial stability.  So, where to begin?  What exactly are Medicare Supplement plans?  Which plan would be best for me?  How do I qualify?  What are the costs?

When it comes to lifestyle amenities, Sacramento has just about everything.  However, when it comes to finding assistance with health insurance, things are somewhat sparse.  There are not a lot of capable Medicare Supplement experts that are intimately familiar with Medicare Supplement and Medicare Advantage options in the Sacramento region.  The good news is - we are, and are happy to assist.

 

Interesting Sacramento Facts
Sacramento was not the first capital of California.  There were five others, including Monterey, San Jose, Vallejo, Benicia, and San Francisco.  Sacramento was the capital by 1862, but a fire destroyed the capital building and for a brief period the capital was temporarily San Francisco.

4 Important tips when choosing a Medicare Supplement Plan in Sacramento, California.


1.  Do not procrastinate.

When it comes to choosing the right supplement plan (sometimes referred to as Medigap Plans), the sooner you can begin the process the better.  The first thing you should do is confirm that you are actually eligible to purchase a Medicare Supplement Plan.  There is a bit more to being eligible for Medicare supplement coverage than simply turning 65.  For starts, you will need to be enrolled in both Part A, and Part B of Medicare.  If you are not certain if you are enrolled, or you do not know how to get enrolled, Please give us a call.  We can help.
If you are eligible, there is an initial enrollment period of seven months. It begins 3 months before your 65th birthday.  This open enrollment period is the best time to get your Medicare Supplement policy.


Good to know:  Before purchasing a health plan, ask questions.  Call the member services department of the health plan you're considering and ask: Which doctors, hospitals, clinics or pharmacies participate in the plan?  How much does it cost to go out of network?  Am I covered during a travel emergency?  What is the premium and out-of-pocket costs?  What is the most I'll have to pay out of my own pocket to cover expenses?  Exactly what benefits are covered by the plan and what isn't covered?  How are disputes about a bill or service handled?  Then verify the information you were given by comparing it to the plan's benefit details.

2.  Thoroughly review your options.

Medicare supplement plans are designated by letters of the alphabet (A-N).  Each plan option provides a specific level of coverage benefits for medical fees not covered by Medicare.  Give us a call to find out more about specific benefit information for every Medicare supplement plan type.


3.  Know your long-term budget.

There are 10 different Medicare Supplement plans in the market.  These plans are standardized.  This means the plan benefits of any specific plan type are the same - no matter which insurance company you purchase the plan from.  For example: A Medicare supplement G plan purchased from Aetna, will provide the same benefit coverage as an G plan purchased from AARP.)
Price however, is a different story.  The price of plans can vary significantly depending upon where you live, and which insurance company you choose.  Whichever plan you choose for your insurance needs, it must comfortably fit into your budget.


Good to know:  Learn to Negotiate.  Want to reduce your medical bills?  Don't be shy.  One of the best ways to lower your healthcare costs is to negotiate with your doctor prior to receiving treatment.  Be upfront.  Your doctor already knows the projected cost of your treatment, and there's no harm in asking him how much you will be expected to pay.  When you receive your estimate, don't just accept it outright.  Instead, work with your doctor or healthcare provider to see if you can haggle it down.  Often, you can cut a deal with your healthcare provider if you simply ask.  Setting up payment plans or promising to pay in cash may help to lower your costs, but these aren't your only options.  Speak with your healthcare provider to see if they offer any unique savings options for people in your situation.

Mercy General Hospital - health care sharing
Mercy General Hospital
4001 J St.
Sacramento, CA 95819
Telephone: (916) 453-4545
Plus Code: HG9W+WX Sacramento, California




4.  Get in touch with a specialist.

Contacting a Medicare Supplement Plan specialist is the best way to find out about all the Medicare insurance plan options that are available to you.  JustHealthplans.com insurance specialists are happy to assist.  Insurance carriers we work with include:  Blue Cross Blue Shield, Humana, Aetna, Mutual of Omaha, AARP, and more.

 

Medicare Supplement Plan Benefit Comparison

Benefits Medicare Supplement Plans
  A B C D F* G K L M N
                     
Medicare Part A Deductible No 100% 100% 100% 100% 100% 50% 75% 50% 100%
Medicare Part B Deductible No No 100% No 100% No No No No No
Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Medicare Part B coinsurance or copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%**
First three pints of blood 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part A hospice coinsurance or copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Skilled Nursing Facility (SNF) coinsurance No No 100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part B Excess Charges No No No No 100% 100% No No No No
Foreign Travel Emergency (Up to Plan Limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-Pocket Limit*** None None None None None None $5,240 $2,620 None None

*Plan F is also has a high-deductible option.  The F high deductible plan pays for all Medicare-covered expenses after you meet a $2240 annual deductible.
**Office copay exceptions: Some office visits may require a copayment of up to $20.  Emergency room visits may require a copayment of up to $50.
***Plan pays 100% of covered Medicare costs for the remainder of the calendar year once the out-of-Pocket limit is reached.



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