The David Fluker Health Insurance Agency
Gilroy, California
California License # 0B58920
Toll-Free 1-800-509-0659
Local 408-847-6139
Fax 408-762-4450
Gilroy, California
California License # 0B58920
Toll-Free 1-800-509-0659
Local 408-847-6139
Fax 408-762-4450
Authorized Independent Agent
Individuals & Families
Seniors 65+
Small Businesses
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About Us
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Seniors 65+
Small Businesses
Send An E-mail
Provider Search
Forms & Applications
Request Quotes
About Us
Home Page
Contact Information
Hot Topics
Site Map
Client Testimonials
Click On The Images Below To Visit My Broker Sites
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Compare Plans
Apply Online
Get Quotes
Compare Plans
Apply Online
Blue Cross of California
Blue Shield of California
Health Net of California
Kaiser Permanente of California
Kaiser does not have a broker portal at this time. If you apply online. please included my name and ID# 7403 on the application. Thanks!
David J. Fluker, Licensed Life & Health Insurance Agent-Broker. California State License # 0B58920
Authorized Independent Agent-Broker Serving California Residents Representing All Carriers.
Web Site ©1999 - 2008 by Dave Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Authorized Independent Agent-Broker Serving California Residents Representing All Carriers.
Web Site ©1999 - 2008 by Dave Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Medigap Standardized Health Insurance Plans
Note: Some Medigap plans have been modified to accomodate the new Medicare Part D Prescription Drug Benefit. Plans H, I and J now are offered at much lower cost with no drug benefit included.
| Plan A | Plan B | Plan C | Plan D | Plan E |
| Basic Benefits | Basic Benefits | Basic Benefits | Basic Benefits | Basic Benefits |
| Skilled Nursing Facility Co Insurance | Skilled Nursing Facility Co Insurance | |||
| Part A Deductible | Part A Deductible | Part A Deductible | Part A Deductible | |
| Part B Deductible | ||||
| Foreign Travel Emergency | Foreign Travel Emergency | Foreign Travel Emergency | ||
| At Home Recovery | ||||
| Preventatie Care |
| Plan F | Plan G | Plan H | Plan I | Plan J |
| Basic Benefits | Basic Benefits | Basic Benefits | Basic Benefits | Basic Benefits |
| Skilled Nursing Facility Co Insurance | Skilled Nursing Facility Co Insurance | Skilled Nursing Facility Co Insurance | Skilled Nursing Facility Co Insurance | Skilled Nursing Facility Co Insurance |
| Part A Deductible | Part A Deductible | Part A Deductible | Part A Deductible | Part A Deductible |
| Part B Deductible | Part B Deductible | |||
| Part B Excess Charges @ 100% | Part B Excess Charges @ 80% | Part B Excess Charges @ 100% | Part B Excess Charges @ 100% | |
| Foreign Travel Emergency | Foreign Travel Emergency | Foreign Travel Emergency | Foreign Travel Emergency | Foreign Travel Emergency |
| At Home Recovery | At Home Recovery | At Home Recovery | ||
| Basic Drug Benefit $1250 Annual Limit | Basic Drug Benefit $1250 Annual Limit | Basic Drug Benefit $3000 Annual Limit | ||
| Preventative Care |
Basic Benefits (also known as Core Benefits) under Medicare Supplements Include:
Coverage for Part A coinsurance amount ($256 per day in 2008) for days 61-90 of a hospital stay in each Medicare benefit period
Coverage for Part A coinsurance amount ($512 per day in 2008) for days 91-150 of a hospital stay while using Medicare's 60 lifetime reserve days (which may only be used once)
All charges for 365 days of hospitalization after all Part A inpatient hospital and lifetime reserve days are used up
Hospital insurance (Part A) and Medical insurance (Part B) deductible for the cost of the first three pints of blood
Coverage of Part B coinsurance (generally 20% of the approved charge, after satisfaction of a $135 annual deductible (for 2008) for physician services; other services may have different coinsurance amounts)
Coverage for Part A coinsurance amount ($256 per day in 2008) for days 61-90 of a hospital stay in each Medicare benefit period
Coverage for Part A coinsurance amount ($512 per day in 2008) for days 91-150 of a hospital stay while using Medicare's 60 lifetime reserve days (which may only be used once)
All charges for 365 days of hospitalization after all Part A inpatient hospital and lifetime reserve days are used up
Hospital insurance (Part A) and Medical insurance (Part B) deductible for the cost of the first three pints of blood
Coverage of Part B coinsurance (generally 20% of the approved charge, after satisfaction of a $135 annual deductible (for 2008) for physician services; other services may have different coinsurance amounts)
