Acton Adelanto Adin Agoura Hills Agua Dulce Ahwahnee Alameda Alamo Albany Albion Alhambra Aliso Viejo Alpine Altadena Alturas Alum Rock Alviso Amador City Amboy American Canyon Anaheim Hills Anaheim Anderson Angels Camp Angelus Oaks Angwin Antioch Apple Hill Apple Valley Applegate Aptos Arcadia Arcata Armona Arnold Arrowbear Lake Arroyo Grande Artesia Arvin Atascadero Atherton Atwater Auburn Avalon Avenal Avery Avila Beach Azusa Badger Baker Bakersfield Baldwin Park Ballard Banning Barstow Bass Lake Bear Valley Beaumont Belden Bell Bell Gardens Bellflower Belmont Belmont Shore Belvedere Ben Lomond Benicia Berkeley Bermuda Dunes Bethel Island Beverly Hills Bieber Big Bar Big Bear Lake Big Pine Big Sur Biggs Bishop Blairsden Bloomington Blue Jay Blue Lake Blythe Bodega Bodega Bay Bolinas Bonita Bonny Doon Bonsall Bootjack Boron Borrego Springs Boulder Creek Boulevard Bradbury Brawley Brea Brentwood Brentwood, Los Angeles Bridgeport Brisbane Broadmoor Broderick Brookdale Brownsville Buck Meadows Buellton Buena Park Burbank Burlingame Burney Buttonwillow Cabazon Calabasas Calexico Caliente California City California Valley Calimesa Calipatria Calistoga Calpine Camarillo Cambria Cambrian Park Camino Campbell Campo Canby Canoga Park Canyon Country Canyon Lake Canyondam Capistrano Beach Capitola Cardiff-by-the-Sea Carlsbad Carmel Valley Village Carmel-by-the-Sea Carmichael Carnelian Bay Carpinteria Carson Casmalia Cassel Castaic Castro Valley Castroville Cathedral City Catheys Valley Cayucos Cazadero Cedarville Central Valley Ceres Cerritos Chatsworth Chester Chicago Park Chico Chinese Camp Chino Chino Hills Chowchilla Chula Vista Citrus Heights Claremont Clayton Clearlake Clearlake Oaks Clio Cloverdale Clovis Coachella Coalinga Coarsegold Cobb Coleville Colfax Colma Coloma Colton Columbia Colusa Commerce Compton Concord Cool Corcoran Corning Corona Corona del Mar Coronado Corte Madera Costa Mesa Cotati Coto de Caza Cottonwood Coulterville Covelo Covina Crescent City Crescent Mills Crestline Cromberg Crowley Lake Cudahy Culver City Cupertino Cuyama Cypress Daly City Dana Point Danville Dardanelle Davenport Davis Death Valley Del Mar Del Rey Oaks Delano Desert Hot Springs Diamond Bar Dinuba Dixon Dorris Dos Palos Douglas City Downey Downieville Doyle Drytown Duarte Dublin Duncans Mills Dunlap Dunnigan Dunsmuir Earp East Los Angeles East Palo Alto Eastvale El Cajon El Centro El Cerrito El Cerrito, San Diego El Dorado Hills El Granada El Monte El Portal El Segundo Elk Elk Grove Emeryville Emigrant Gap Encinitas Encino Escalon Escondido Etna Eureka Exeter Fair Oaks Fairfax Fairfield Fall River Mills Fallbrook Farmersville Fawnskin Felton Ferndale Fields Landing Fillmore Firebaugh Fish Camp Florence-Graham Folsom Fontana Foresta Foresthill Fort Bidwell Fort Bragg Fort Jones Fortuna Foster City Fountain Valley Fowler Frazier Park Freestone Fremont Fresno Fullerton Galt Garberville Garden Grove Garden Valley Gardena Gasquet Gazelle Georgetown Geyserville Gilroy Glassel Park Glendale Glendora Glenhaven Goleta Gonzales Gorman Graeagle Granada Hills Grand Terrace Grass Valley Green Leaf Greenfield Greenville Gridley Groveland Grover Beach Guadalupe Gualala Guerneville Gustine Hacienda Heights Halcyon Half Moon Bay Hanford Happy Camp Harbor City Hardwick Harmony Hat Creek Hawaiian Gardens Hawthorne Hayfork Hayward Healdsburg Helena Helendale Hemet Hercules Hermosa Beach Hesperia Hidden Hills Highland Highland Park Hillsborough Hollister Hollywood Holtville Home Garden Homeland Homewood Hoopa Hope Ranch Hope Valley Hopland Hornitos Horse Creek Hughson Humboldt Huntington Beach Huntington Park Huron Hydesville Idyllwild Imperial Imperial Beach Independence Indian Wells Indio Inglewood Inverness Inyokern Ione Irvine Irwindale Isla Vista Isleton Jackson Jacumba Jamestown Jenner Johannesburg Joshua Tree Julian Junction City June Lake Kelseyville Kentfield Kenwood Kerman Kernville Kettleman City Keyes King City Kings Beach Kings Canyon National Park Kingsburg Kirkwood Klamath Klamath River Kyburz La Cañada Flintridge La Crescenta La Habra La Habra Heights La Honda La Jolla La Mesa La Mirada La Palma La Puente La Quinta La Selva Beach La Verne Lafayette Laguna Beach Laguna Hills Laguna Niguel Laguna Woods Lake Almanor Lake Arrowhead Lake Elizabeth Lake Elsinore Lake Forest Lake Hughes Lake Isabella Lake Los Angeles Lakehead Lakeport Lakeshore Lakewood Lancaster Landers Larkspur Lathrop Lawndale Laytonville Lebec Lee Vining Leucadia Leggett Lemon Cove Lemon Grove Lemoore Lennox Leona Valley Lewiston Lincoln Linda Mar Lindsay Littleriver Littlerock Live Oak Livermore Livingston Llano Lodi Loma Linda Loma Mar Lomita Lompoc Lone Pine Long Barn Long Beach Loomis Los Alamitos Los Alamos Los Altos Los Altos Hills Los Angeles Los Banos Los Gatos Los Olivos Los Osos Lotus Loyalton Lucerne Lucerne Valley Ludlow Lynwood Madera Malibu Mammoth Lakes Manchester Manhattan Beach Manteca Maricopa Marina Marina del Rey Mariposa Markleeville Martinez Marysville Maywood McClellan AFB McCloud McFarland McKinleyville McKittrick Meadow Valley Meadow Vista Mendocino Mendota Menifee Menlo Park Merced Mi-Wuk Village Middletown Midpines Mill Creek Mill Valley Millbrae Milpitas Mineral Miramonte Miranda Mission Viejo Modesto Mojave Mokelumne Hill Monrovia Montague Montara Montclair Monte Rio Monte Sereno Montebello Montecito Monterey Monterey Park Moorpark Moraga Moreno Valley Morgan Hill Morro Bay Moss Beach Mount Shasta Mountain Mesa Mountain View Mt Baldy Murphys Murrieta Myers Flat Napa National City Natomas Needles Nevada City New Cuyama Newark Newbury Park Newhall Newman Newport Beach Nice Niland Nipomo Norco North Edwards North Fork North Highlands North Hollywood Northridge Norwalk Novato Oak View Oakdale Oakhurst Oakland Oakley Occidental Oceanside Ocotillo Ojai Olancha Old Station Olema Olivenhain Olympic Valley Ontario Orange Orange Cove Orangevale Orcutt Orick Orinda Orland Orleans Orosi Oroville Oxnard Pacific Grove Pacifica Pacoima Palm Desert Palm Springs Palmdale Palo Alto Palos Verdes Estates Panorama City Paradise Paramount Parker Dam Parlier Pasadena Paso Robles (el Paso de Robles) Patterson Pearblossom Pebble Beach Perris Pescadero Petaluma Petrolia Phelan Phillipsville Philo Pico Rivera Piedmont Piercy Pilot Hill Pine Grove Pine Valley Pinecrest Pinedale Pinole Pioneer Pioneertown Piru Pismo Beach Pittsburg Pixley Placentia Placerville Platina Playa del Rey Pleasant Hill Pleasanton Plymouth Point Arena Point Reyes Station Pollock Pines Pomona Port Costa Port Hueneme Porterville Portola Portola Valley Poway Princeton by the Sea Project City Quartz Hill Ramona Rancho Bernardo Rancho Cordova Rancho Cucamonga Rancho Mirage Rancho Palos Verdes Rancho Santa Fe Rancho Santa Margarita Randsburg Ravendale Red Bluff Redcrest Redding Redlands Redondo Beach Redway Redwood City Redwood Estates Redwood Shores Reedley Reseda Rialto Richmond Ridgecrest Rio Dell Rio Vista Ripon Riverbank Riverside Rocklin Rohnert Park Rolling Hills Rolling Hills Estates Rosamond Rosemead Roseville Ross Rough and Ready Round Mountain Rowland Heights Running Springs Rutherford Ryde Sacramento Salida Salinas San Andreas San Anselmo San Bernardino San Bruno San Carlos San Clemente San Diego San Dimas San Fernando San Francisco San Gabriel San Jacinto San Joaquin San Jose San Juan Bautista San Juan Capistrano San Leandro San Luis Obispo San Marcos San Marino San Martin San Mateo San Miguel San Pablo San Pedro San Rafael San Ramon San Simeon San Ysidro Sand City Sanger Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Fe Springs Santa Maria Santa Monica Santa Paula Santa Rosa Santa Ynez Santa Ysabel Santee Saratoga Saugus Sausalito Scotia Scotts Valley Seal Beach Seaside Sebastopol Selma Sepulveda Shafter Shasta Lake Shaver Lake Shell Beach Sherman Oaks Shoshone Sierra City Sierra Madre Sierraville Signal Hill Silverado Simi Valley Sky Londa Smith River Soda Springs Solana Beach Soledad Solvang Sonoma Sonora South El Monte South Gate South Laguna South Lake Tahoe South Pasadena South San Francisco South San Jose Hills South Whittier Springville Squaw Valley St. Helena Stanton tinson Beach Stirling City Stockton Stratford Strawberry Strawberry Valley Stronghold Studio City Sugarloaf Suisun City Sultana Summerland Sun City Sun Valley Sunland Sunnyvale Sunset Beach Susanville Sutter Creek Sylmar Taft Tahoe City Tahoe Vista Tahoma Tarzana Tecate Tecopa Tehachapi Tehama Temecula Temple City Templeton The Sea Ranch Thermal Thousand Oaks Thousand Palms Three Rivers Tiburon Tomales Torrance Trabuco Canyon Tracy Trinidad Trinity Center Trona Truckee Tujunga Tulare Tulelake Turlock Tustin Twain Twain Harte Twentynine Palms Twin Bridges Twin Peaks Two Harbors Ukiah Union City Upland Upper Lake Vacaville Valencia Vallejo Valley Center Valley Ford Valley Springs Valyermo Van Nuys Venice Ventura Vernon Victorville Villa Park Visalia Vista Volcano Wallows Walnut Walnut Creek Walnut Grove Warner Springs Wasco Washington Waterford Watsonville Wawona Weaverville Weed Weimar Weott West Covina West Hollywood West Sacramento Westlake Village Westminster Westmorland Westport Westwood Wheatland Whitethorn Whittier Williams Willits Willow Creek Willows Wilmington Windsor Winterhaven Winters Wofford Heights Woodlake Woodland Woodland Hills Woodside Wrightwood Yermo Yorba Linda Yosemite National Park Yountville Yreka Yuba City Yucaipa Yucca Valley Zamora Zenia
David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999-2017 by David Fluker - David Fluker Insurance Services. All Rights Reserved.
Medicare Supplement Plans (also known as Medigap Plans) are health insurance plans designed to supplement coverage under original Medicare and fill in certain gaps in original Medicare coverage.
Medicare Supplements are standardized plans designed by letters A-N with each letter plan featuring a different level of gap coverage.
For Senior 65+ Resources and Information, visit our Seniors 65+ Page
Medicare Part A
Medicare Part A pays for inpatient hospital, skilled nursing care and some home health care. Most seniors are automatically enrolled in Medicare Part A when they turn 65. For 2017, the Medicare Part A deductible is $1,316.00 for the first 60 days. Cost share in 2016 for days 61-90 is $329.00 per day (you pay) and $658.00 per day (you pay) for 91 days and beyond. For beneficiaries in skilled nursing facilities, the daily co-insurance for days 21-100 is $164.50 for 2017.
Medicare Part A is free of premium cost for those who have 40 or more quarters of Medicare-covered employment. Seniors with 30-39 quarters may purchase Part A for $227.00 monthly premium. Seniors with less than 30 quarters or who are otherwise not eligible for premium-free Part A would pay a monthly premium of $413.00 for Medicare Part A.
Medicare Part B
Medicare Part B pays for physician services, outpatient hospital services, certain home health services and durable medical equipment. Part B enrollment is not automatic at age 65 and seniors must elect Part B either when they turn 65 or when they lose employer-sponsored health coverage if they work past age 65 (seniors can elect Medicare Part B even if they are covered under an employer-sponsored plan as an employee or they can choose to defer Part B enrollment). Premium for Medicare Part B for 2017 is $134.00 for most seniors (it can be higher depending on income). Generally the monthly Part B premium will be deducted from a senior's Social Security check automatically. The Medicare Part B deductible for 2017 is $183.00.
Medicare Part C
Medicare Part C is the Medicare Advantage program. Medicare Advantage Plans are private health insurance plans approved by Medicare and are used in place of Original Medicare. Part C plan benefits may not cover less than original Medicare, but may cover more. Premiums for Part C Medicare Advantage Plans can range from $0 per month to over $100 per month. Medicare Advantage Plans often include prescription drug coverage (Part D) and these are referred to as MAPD (Medicare Advantage Prescription Drug) Plans. Medicare Advantage Plans are now all HMO plans in California. When a senior enrolls in a Medicare Advantage Plan, the carrier's provider network, formulary drug network and any co-pays, deductible and co-insurance are all determined by the health plan, not by Medicare.
In addition to MAPD, there are MA only plans (Medicare Advantage) which do not include the Part D prescription drug benefit. It is very important to remember that a senior may not enroll in a Medicare Advantage (MA only) plan that is an HMO or PPO plan and purchase a stand-alone Part D drug plan. Only the MA FFS plans are allowed to be combined with a stand-along prescription drug (Part D) plan.
Medicare Part D
Medicare Part D is the Medicare Prescription Drug benefit. Part D plans may be purchased as a stand-alone plan to accompany original Medicare, original Medicare plus a Supplement, or an MA FFS plan. Part D plans are available for seniors from a variety of private health insurers as well as the base Part D plan directly from Medicare. Part D drug plans have a deductible, then cost share, then what is referred to a the donut hole (no cost sharing senior pays all) then full coverage. There are many variations between Part D drug plans in terms of how each handles the deductible and cost-sharing. Additionally, some carriers are offering Part D drug plans in conjunction with specific pharmacy providers such as Walgreens, CVS, Rite Aid and Walmart.
I am happy to assist my Medicare Supplement clients with finding Part D drug plans as an added service. I don't sell Part D drug plans on a stand-alone basis.
A Medicare Supplement is a private plan also known as a Medigap plan. Supplements are standardized and identified by letter (A-N). Some Medicare Supplement plans were eliminated as redundant with the Medicare Modernization Act. Each Medicare Supplement plan (by letter) has a different level of gap coverage and the plans are intended to help fill the gaps (costs to seniors) in original Medicare. Because Medicare Supplements are standardized, each Supplement of a certain letter (for example: Plan F) must offer identical gap coverage. Medicare Supplements charge a monthly premium and pay gaps after Medicare pays it's portion of cost for covered services.
California 'Birthday Rule' - California law provides an annual open enrollment for those Medicare beneficiaries who have a Medicare Supplement plan. This is known as the Birthday Rule. The law allows any beneficiary to enroll in any available carrier's "like or lesser" Supplement plan without underwriting on their birthday plus 30 days thereafter in replacement of their current supplement. Like or lesser meaning supplemental benefits equal to (same letter ) or less than the current supplement plan. Plan F members can move to any other supplement as every plan would be considered like or lesser. For more details, contact me.
CA Insurance Code 10192.11 (h) (1) An individual shall be entitled to an annual open enrollment period lasting 30 days or more, commencing with the individual's birthday, during which time that person may purchase any Medicare supplement policy that offers benefits equal to or lesser than those provided by the previous coverage. During this open enrollment period, no issuer that falls under this provision shall deny or condition the issuance or effectiveness of Medicare supplement coverage, nor discriminate in the pricing of coverage, because of health status, claims experience, receipt of health care, or medical condition of the individual if, at the time of the open enrollment period, the individual is covered under another Medicare supplement policy or contract. An issuer shall notify a policyholder of his or her rights under this subdivision at least 30 and no more than 60 days before the beginning of the open enrollment period.
Blue Shield of California Guaranteed Acceptance Guide
This guide outlines 17 situations under which California Medicare Beneficiaries may purchase a Medicare Supplement Plan without medical underwriting.
Resources for Seniors
Medicare.gov The Medicare web site is the best single source of Medicare information online
National Council on Aging (NCOA)
Blue Shield of California has announced a "rate freeze" for 2017. Blue Shield will use their 2016 Supplement pricing for all of 2017. In addition, Blue Shield is offering year around "Birthday Rule" open enrollment until the end of 2017. Call or e-mail for a no-obligation free rate quote with Blue Shield of California Medicare Supplements and see if you can save money.
Blue Shield of California has announced an increase the the "New To Medicare" Discount on Medicare Supplement Plans A, C, D & F. The discount changes from $15 per month to $25 per month on supplements with 8/1/17 or later effective dates. An additional $3 per month discount is available for using Easy$Pay to pay premiums. All Blue Shield Medicare Supplement Plans include free Silver Sneakers Fitness Program. Blue Shield discount applies during first 12 months so if you enroll any time during your 12 month eligibility period, you get the discount for the remaining months only.
Anthem Blue Cross offers $20 per month Plan F Discount for "New To Medicare" beneficiaries. The Anthem discount works a little differently from Blue Shield. With Anthem, you must enroll within the first six months of your initial Part B enrollment. Anthem then allows a full 12 months of discount on Plan F even if you enroll in month six. Anthem also offers $2 per month additional discount if you use autopay. Anthem Supplements now include Silver Sneakers Fitness Program.
Gilroy, California - Serving California Residents Since 1995 California License 0B58920
This web site is owned and maintained by David Fluker Insurance Services, which is solely responsible for it's content. The site is not maintained by nor affiliated with Covered California, and Covered California bears no responsibility for it's content. The e-mail addresses and telephone numbers that appear throughout the site belong to David Fluker Insurance Services and cannot be used to contact Covered California.
David Fluker California Health Insurance
Medicare Supplements (Medigap) for California Seniors 65+
Anthem Blue Cross Blue Shield Health Net Cigna Aetna