Medicare Supplement insurance

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John M. Caris 0B50729

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How To Sign Up For Medicare

First, sign up for Parts A and B. 

• Sign up online at the Social Security website: http://www.ssa.gov/medicareonly/ 
• The Social Security Administration can be reached at 800-772-1213 from 7 a.m. to 7 p.m. Monday through Friday.

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.

• Find information on Part D plans at www.Medicare.gov 
• Medicare can be reached by calling 800-MEDICARE (800-633-4227).

Government Publications

• Medicare & You Handbook (2021)
• Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (2021)

Government Websites

• Social Security - Sign Up For Medicare Parts A and B
• Medicare - compares medical and Part D Prescription Drug Plans
• CMS (Centers for Medicare & Medicaid Services): What is Medigap?
• Health Insurance Counseling & Advocacy Program (HICAP) - free Medicare advice

Company Applications 

Anthem Blue Cross
Weblink - To Online Application

How Medicare Works

With only Original Medicare Part A and Part B, you may be 
subject to:

• Part A Deductible of $1,408 (2020),
• Part B Deductible of $198 (2020),
• 20% Copay of the Medicare-approved procedure cost with no maximum,
• +15% Excess Charges by physicians who do not accept Medicare routinely, but have not completely opted out of Medicare.​

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Part C: Only Medicare Advantage plans are called "Part C".

Medicare Supplement policies are designed to cover some 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 Medicare.gov for information about comparing drug plans.

How To Decide Which Medicare Supplement Plan Is Best For You

Most people purchase Plan G 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.

Another option is High Deductible Plan G.  Not all carriers offer this Plan, but in exchange for a reduced premium (perhaps as much as $1,000 per year savings compared to a regular Plan G), you accept an annual deductible of $2,340 (2020).  This may be a good choice for someone who is both in good health and has the cash on hand to cover the deductible.