877.744.6787 toll free
Liz Holenstein is a licensed insurance agent in the state of California specializing in Medicare Advantage, Supplement and Prescription Drug plans.
Rates vary between Medicare plans, so it’s important to have expert guidance in choosing an affordable plan that fits your specific needs and budget.
No fee for using Agent's service.
Anthem Blue Cross
Blue Shield of California
What is a Medicare Supplement Plan
also known as Medigap
People who are enrolled in Original Medicare (Part A and Part B) and buy a Medicare Supplement Plan will generally have 100 percent of their Medicare-approved health care cost covered (depending on the plan they choose).
• Each Medicare Supplement Plan must offer the same basic benefits, no matter which insurance company sells it.
• Usually the differences between Medicare Supplement policies sold by different insurance companies are the cost, underwriting criteria, extra services (value-added) and customer service.
• Medicare Supplement insurance companies must follow federal and state laws.
• Help with managing out-of-pocket costs.
• The freedom to choose any doctor who accepts Medicare (Select plans require hospital networks)
• No claim forms to file.
• National coverage so beneficiaries can use benefits anywhere in the United States. If beneficiaries move, their coverage moves with them, except Select Plans which may not be available everywhere.
• Foreign travel coverage for emergency services
(for most plans)
• A 30-day “free look” evaluation period. Full refund of premiums (minus clains paid, if any) if policies are returned within 30 days of plan issuance.
8 things to know about Medigap policies
1) You must have Medicare Part A and Part B.
2) If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
3) You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
4) A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.
5) You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.
6) Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.
7) Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D)
8) it’s illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.
People who need help deciding or have questions can do
any or all of the following:
• Contact us by e-mail
• Call us toll free at 1.877.744.6787
• Do a self quote here
• Visit www.medicare.gov
• Call 1.800.MEDICARE (1.800.633.4227) or
1-877-486-2048 (TTY users)
• Contact their State Health Insurance Assistance Program.
For more information on Medicare Supplement Plans, please review “Choosing a Medigap Policy:
A Guide to Health Insurance for People with Medicare.”