Medicare Supplement insurance
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Major Health Carriers
Call John Caris at 707-935-6294 x103
For Personalized Advice
How To Sign Up For Medicare
First, sign up for Parts A and B.
Second, call John Caris at 707-935-6294 x103 to discuss the Medicare Supplement plan that makes sense for you.
Lastly, sign up for a Part D Prescription Drug Plan.
Anthem Blue Cross
Weblink To Online Application
Blue Shield of California
Weblink to Online Application (agent only)
How Medicare Works
With only Original Medicare Part A and Part B, you may be
Part C: Technically, only Medicare Advantage plans are called "Part C", but Medicare Supplement policies can cover most of the gaps in Original Medicare Parts A and B.
Part D: Rx Prescription Drug Plan. Not included in Original Medicare or in Medicare Supplement plans. Go to www.Medicare.gov for information about comparing drug plans.
How To Decide Which Medicare Supplement Plan Is Best For You
Most people purchase Plan F because it is the most comprehensive plan available. So long as the patient sees a physician that has not opted out of Medicare, there should be little to no additional physician's payments.
Plan G is much like a Plan F, except you will have to pay the Part B Deductible, which is $147 (2015). Compare the difference in premium between a Plan F and Plan G to see if you come out ahead.
Another option is High Deductible Plan F. Not all carriers offer this choice, but in exchange for a reduced premium (perhaps as much as $1,000 per year savings), you accept an annual deductible of $2,180 (2015). This may be a good choice for someone who is both in good health and has the cash available to cover the deductible.
Other plans offer more complex cost and benefit scenarios and are therefore more challenging to evaluate their value for any particular individual.