Anthem Blue Cross
Medi-Gap Plans
Introduction
A Medi-Gap plan allows you to keep your Original Medicare, and all your doctors. Blue Cross Medi-Gap plans pay in addition what Medicare Pays under Part A Hospital & Part B Dr. Visits – namely, the 20% Co Pays. Visit any Doctor or Hospital that accepts Medicare You still need to purchase Part D Rx.
There is no extra charge for our services. We are paid by Blue Cross to help you enroll and to consult with you year around. Our broker ID is GFKGQSJSRZ.
It’s best to apply when you turn 65 for the supplement plans or Advantage Plans, as that’s the main “Open Enrollment” period, guaranteed issue for any plan.
Email us [email protected] to discuss further, set a Face to Face, Skype or Phone Meeting
Medi Gap
ONLINE Enrollment & Information
- Medi Gap Brochure
- Outline of Coverage & Rates Details of Plan G 2021
- Paper Application – ONLINE is better * VIDEO Instructions
- * Online Enrollment is better and faster
Medicare Part A
(#Hospital Insurance)
Medicare Part A Hospital coverage helps pay for care in hospitals as an inpatient,... skilled nursing facilities, hospice care, and some home health care (see publication # 10969) but not Long Term Care.
Most people get Part A automatically when they turn age 65 at no charge, since they or a spouse paid Medicare taxes while they were working. You need to sign up close to your 65th birthday, even if you will not be retired by that time. (If you are getting Social Security benefits when you turn 65, your Medicare Hospital Benefits - Part A - start automatically.)
Here's a chart it's just a illustration and is NOT official that shows what Medicare pays, the gaps in Medicare and what you may get when you add a Medi Gap Plan or Medicare Advantage to cover those gaps.
Part B - Outpatient helps Pay For Doctors' services, outpatient hospital care, and some other medical services that Part A does not cover, such as the services of physical and occupational therapists, and some home health care see publication 10969, but not Long Term Care. Part B helps pay for these covered services and supplies when they are medically necessary.
The chart below is a very brief summary. Check the actual Evidence of Coverage for the plan you want to enroll in, Medicare & You or actual Medicare documents.
Our Webpages with more detail:
- Coverage in Part A Hospital & B Doctor Visits? Part D Rx
- Chiropractic – Medicare A & B – MAPD
- Diabetes – Prevention & Coverage under Medicare & ACA
- Durable Medical Equipment
- End Stage Renal – Kidney Failure
- Hearing Aids
- Physical therapy – occupational speech
- Skilled Nursing SNF & Home Health What Medicare Pays
- Togetherness – Loneliness Social Determinants of Health
- Mental Health
- How to sign up for Medicare?
Medi Gap Plans from Anthem Blue Cross –
Click for Information and ONLINE enrollment
Care Compare Video
Care Compare on Medicare.gov is a streamlined redesign of the 8 Medicare.gov compare tools.
Medicare Video - Physician Compare
Video on how to use Medicare Provider Finder
Our Webpage on What is it when your doctor Medicare agrees to Assignment?
Guide to Choosing a Hospital # 10181
Hospital Readmission Penalty Look Up
Long-Term Acute Care Hospital (LTACH) Clinical Guidelines - Oscar
US News & World Report
America's Best Hospitals
- UCLA #3
- Cedar's Sinai # 6
- UCSF San Francisco #9
- Stanford #12
Anthem Blue Cross
COVID Resource Center
Coverage of COVID 19
Rev 8.2020
10% premium discount for August 2020
More COVID FAQ's
Email us, if any links require a password
****Comments – FAQ’s *****
Just received a membership card from Blue of CA, called Silver Sneakers Fitness Program. I called the gym listed – Canyon Crest Athletic Club (One of the premier clubs in Riverside). They told me with the card, I am essentially a full-fledged member of the club with access to all facilities!
Pretty good deal for $53 / month Insurance premium.
My wife & I were born in 1940 making us 80 years old. We have Senior Classic I. We are paying $545/month for both of us.
Does it make sense to change to a current selling plan, like Plan G, which may have lower premiums as it doesn’t cover the Part B deductible of $198 for 2020 and $203 for 2021?
VIDEO Explanation https://www.loom.com/share/2c90dcc5b0de4827a64c3a0107222802
We can check with Blue Cross and verify what coverages you have, that might not show in the matrix below. On a quick view basis, it doesn’t look like it’s really worth the effort.
Plan I Matrix
Blue Cross Rates
Blue Shield Rates
Here’s the current A-N chart for summary comparisons
Chart for Frozen Plans A – N
Basic Benefits
A – G current chart
G – J from Frozen Summary of Benefits
Medicare now covers a ton of preventative services
Video Medicare Preventative Benefits
https://youtu.be/3ljyLlaDUEU
Here’s our webpage on Skilled Nursing Care and Home Health Care
Brochure # 10969
Video Medicare Home Health Care
https://youtu.be/yuwA0t9Uwrk
We show your premium for J at $503/month
Turns out this was for both husband and wife!!!
Here’s the rate chart for current selling plans.
Plans F & G Rates
How does Blue Cross Senior Class J compare to say the current Plan G?
Coverage & Premium for a 77 year old?
Can I change under the birthday rule?
Email us for the Guide to Member Services and Evidence of Coverage for the Senior Classic J which is no longer being sold, but those who have it can keep it.
and the Outline of Coverage from 2009 for Plan J
We show your premium for J at $503/month
Turns out this was for both husband and wife!!!
Here’s the rate chart for current selling plans.
Plans F & G Rates
Here’s the current A-N chart for summary comparisons
Chart for Frozen Plans A – N
Basic Benefits
A – G current chart
G – J from Frozen Summary of Benefits
Medicare now covers a ton of preventative services
Video Medicare Preventative Benefits
https://youtu.be/3ljyLlaDUEU
Here’s our webpage on Skilled Nursing Care and Home Health Care
Brochure # 10969
Video Medicare Home Health Care
https://youtu.be/yuwA0t9Uwrk
Here’s on webpage on the birthday rule
Steve’s VIDEO on Birthday Rule
https://youtu.be/9hJ6Idtt6IY
On the Medigap BC Anthem quote chart comparing Plan F and G.
Is the deductible per person or per married couple?
If my math is correct, we are age 70, if deductible is PP per person we save $79/month each by going to plan G.
Part B Deductible of $185 is per person per year
Subscriber means a person whose status is the basis for eligibility for membership in this Medicare Supplement Plan, who is enrolled by Blue Shield, and maintains coverage in accordance with this Agreement.
Deductible means the amount paid by the Subscriber for specific covered Services before Original Medicare or the Blue … Medicare Supplement Plan begins to pay. Sample Plan G EOC
Please tell me exactly where the application for Innovative F is or you can email me a paper pdf and I can print and send back.
Just use the ONLINE Enrollment link above or the link to the Paper application above. Click here for more details with screen shots.
Are the rates in the rate chart above accurate or do you have to complete an application and see if your approved for that rate or can there be a surcharge?
The rates above are accurate as long as you enroll at age 65 or have another guaranteed issue reason. To double check that we have posted the latest rates, use the affiliate link above. There is no extra charge to use our expertise. Blue Cross pays us to help you.
Is there a discount if husband and wife are on the same policy? How much?
Yes. As you can see from the outline of coverage, it’s 5%.
SAVE 5% when more than one member in the household enrolls in a Medicare Supplement plan with us. The discount is for policies with effective dates of June 1, 2010 or after and available to those members who occupy the same housing unit.
I’m looking thru files & I don’t see a comprehensive list/explanation of my specific coverage of my High F policy.
Please send me the list for dummies…of what is specifically covered
I.e. office visits, hospitalization, hospice, home health care including deductibles & tap out limits.
Thank you ever so much
Check out the Publications above:
Medicare & You
Choosing a Medi Gap Policy
and of course, Blue Cross’s Outline of Coverage
Please note that you have High F
* Plan F is also offered as a high‑deductible plan by some insurance companies in some states, in CA of the companies we represent Blue Shield offers it.
If you choose this option, this means you must pay for Medicare‑covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,200 in 2017 before your policy pays anything. Medicare still pays their portion under Part A Hospital and Part B Dr. Visits
I herd [heard] that anthem is leaving calif, unless you have a grandfather policy pre 2010.
With all we went through with them canceling and re instating us are we covered for 2018, 2019, etc.
You’re good. The withdrawal is only for ACA Obamacare plans in 16 of 19 CA Regions.