Medicare Plan F is Going Away in 2020
In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in California. However, if you get a Plan F policy in California now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.
Join a California Medicare Part D Plan for Rx Coverage
In years past supplemental plans were allowed to offer prescription coverage. Not anymore. Today, supplements must be in lock-step with Original Medicare. If Medicare doesn't cover it, then supplemental insurance can't cover the gap. That means the only way to get help with prescriptions is through a California Medicare Part D plan.
California has Standardized Medicare Supplements
California insurance carriers are required to follow both state and federal laws regulating Medicare Supplements. Plans are standardized and must provide the exact coverage mandated. The only variance is the premium and how the premium is calculated.
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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