Woodland Medicare Supplement Plans and rates
I am a local independent insurance broker near Woodland and I represent most of your best options for Woodland Medicare Supplement options. Please contact me and I can help you find the plan that fits your needs. My services do not cost you anything and I can help you over the phone, through a webinar or in person. The Medicare Supplement plans that you have available in Woodland are many, and I can help you look at your options and 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 Part A and Medicare Part B do 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 medical network issues to worry about, even though Yolo County does have any Medicare Advantage Plans available in 2017, with a Medigap Plan you will not have to worry about those limitations. If you like to travel away from the Yolo and Sacramento County area, these could also work well 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 coverages. 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 a large 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 Original Medicare.
Medicare Supplement plans in Woodland and the US 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 Medicare Supplement Companies. Insurance Companies selling the same Medigap plan in Yolo County 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 Agent who will be able to tell you which plans are a good value. The Insurance Companies can change their rates on plans as their costs go up, so it pays to have an agent you can work with to get you the lowest rate. Given the fact that a Plan F Medicare Supplement from one company has exactly the coverage another company with Plan F has, it pays to compare rates. Some companies do have some extra benefits with their Medicare Supplement plans in Woodland, but they are typically just bells and whistles. Some of the bells and whistles are nice. They may include:
- 24 hour nurse hotlines
- certain discounts for various items
- or even a basic gym membership, at no additional cost
Here is an example of why to get help. An Independent Insurance Agent can help you find the plan that is right for you. If a plan costs $10.00 more each month for the same plan, but you can stop paying for your $30.00 per month gym membership, maybe that is the right plan for you. If you don't go to the gym, and the plan is $10.00 more than another companies plan, it might be good to consider changing plans. Talk to a Woodland, CA Medicare Supplement Broker to find the plan that's right for you.
Medicare Supplement Plan F
Medicare Supplement Plan F seems to be the most popular Medigap Plan available in Woodland and Yolo County today. There are some good reasons for this. The Plan F covers all your Medicare deductibles and copays 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 will likely want 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 Woodland, and good service for you and your doctor, please give me a call.
Medicare Supplement Plan N
Medicare Supplement Plan N is becoming another very popular choice with people new to Medicare Plans in Woodland and Yolo County. The Medicare 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 costs to consider with the Medicare Plan N are as follows:
- $20 copayment for some doctor office visits
- $50 copayment 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 your options.
Medicare Supplement Plans 95695. Medicare Supplement Plans 95776.