You're either new to Medicare or just looking for a better value.
How do you go through all the options and come out ahead? It's probably not by following the countless flyers and even phone calls you keep getting.
In our Picking the Best Plan guide, we go through how about 90% of that is probably in the carrier's interest and not yours.
So...let's take 25+ years of experience in the California medicare market and get to brass tacks.
Here are the topics we'll cover. Step by Step!:
Let's get started! Of course we're happy to help with any questions and there's ZERO cost for our assistance as licensed Medicare agents in California.
We've covered this in detail at our Medicare versus Advantage plan guide but we'll hit the highlights.
Key Points:
So far, so good! This is just the high-level stuff...learn more at our How to Save on Medicare Explained article.
The big question is Medicare Supplement or Advantage plan.
It's a trade-off between control of doctor choice and medical care VERSUS cost. Read all about it at our Advantage versus Supplement Trade-off Guide.
Up above, you can get the Medicare Supplement rates right away!
Zero obligation and Zero cost.
For Advantage Plans and Part D, we believe in giving you direct control and access without all the hassles out there with our free, fast, and secure system here:
Let's first look at the supplement quote above.
We quote the major carriers across California but in the last 5-7 days, it's really been Blue Shield, United Health, or Anthem in terms of cost.
It then becomes a question of cost and future cost! Meaning...which carrier is stable longer term.
That's been Shield and to a lesser extent, Anthem for years now. Even AARP (United) hasn't kept up but don't take our word for it.
Run the quote! (above)
For mobile, click on the little mobile icon below or here to make it appear better on the small screen. Desktops are better with so much info by the way!
So...how do we read the quote?
It's the go-to medicare supplement these days with about 80% of the market (if not more). We go into why the future cost is also important in the Insider's Guide. Learn why the G plan is so popular.
Here's a great comparison:
We explain why in our Insider's Guide to Medicare Supplements with Excess (doctors charging more than what Medicare allows) being the big reason.
Generally, this is 80% of the work done now since the plans are standardized and have the same networks.
Just the Part D for medication left. Let's go there and also for the second part of the equation...Advantage plan quoting.
Unlike most sites out there, we don't try to "capture" your information and "sell" you.
We give immediate access to Advantage or Part D quotes right away here:
A few tips to get the best Advantage or Part D quote:
If you need to shop at open enrollment, just update the meds/doctors (if needed) and everything else is still there! No need to start from scratch every year!
It really is a game-changer and there's no cost to you!
Doctor networks and medications will be different from Advantage plan to Advantage plan so we can't really run this quote well without that info!
The form and system are entirely secure and HIPAA compliant (strictest level of requirement). There's NO obligation!
How do we compare all the options though?
Check out or Insider's Guide to Advantage plans to really understand how to compare these. We also have a sample walk through of comparing Advantage plans.
We'll give away a big secret (we're such gossips)...
This is how the carriers really look at it! Don't get blinded by free vision, vitamin discounts, or pet grooming add-ons.
That's NOT the calculus or true exposure with a Medicare Advantage plan and the carriers/sales people know it.
We start with the Star Rating since it tells us how existing/prior members felt about their day-to-day satisfaction. There's no hiding a bad plan with this guide. Aim for 4 stars or higher!
Aim for an OOP max around $1000 or lower. We explain why this will pencil out best against the costs of Medicare Supplements above in our How to Pick Best Medicare Plan Guide.
With all our doctor and medication info entered (Advantage plans generally cover medication too), we can now accurately price the plans with max's around $1000.
This is the sweet spot for Advantage plans and we'll the focus on the carriers with the best customer reviews for similar options.
Of course, we can help with any questions at help@calhealth.net or let's chat: https://calendly.com/dennis-jnw
Part D for medication is very similar to this same process for people getting Medicare Supplements.
Big guide on how to Save on Part D.
Same quote access here:
Every open enrollment, we'll send an update link where you can add/subtract/change and voila...the options for the new year are all there.
Okay...so we found the plan we want...time to fill in long forms in triplicate (remember those days??). Not!!
This is our favorite part.
When you receive the personalized quote, access to online applications is available for all the plans!
This takes the old process of probably 30 minutes and condenses it down to...around 10! At most.
We're here to help with any question on the supplement, Advantage, or Part D enrollment.
As insurance agents who remember the bad-old days of forms and copies and faxes, we can't tell you how much we geek out over just how fast and easy this process is now!
It's one less reason not to quickly shop the market to get the best value.
Hopefully, you can see from above that we want what's in your best interest but just in case:
Of course, there's no cost for our assistance and we're happy to help with any questions!
Pick a time to chat or email us at help@calhealth.net