Can I get a Medigap Plan F or has it Gone Away?
As of January 1, 2020 the highly prized Plan F will be a thing of the past. It's being phased out as a cost-saving measure by the government. However, if you get a Plan F in California now you can keep it. There are many opinions about how eliminating Plan F will save money. The general consensus is that seniors will go to the doctor less often if they have to pay out-of-pocket.
Medicare Supplements Work with Medicare Part D
A supplement does not pay for your prescriptions. By law, supplemental insurance must cover Original Medicare covers, and nothing more. Foreign travel coverage is the only exception. To get help with your prescriptions, you'll need to join a California Medicare Part D plan.
California Medicare Supplements are Regulated by Law
By law, all Medicare Supplements sold in the state of California are standardized. This means that every policy must be clearly identified as Medicare Supplement Insurance and it must offer the exact coverage allowed. This allows all plans to compete on price (premium).
Each lettered plan offers the basic coverage of Plan A. Plans B through N offer different levels of gap coverage, including some with annual out-of-pocket limits. This gives people significant range of choice based on the amount of insurance needed.
Carriers are free to market the the policies they want, with these simple limitations:
- Carriers are not required to offer every plan
- Plan A is mandatory
- Plan C or F must be offered
To learn more, visit the California Department of Insurance website at http://www.insurance.ca.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of California dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in California is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
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