Frequently Asked Questions About Medicare

Yes, when you enroll in Medicare, you will have the opportunity to pair additional benefits like dental insurance, vision insurance, and hearing aids.

Many Advantage plans offer these additional benefits at no additional cost while Supplement plans often require you to pay extra for these additional benefits.

In San Diego, Anthem, Aetna, Blue Shield, and SCAN all offer Silver Sneakers as a free benefit for their Medicare members.

Some carriers offer a different fitness package. Take a look here for a detailed breakdown of each carrier's fitness offering.

UnitedHealthcare® has their own gym and wellness package called “Renew Active.”

Kaiser has a similar program called “Active&Fit” built for Kaiser’s Medicare members.

Yes. You should absolutely pair your Original Medicare Plan with additional coverage. You will have more complete coverage if you pair it with a Supplement or Advantage Plan. 

IRMAA stands for income-related monthly adjustment amount and is an additional amount that some people might have to pay along with their Medicare premium.

The Medicare Income-Related Monthly Adjustment Amount (IRMAA) is an amount you may pay in addition to your Part B or Part D premium if your income is above a certain level. If you are a higher earner, you will likely pay more for your Medicare plans.

Click here to learn more about IRMAA and how to avoid it.

Many carriers offer a fitness package to their Medicare members. Take a look here for a detailed breakdown of each carrier's fitness offering.

In San Diego, Anthem, Aetna, Blue Shield, and SCAN all offer Silver Sneakers as a free benefit for their Medicare members.

UnitedHealthcare® has their own gym and wellness package called “Renew Active.”

Kaiser has a similar program called “Active&Fit” built for Kaiser’s Medicare members.

After you enroll in Original Medicare, you'll receive your Medicare number in the mail. This can take up to 3 weeks for the Social Security Office to process your application and send you your Medicare number.

You can also login to your social security account and view your Medicare number there.

Enroll in Original Medicare here: https://www.ssa.gov/benefits/medicare/

I encourage you to enroll with the help of a Medicare broker like HealthyMarks Medicare. Although you can do it alone, there are no drawbacks to working with a broker. Our expertise and experience will prove valuable to you during the enrollment process and during your ongoing coverage. The services offered by our team are free to you because insurance companies have agreed to pay commissions to brokers to help people like you enroll.

Medicare is a federal government-sponsored healthcare program for those 65 and over, and for younger people who are disabled.

Medicaid, or Medi-Cal in California, is a healthcare program for low-income individuals who could not otherwise afford health insurance.

Large Group Employers have access to health insurance plans that the rest of us do not. Many of the large group plans have what is called “Composite Rating.” Or in other words, these plans do not get more expensive when you get older. You will pay the same as a younger employee.

Because of this, some of these large group employer plans are competitive with the Medicare plans in San Diego.

You should evaluate both and select the better insurance plan.

To learn more about comparing Medicare plans vs company plans, click here.

Having a spouse as a dependent on your group insurance plan may impact whether or not you switch to Medicare. When you enroll in Medicare, your spouse can then enroll in his/her own individual market health insurance plan because losing insurance is a “qualifying event” to switch to a new plan. However, maybe your spouse doesn’t want to make that switch or your employer is contributing towards both you and your dependent’s insurance premiums. In this scenario, consider speaking with a HealthyMarks professional for a Plan Evaluation.

You should evaluate both options and select the better option for you and your family.

To learn more about the evaluation of group insurance vs Medicare, click here.

In short, you should evaluate both options and select the better insurance plan.

There are times when an employer's group policy is better priced with better benefits compared to the options through Medicare. There are also many times when the Medicare options will be better priced and offer better benefits.

To learn more about these group insurance vs Medicare scenarios, click here.

Typically, Medicare pricing is much better than what is available to employees through their work or what is available on the individual market. Medicare plans are generally much less expensive because the government is helping pay the monthly premium. Furthermore, these Medicare plans are very well received by the members who enroll in them. Members often experience less out of pocket expenses when on Medicare.

You should evaluate both and select the better insurance plan.

Typically, Medicare pricing is much better than what is available to employees through their work or what is available on the individual market. Medicare plans are generally much less expensive because the government is helping pay the monthly premium. Furthermore, these Medicare plans are very well received by the members who enroll in them. Members often experience less out of pocket expenses when on Medicare.

You should evaluate both and select the better insurance plan.

Large Group Employers have access to health insurance plans that the rest of us do not. Many of the large group plans have what is called “Composite Rating.” Or in other words, these plans do not get more expensive when you get older. You will pay the same as a younger employee.

Because of this, some of these large group employer plans are competitive with the Medicare plans in San Diego.

You should evaluate both and select the better insurance plan.

To learn more about comparing Medicare plans vs company plans, click here.

Having a spouse as a dependent on your group insurance plan may impact whether or not you switch to Medicare. When you enroll in Medicare, your spouse can then enroll in his/her own individual market health insurance plan because losing insurance is a “qualifying event” to switch to a new plan. However, maybe your spouse doesn’t want to make that switch or your employer is contributing towards both you and your dependent’s insurance premiums. In this scenario, consider speaking with a HealthyMarks professional for a Plan Evaluation.

You should evaluate both options and select the better option for you and your family.

To learn more about the evaluation of group insurance vs Medicare, click here.

In short, you should evaluate both options and select the better insurance plan.

There are times when an employer's group policy is better priced with better benefits compared to the options through Medicare. There are also many times when the Medicare options will be better priced and offer better benefits.

To learn more about these group insurance vs Medicare scenarios, click here.

Yes, HealthyMarks for Business helps businesses offer health insurance benefits to their employees.

Yes, UnitedHealthcare® offers multiple Medicare products in San Diego.

UnitedHealthcare® offers both Supplement and Advantage plans with access to Scripps, Sharp, and UCSD. UnitedHealthcare® also offers Part D Prescription Drug plans.

In San Diego, Anthem, Aetna, Blue Shield, and SCAN all offer Silver Sneakers as a free benefit for their Medicare members.

Some carriers offer a different fitness package. Take a look here for a detailed breakdown of each carrier's fitness offering.

UnitedHealthcare® has their own gym and wellness package called “Renew Active.”

Kaiser has a similar program called “Active&Fit” built for Kaiser’s Medicare members.

Yes, with many Supplement and Advantage plans, you will have access to emergency services anywhere in the world. You can be confident that you are able to travel and still receive emergency care.

San Diego carriers Blue Shield, SCAN, and UnitedHealthcare® all offer "Travel Insurance" for any emergencies when you travel out of the country.

Yes, many carriers in San Diego offer tele-health or Teledoc services.

Blue Shield offers Teladoc on their Supplement plans. UnitedHealthcare® offers a 24-7 nurse line as well as virtual medical visits with a licensed physician. SCAN also offers access to telehealth care from the comfort of your home.

Many carriers offer a fitness package to their Medicare members. Take a look here for a detailed breakdown of each carrier's fitness offering.

In San Diego, Anthem, Aetna, Blue Shield, and SCAN all offer Silver Sneakers as a free benefit for their Medicare members.

UnitedHealthcare® has their own gym and wellness package called “Renew Active.”

Kaiser has a similar program called “Active&Fit” built for Kaiser’s Medicare members.

Yes.  UnitedHealthcare® offers many Medicare products in San Diego including Advantage Plans and Supplement Insurance.

Yes.  UnitedHealthcare® offers many Medicare products in San Diego including Supplement Insurance and Advantage Plans.

In San Diego, Anthem, Aetna, Blue Shield, and SCAN all offer Silver Sneakers as a free benefit for their Medicare members.

Some carriers offer a different fitness package. Take a look here for a detailed breakdown of each carrier's fitness offering.

UnitedHealthcare® has their own gym and wellness package called “Renew Active.”

Kaiser has a similar program called “Active&Fit” built for Kaiser’s Medicare members.

Yes, with many Supplement and Advantage plans, you will have access to emergency services anywhere in the world. You can be confident that you are able to travel and still receive emergency care.

San Diego carriers Blue Shield, SCAN, and UnitedHealthcare® all offer "Travel Insurance" for any emergencies when you travel out of the country.

Yes, many carriers in San Diego offer tele-health or Teledoc services.

Blue Shield offers Teladoc on their Supplement plans. UnitedHealthcare® offers a 24-7 nurse line as well as virtual medical visits with a licensed physician. SCAN also offers access to telehealth care from the comfort of your home.

Yes, Blue Shield offers multiple Medicare products in San Diego.

Blue Shield offers Advantage plans with access to Sharp, and UCSD.  Blue Shield also offers Supplement plans with a nationwide network of doctors including access to Scripps.  Blue Shield also offers Part D Prescription Drug plans.

Many carriers offer a fitness package to their Medicare members. Take a look here for a detailed breakdown of each carrier's fitness offering.

In San Diego, Anthem, Aetna, Blue Shield, and SCAN all offer Silver Sneakers as a free benefit for their Medicare members.

UnitedHealthcare® has their own gym and wellness package called “Renew Active.”

Kaiser has a similar program called “Active&Fit” built for Kaiser’s Medicare members.

Yes, Blue Shield offers multiple Medicare products in San Diego including Advantage Plans.

Blue Shield offers Advantage plans with access to Sharp, and UCSD.  Blue Shield also offers Supplement plans with a nationwide network of doctors including access to Scripps.  Blue Shield also offers Part D Prescription Drug plans.

Yes, Blue Shield offers multiple Medicare products in San Diego including Supplement Insurance Plans.

Blue Shield offers Advantage plans with access to Sharp, and UCSD.  Blue Shield also offers Supplement plans with a nationwide network of doctors including access to Scripps.  Blue Shield also offers Part D Prescription Drug plans.

Yes, Sharp HealthCare is a major medical group in San Diego and you can receive care from Sharp on many Advantage plans and Supplement Insurance plans.

Yes.  Sharp has many facilities throughout San Diego that you can visit while on Medicare.  Urgent Care services are available to you.

Yes.  Telehealth services are available to you through Sharp if you have an Advantage Plan or Supplement Insurance.

Yes, Sharp HealthCare is a major medical group in San Diego and you can receive care from Sharp on many Advantage plans and Supplement Insurance plans.

Yes, Sharp HealthCare is a major medical group in San Diego and you can receive care from Sharp on many Advantage plans and Supplement Insurance plans.

Yes.  Sharp has multiple locations and hospitals that can help you if you are in need of Urgent Care.

Yes, UC San Diego Health is a major medical group in San Diego and you can receive care from UCSD on some Advantage Plans and all Supplement Insurance plans.

Yes.  While on Medicare, you can access UCSD's tele-health services.

Yes.  UC San Diego Health accepts multiple Advantage Plans here in San Diego.  UCSD also accepts Supplement Insurance.

Yes.  UC San Diego Health has multiple locations and hospitals that can help you if you are in need of Urgent Care.

Yes, UC San Diego Health is a major medical group in San Diego and you can receive care from UCSD on some Advantage Plans and all Supplement Insurance plans.

No, effective January 1st 2024, the Scripps Clinic and Scripps Coastal network of doctors are no longer accepting any Medicare Advantage Plans.

Supplement Plans have a nationwide network of doctors and Scripps is included.  You will be in network with Scripps hospitals with a Supplement plan.

Yes, Scripps is a major medical hospital system in San Diego and you can receive care from Scripps hospitals on all Supplement Insurance plans.  However, effective 2024, Scripps Clinic and Scripps Coastal Medical Groups no longer accept Medicare Advantage Plans.

Yes, Scripps is a major medical hospital system in San Diego and you can receive care from Scripps hospitals on all Supplement Insurance plans.  However, effective 2024, Scripps Clinic and Scripps Coastal Medical Groups no longer accept Medicare Advantage Plans.

Yes.  Scripps Health has multiple locations and hospitals that can help you if you are in need of Urgent Care.