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Medicare Advantage should fit your life   email steve

Blue Shield Medicare Advantage Plans in California

Turning 65, new to Medicare, or comparing Blue Shield 65 Plus, Inspire, Trio, or Choice?

  • Blue Shield Medicare Advantage plans are different from Original Medicare.
    • With Original Medicare, many people can use any doctor or hospital that accepts Medicare.
    • With a Medicare Advantage plan, you must pay close attention to the plan’s own provider network, medical groups, hospitals, drug formulary, referral rules, and service area.
  • That is why I do not suggest choosing a Medicare Advantage plan based only on premium, TV advertising, extra benefits, or a quick online quote.
    • The practical question is: will this specific plan work with your doctors, hospitals, prescriptions, and county?

Licensed California insurance agent since 1975 — independent Medicare plan help, not a call center.


  • Before enrolling in Blue Shield Medicare Advantage, send me:
    • your ZIP code, county, doctors, medical groups, preferred hospitals, prescriptions, and whether you are turning 65, already on Medicare, or losing employer coverage.
  • Provider networks are one of the biggest differences between Medicare Advantage and Original Medicare.
    • A plan may have attractive benefits, but if your doctor, medical group, hospital, or prescription drug is not a good fit, the plan may not be the right choice.
  • Blue Shield may be a good fit for some people, but it is not automatic.
    • I can help compare Blue Shield Medicare Advantage with other Medicare Advantage plans, Medicare Supplement options, and Part D prescription drug coverage.

 

Mandatory Federal Disclaimer

  • “We do not offer every plan available in your area. Currently we represent four organizations which offer [insert number of plans] products in your area.
  • Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”  42 CFR §422.2267 

 

  • What does this required CMS disclaimer mean?
    • The statement above refers to the Medicare Advantage plans I am contracted and authorized to sell.
    • I can also use Medicare.gov's Plan Compare tools, Integrity Broker only resource and the plans public website to research other Medicare plans available in your area.
    • I can provide information about those options, although I can only enroll you in plans I am authorized to represent.
Optional Deeper Details Below
The practical explanation is above. The section below includes supporting documents, background material, citations, examples, and technical details for readers who want more.

Broker ONLY

Medicare Supplement Plan Changes for April 1, 2024

 

With current market evaluation, we have made the decision to discontinue Medicare Supplement Plan G Inspire effective 4/1/24.

 

Plan G Inspire has been in the market for 3 years and was only offered in select Northern CA counties.  Agents and members will find Medicare Supplement Plan G Extra to be the same benefits and equal or less cost, without the AAA Roadside Driver program.

 

To help you navigate this change, we sent out a Producer Alert, and attached are PDF documents for Plan G Inspire FAQ, Plan G Extra, and Medicare Supplement Plan Comparisons (G, G Extra, F Extra).  All marketing materials with Plan G Inspire will be updated by 4/1/24, including new enrollment, transfer, enrollment kits, marketing flyers, online references. It is highly recommended you read the FAQ and your Producer Alert link .

 

Current Plan G Inspire members will be notified October 1, 2024 and will be given a Special Enrollment Period to move to another supplement plan with no underwriting.

 

Plan G Extra is sold statewide and offers these same extra benefits as Plan G Inspire:

  • Over The Counter (OTC) through CVS
  • Vision
  • Acupuncture & Chiropractic
  • Teladoc
  • Hearing Aids
  • SilverSneakers
  • NurseHelp

 

Additionally, Plan G Extra offers our popular Welcome to Medicare rate savings of $25 for the first year, Auto-payment savings, Household Savings, and Dental discount.