Medicare Supplement Plan options in Folsom, CA
Folsom residents I am your local independent insurance broker near Folsom specializing in Medicare. I represent many options for Medicare insurance coverage. Since Medicare Supplement Plans in Folsom are standardized, there is no reason to pay more than you need too. Please call me and we can help you find the options that will closest fit your needs. My services do not cost you anything and I can help you over the phone or in person. There are plenty of Medicare Options available in Folsom, and I can explain how Medicare works and help you find the plan that is right for you.
Folsom Medicare Supplement Plans help to cover some or all of the costs that Original Medicare do not cover. Having a Folsom Medicare Supplement policy will typically provide you with the maximum flexibility in provider choice. With a Folsom Medicare Supplement Plan, you can go to any provider that accepts Medicare and is accepting patients. There are no Networks or other issues to worry about. If you want to go to UC Davis, a Folsom Medicare Supplement Plan is a smart move. UC Davis Medical Center does not contract with any Medicare Health Plans directly currently. UC Davis does take Original Medicare and Folsom Medicare Supplement Plans, and I have many clients that go to their physicians with no issues.
Medical expenses covered by the plan depends on which Folsom Medigap plan that you purchase. There are Medicare Supplement Plans A, B, C, D, F, G, K, L, M and N, and all have different coverages and some have the Part B or a separate deductible that needs to be met. Most Folsom residents choose from Folsom Medicare Supplement Plans F, G and N. These seem to be well priced and are fairly simple to understand.
It is pretty important to consider purchasing an Folsom Medigap Plan when you get Original Medicare Part A and Part B. If you do not buy an Folsom Medicare Supplement Plan, you are putting yourself at financial risk. If you do not purchase a Folsom Medicare Supplement Plan you will have to pay for the deductibles and co-pays of Medicare.
Folsom Medicare Supplement Plans are standardized by CMS, so once you decide on the plan you want, we can help you compare plans from the many Insurance Companies. Insurance Companies selling the same Medigap plan can charge very different premiums. It pays to compare; I find couples every month that are paying much more for exactly the same coverage than they need too! 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 have a broker help you. Some companies do have some extra benefits with their Medicare Supplement plans, and they might be worth while for you. They may include:
- nurse hotlines
- discounts on ancillary products
- Basic gym memberships, at no additional cost
An Independent Insurance Broker can help you find the plan that is right for you. Talk to a Folsom Independent Insurance Broker to find the Folsom Medicare Supplement Plan that works best for you.
Folsom Medicare Supplement Plan F
Medicare Supplement Plan F seems to be the most popular Medigap Plan available in Folsom today. There are some good reasons for this. The Plan F covers all your Medicare deductibles and co-pays for anything that Original Medicare considers allowable charges. This makes having Medicare very easy and predictable.
If you get the Plan F 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
- Any co-pays and deductibles for your Part D Rx Plan
You still need to have a Part D Rx Plan, but most of your medical costs will be paid for with the first 2 premiums. If you would like to find out which Plan F has the lowest premium in Sacramento, and best service for you and your doctor, please give me a call.
Folsom Medicare Supplement Plan G
Folsom Medicare Supplement Plan G is very similar to the Folsom Medicare Supplement Plan F, but it does not pay the Medicare Part B deductible ($183. in 2017). So you will need to pay that amount for outpatient services before the Medicare Supplement will pick up other Medicare Part B expenses.
Folsom Medicare Supplement Plan N
Medicare Supplement Plan N is becoming a very popular choice with Medicare Beneficiaries changing plans and people new to Medicare Supplement Plans in Folsom. The Medicare Plan N costs less than the Plan F or Plan G, and can be a good alternative to a Medicare Advantage Plan. The Plan N is a like a hybrid plan that covers many Medicare expenses, but there are still co-pays and deductibles that you will need to pay.
The costs to consider with the Medicare Plan N are as follows:
- $20 co-payment for out patient office visits
- $50 co-payment for ER visits (unless admitted)
- The annual Medicare Part B deductible ($183. for 2017)
- Medicare Part B excess charges (some doctors charge up to 15% over what Medicare allows)
Is a Folsom Medicare Supplement Plan N a good fit? Call today to discuss your situation and find out more about your options.
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