San Diego Medicare Supplemental Plans Aren’t The Only Option In The County
My name is Peter Palmiotto, I’m one of the top Medicare insurance brokers in San Diego County. I offer almost every plan in San Diego, from Medicare Supplement Plans, to Medicare Advantage plans – over 30 plans to choose from. Most Medicare eligible clients assume the only option for them is a Med Supp plan, otherwise known as a Medigap insurance plan. This was true about 15 years ago, but in recent years, a different type of plan has been winning over consumers of all income levels, it’s called Medicare Part C.
Medicare Part C is known as a Medicare Advantage Plan and have many options over and above a traditional gap coverage plan. Here are some sample benefits:
- Lower overall costs
- $0 Monthly Premiums (you continue to pay Part B premiums)
- Extra benefits like Free 24 Hour Fitness Memberships, Transportation, Preventative Dental, Routine Chiropractic, and many more…
- Optional “Buy Up” options that include comprehensive dental, vision and more for as little as $5 per month
- Low Max Out Of Pocket expenses to lower your financial exposure
To Learn More About Your Medicare Options In San Diego, Call Me Direct: 888-939-7383
Just look at some of the well known companies offering these plans in San Diego:
You can learn more about the plan details by visiting the official Medicare site at: http://medicare.gov/
2014 Medicare Plan Choices In San Diego County
All of the plans available in San Diego for the 2014 year can be looked at starting October 1st, and you can start submitting your applications on October 15th for a January 1st, 2014 start date.
100% Guaranteed Acceptance
Unlike traditional supplemental plans, the Advantage plans only have 1 pre-existing condition question. The only disqualifying health condition is End Stage Renal Disease (ESRD) otherwise known as Stage 5 Kidney Failure. As long as you don’t have ESRD, you will be accepted into the plan of your choice. If you contract ESRD while on a Medicare Supplement Plan, then you cannot switch to a different plan, but you cannot be removed from the plan you’re on. Learn more about ESRD and Medicare, visit: http://www.cms.gov/Center/Special-Topic/End-Stage-Renal-Disease-ESRD-Center.html
There are several plan changes for the 2014 year, most notably the exit from San Diego County of the Anthem Blue Cross HMO Medicare Advantage Plan. This plan will cease to exist on January 1st, 2014. All clients that are currently covered under this plan must select a new plan by late February 2014 (you have a Special Election Period that lasts until the end of February). This is also the perfect time to move back to a Medicare Supplement Insurance Plan if that’s what looks best for your finances and your lifestyle. Please call me about how to do this correctly: 888-939-7383.