California health insurance
- Senior Health Plan Center
Your California Senior Medigap Insurance Center
Supplements are Standardized by the Federal
Government (detail below)
-80% of Med Sup shoppers purchase the G Plan
-Your total package is Part A and B (Medicare),
a Med Supp plan, and a Part D RX plan
of the Senior Medigap Insurance
Senior health insurance in California primarily
centers around Medicare for individuals age 65
and older (or disabled under 65). Medicare has
three major parts (Part A for hospital,
for physicians, and Part D for medication).
Medicare supplements or Medigap plans are
purchased through private carriers to supplement
traditional Medicare (Part A and B) at varying
levels. Part D medication plans are also sold on
the private market separately. There is also
Advantage plans (Part C) which essentially
substitute for traditional Medicare.
Key Points for Senior Medigap Health:
- Medigap health plans can be guaranteed
issue regardless of health and the carriers
under certain qualifying events such as
turning age 65 or leaving group health with
a new Part B.
- The plans are standardized by Medicare
so an G Plan is an G Plan regardless of the
- The G Plan has been the best value on
the market and generally offers the most
- Part A is generally paid for while Part
B requires a monthly premium for most
people. Part D also requires a monthly
- Most doctors/hospitals "accept Medicare"
but some will choose to charge higher than
what Medicare allows which is called
"excess". The G Plan covers excess.
- The dominant carriers in the California
Medigap health market are AARP, Anthem Blue
Cross, Blue Shield of California, Mutual of
Omaha, Aetna, and Health Net.
- The rates are pretty comparable but can
differ by age/area so make sure to run your
quote and see them side by side here.
- There may be a fee to delay enrolling in
a Part D medication benefit when eligible.
- The contract is month to month with no
long term requirement.
Popular Related Pages:
Medicare Supplement value Why the G Plan is
hard to beat
What is Medicare Excess?
You can run your
Supplement Quote here
to view rates and plans side by side from the
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