Medicare Supplements Auburn, CA
I am a local independent insurance broker near Auburn, CA and I represent many companies that provide options that you will want to look at for Medicare insurance. Please contact me and we can look at your situation and help you find the plan that fits your needs. My services do not cost you anything and I can help you over the phone or in person. The Medicare Options that you have available in Auburn are many, and I can help you find the plan that is right for you.
Medicare Supplements, also known as Medigap Plans, help to cover some or all of the costs that Original Medicare does not cover. Having a Medicare Supplement policy will typically provide you with the maximum flexibility in provider choice. With a Medicare Supplement, you can see any provider that accepts Medicare and is accepting patients. There are no Networks or other issues to worry about. If you like to travel away from Auburn and the Gold Country area, these could be perfect for you.
How much of the costs are covered really depends on which Medigap plan that you purchase. There are Medicare Supplement Plans A-N, and all have different coverage's. If you are on Original Medicare, then I believe that it is important to have a Medigap Plan in place. If you do not buy a Medicare Supplement Plan, you are putting yourself at financial risk. If you do not purchase a Medigap policy, you will likely have to pay out-of-pocket for all of the costs of the deductibles and copays of Medicare.
Auburn Medicare Supplement plans are standardized by The Centers for Medicare and Medicaid Services (a.k.a.: CMS), so once you decide on the right plan for you, you can easily compare plans from various Insurance Companies. Insurance Companies selling the same Medigap plan can charge very different premiums. Remember, it pays to compare! You can call every company yourself and find out their rates, or you can find an Independent Insurance Broker who will be able to tell you which companies have the least expensive Auburn Medicare Supplement Plans. The Insurance Companies do change their rates on plans as you age and as their costs go up, so it pays to have an agent you are working with to get you the lowest rate.
Given the fact that a Plan F Medicare Supplement from one company covers exactly what medical costs another companies Plan F will cover, it pays to shop around for the lowest rate. Some companies do have some extra benefits with their Medicare Supplement plans, but they are typically just bells and whistles. Some of the bells and whistles can be beneficial. They may include:
- A 24 hour nurse hotline you can call for advise
- Possible discounts on certain items and services
- Even a basic gym membership, at no additional cost
Auburn Medicare Supplement Plan F
Auburn Medicare Supplement Plan F is often the most purchased Medigap Plan available in Auburn for the past, although there are other Medicare Supplement Plans to consider. There are some good reasons it is so popular. The Plan F pays for all your Medicare deductibles and copays for anything that Original Medicare considers allowable charges. This makes having Medicare very easy and worry free.
If you get the "F Plan" Medicare Supplement, then you will only have the following expenses for most services:
- Your Part B Premium
- Your Medicare Supplement Plan F Premium
- Your Premium for your Part D Rx Plan
- All copays and deductibles for your Part D Rx Plan
You still want to have a Part D Prescription Drug Plan, but most of your medical costs will be paid for with the first 2 above premiums. If you would like to find out which Plan F has the lowest premium in Auburn, please give me a call.
Auburn Medicare Supplement Plan N
Auburn Medicare Supplement Plan N is becoming another very popular choice with people new to Medicare Plans in Auburn. The Auburn Medicare Supplement Plan N costs less then the Plan F, and can be a good alternative to a Medicare Advantage Plan. The Plan N is a like a hybrid plan that covers most services, but there are copays and deductibles that you will need to pay.
The largest expenses to consider with the Auburn Medicare Supplement Plan N are as follows:
- $20 co-payment for out-patient office visits
- $50 co-payment for Emergency Room visits (not if you are admitted as an in-patient)
- Your annual Medicare Part B deductible
- Medicare Part B excess charges (some doctors may charge up to 15% over what Medicare allows)
If you think the Medicare Plan N might be a good fit, please feel free to call and find out more about our options.
Medicare Plans 95603. Medicare Plans 95604. Medicare Plans 95614. Medicare Plans 95631. Medicare Plans 95713. Medicare Plans 95664. I have many clients who live in Auburn, Cool, Forest Hill, Colfax and other surrounding areas that I helped in person. If you live in one of these zip codes and have questions about your Auburn Medicare Supplement or Auburn Medicare Advantage Plan, please call now and let's discuss your situation.