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Choosing the coverage and the doctors that are right for you and your specific needs takes education, review, and an understanding of what can seem like a complex process.

Matts California Health Insurance Services prides itself on simplifying the complexity and putting you on a path to a more secure senior life. Please contact us today so we may review all your needs and requirements, Let us put you in control of your Medicare Supplement Plans.



Antem Blue Cross Senior Medicare Advantage, and
Aetna-Medicare Advantage Plans are also available email me Matt@MattsInsurance4CA.com or call
(866) 861-0477 to get an enrollment kit.

Medicare part DCall for Medicare Part D Perscription Drug plan prices and info. I have enrollment kits in stock.

 

Medicare Supplement / Medigap Insurance in California

Medicare. As much as we would like it to be a complete health care program, it’s not. Medicare parts A and B where not designed to cover all of your expenses when you receive health care. Most likely you’re already aware that the out-of-pocket expenses not covered by Medicare can add up to thousands of dollars. It’s more money than many people can afford. And it often leads to lost savings, unexpected changes in lifestyle and severe financial hardship.

Let Matt Lockard and MattsInsurance4CA.com help you with your California Medicare Supplement Insurance Needs

Medicare Supplement (Medigap) insurance is sold by private insurance companies to cover some of the "gaps" that are not covered by Medicare. MattsInurance4CA.com allows you to compare rates from many of California’s leading Medicare Supplement insurance companies in just a couple of easy steps. Because Matt Lockard is an independent insurance agent in California, it doesn't matter which health insurance company you choose. I’m not affiliated with any one insurance company, I work with them all and the information you receive from me is non-biased. My goal is to help you choose the provider that best meets your needs--both in terms of price and the level of coverage.

 

CONSUMERS: MEDICARE PLANS A-J

Standard Medicare Supplement Benefits
Medicare Supplement insurance can be sold in only ten standardized plans. The chart below shows the benefits included in each plan.

Basic Benefits are included in all plans. They include:                      

Medicare Part A coinsurance plus coverage for 365 additional days during your lifetime after Medicare benefits end;                

Medicare Part B coinsurance;                     

The first three pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.

A

B

C

D

E

F*

G

H

I

J*

Basic Benefits

Basic Benefits

Basic Benefits

Basic Benefits

Basic Benefits

Basic Benefits

Basic Benefits

Basic Benefits

Basic Benefits

Basic Benefits

 

 

Skilled Nursing Coinsurance

Skilled Nursing Coinsurance

Skilled Nursing Coinsurance

Skilled Nursing Coinsurance

Skilled Nursing Coinsurance

Skilled Nursing Coinsurance

Skilled Nursing Coinsurance

Skilled Nursing Coinsurance

 

Part A Deductible

Part A Deductible

Part A Deductible

Part A Deductible

Part A Deductible

Part A Deductible

Part A Deductible

Part A Deductible

Part A Deductible

 

 

Part B Deductible

 

 

Part B Deductible

 

 

 

Part B Deductible

 

 

 

 

 

Part B Excess (100%)

Part B Excess (80%)

 

Part B Excess (100%)

Part B Excess (100%)

 

 

Foreign Travel Emergency

Foreign Travel Emergency

Foreign Travel Emergency

Foreign Travel Emergency

Foreign Travel Emergency

Foreign Travel Emergency

Foreign Travel Emergency

Foreign Travel Emergency

 

 

 

At-Home Recovery

 

 

At-Home Recovery

 

At-Home Recovery

At-Home Recovery

 

 

 

 

 

 

 

Basic Drug Benefit ($1,250 Limit)

Basic Drug Benefit ($1,250 Limit)

Extended Drug Benefit ($3,000 Limit)

 

 

 

 

Preventive Care

 

 

 

 

Preventive Care

* Plan F and Plan J also have high deductible options, some companies may offer these options.

Standard Medicare Supplement Benefits


The basic benefits (also known as the "core benefits" or Plan A) are the minimum coverage you may buy. Plan A contains only the three core benefits listed below. Every other plan contains these three benefits as the "core" and then adds one or more additional benefits. Although Plan A is the least expensive policy, it may not be a good choice for low-income individuals who may not be able to afford the Medicare Part A hospital deductible when they are hospitalized.

  1. Hospitalization: Medicare Part A pays only a portion of the daily costs for hospitalizations.  You must pay the coinsurance amounts for those days.  This Medicare Supplement benefit pays the Part A coinsurance amount after the 60th day and an additional cost of 365 lifetime days.
  2. Blood: Medicare pays for all blood that is medically necessary except for the first three pints in each calendar year. This Medicare Supplement benefit pays for the first three pints of blood not paid for by Medicare, or equivalent quantities of packed red blood cells, as defined under federal regulations.
  3. Medical Expenses: Generally Medicare Part B pays for 80% of a predetermined amount (called the "Medicare approved" amount) for each procedure, supply, or service billed by your doctor or other provider that is not a hospital. This Medicare Supplement benefit pays the coinsurance generally (20% of the "Medicare approved" amount) under Medicare Part B.

There are eight additional benefits that are combined with the basic benefits in various ways to make up the nine remaining plans called Plan B through Plan J.

  1. The Part A Deductible: The Medicare Part A deductible is the expense for which you are obligated to pay when you are admitted to a hospital as an inpatient. Medicare pays eligible benefits above that amount. (The Medicare Part A deductible amount may change yearly, so check the current handbook). This Medicare Supplement benefit reimburses you the deductible amount, no matter what the amount may be. This benefit is included in Plans B through J.
  2. Skilled Nursing Coinsurance: Medicare Part A pays for the first 20 days of care in a skilled nursing facility following hospitalization, but requires you to pay a coinsurance beginning on the 21st day through the 100th day. This Medicare Supplement benefit pays the coinsurance amount beginning on the 21st day. This benefit is included in Plans C through J.
  3. Part B Deductible: The Medicare Part B deductible is the amount you must pay each year for medical expenses (such as doctor fees) before Medicare begins paying. (The Part B deductible amount may change per year). This Medicare Supplement benefit reimburses you the deductible amount. This benefit is included in Plan C, Plan F, and Plan J.
  4. Part B Excess Charges: Medicare Part B pays 80% of a predetermined amount (called the "Medicare approved" amount) for each procedure performed by your doctor or other medical care provider. If your doctor accepts Medicare "assignment", the provider may only bill you for the difference between the amount paid by Medicare and the amount approved by Medicare.

If your doctors do not accept Medicare assignment, they may bill you for the difference between the amount paid by Medicare and the amount they can legally charge you (called the "limiting charge"). If you have a Medicare Supplement Policy with the following:
Part B Excess Charges (100%) benefit, the policy will pay the full amount billed by your doctors or other providers who do not take Medicare assignment subject to the limiting charge. This benefit is included in Plan F, Plan I, and Plan J.
The Part B Excess Charge (80%) benefit, the policy will pay 80% of the amount you are billed by your doctors or other providers. This benefit is only in Plan G. Theoretically, you should save money on premium costs if you select the 80% benefit rather than the 100% benefit. Remember that this coinsurance amount is paid by the Medical Expenses part of the Basic Benefits that are part of every Medicare Supplement insurance policy. All policies sold today must pay 50% coinsurance for outpatient mental health treatment services.

  1. Foreign Travel Emergency: The original Medicare plan does not pay for medical care outside of the United States, but some Medicare managed care plans, private fee-for-service plans, and some Medicare Supplement plans do. This Medicare Supplement benefit will pay 80% of your expenses for most emergency medical care in a foreign country during the first 60 days of a trip abroad after you pay a $250 deductible. There is a lifetime maximum benefit, so check your current handbook for the dollar amount. This benefit is in Plan C through Plan J. Check your insurance coverage before you travel.
  2. At-Home Recovery: Under the home health care benefit, Medicare pays for intermittent visits by a nurse or other skilled care provider in your home during recovery from an acute illness. Medicare does not pay for custodial care in your home such as homemaker services, (i.e. help with bathing, dressing, laundry, or shopping). This Medicare Supplement benefit pays per home visit. Check your handbook for current benefits for medically necessary custodial care while you are recovering from an illness, injury, or surgery. An insurance company may limit the number of visits to equal the number of Medicare home health care visits. This benefit is in Plan D, Plan G, Plan I, and Plan J.
  3. Basic Prescription Drug Benefit: Until January 1, 2006 this benefit has an annual limit of $1,250.  The extended prescription drug benefit has an annual limit of $3,000.  Medicare does not generally pay for outpatient prescription drugs.  Each of these Medicare Supplement benefits pays 50% of the cost for outpatient prescription drugs to a maximum of $1,250 or $3,000 per year depending on the plan you purchase.  The basic drug benefit is in Plan H and Plan I.  The extended drug benefit is in Plan J only. Starting January 1, 2006 plans H, I, and J may be sold without the prescription drug benefit.
  4. Preventive Care: Medicare pays for some testing for diagnostic purposes. This Medicare Supplement benefit pays up to $120 per year for certain tests done for screening purposes, routine physical exams, patient education, and other medically appropriate tests or preventive measures not covered by Medicare. This benefit is included in Plan E and Plan J.
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