San Diego Medicare Supplement Insurance and Advantage Plans

supplement plans and Advantage plans are built to cover the gaps in your original Medicare insurance. For example if you select part A and B from original Medicare you will have access to doctors and they will provide you with services but you will have a very large deductible. The part a deductible is $1,408 in 2020. If you go ahead and gather a Medicare supplement insurance plan or an advantage plan you will be able to reduce that deductible to only a few hundred dollars.  

​because supplement and Advantage plans are so beneficial and relatively cheap for the insured to purchase I highly recommend evaluating both of these plans and identifying which is best for you. I do not recommend signing up for part A and Part B original Medicare without a supplement and an advantage plan. San Diego carriers like United Healthcare and Blue Shield are awesome supplement and Advantage providers and I am happy to share with you those plans that you can make a better decision about your insurance when you turn 65.

Why Do I need a Supplement or Advantage Plan when I sign up for Original Medicare?

original Medicare is an awesome product however it does not cover all of the costs associated with your health care. As you get older it's important to make sure that you are going to be completely covered for any of your medical needs. A supplement and an advantage plan will make sure that the cost out of your own pocket are extremely small anytime you need to go to the doctor. The best thing about a Medicare Advantage or a Medicare Supplement Plan is how little you need to pay out-of-pocket for your services.

although you do not need to sign up for a supplement or an advantage plan I highly recommend it. Especially here in San Diego Medicare supplement and Medicare Advantage plans are going to be extremely beneficial help you see the doctors that you want to see at the coverage that you want and you will pay very little out of your own pocket. 

The Best Supplement plan in San Diego for 2020 is Plan G.  This plan will only cost a newly eligible 65 year old $153.12 per month.  So $144.60 for Original Medicare and $153.12 for the best Supplement Plan here in San Diego and you'll now be setup with the best insurance you've had your entire life.

How to Choose between a Supplement plan and an Advantage Plan here in San Diego

both supplement plans and Advantage Plans will serve your needs. However we can identify which plan is better for you by talking about a few of your needs. The first thing is that a Supplement Plan will provide you access to any doctor throughout the United States whereas an advantage plan will make you sign up for a San Diego network of doctors.  you can think of a Supplement Plan as a really robust PPO plan with access to every doctor in America for an in-network cost. you can think of an advantage plan as having an HMO network of doctors that you need to stay with him to make sure your care is handled a proper out-of-pocket cost for you.  

supplement plans are a little bit more expensive because of that robust network of doctors and because most of your out-of-pocket costs will be covered immediately after a small deductible. advantage plans are usually a lot less expensive than the supplement plans because the carriers get unique and creative about how they handle their services so they can better serve you and save money while doing it. In an effort to save that money they will pass along the savings to you the insured by covering your plan at a very inexpensive cost sometimes only a few dollars a month. advantage plans are also unique because they can bundle dental and vision services as well as your prescription drug services so you are at a One Stop Shop for all of your medical needs for only a few dollars a month.

if you want access to doctors throughout the United States and you want that strong PPO in network plan you could select the Supplement Plan and be confident because all of your cost will be covered and you will not be at risk of seeing an out of doctor Network and you can always feel confident that you will have the best health insurance available to you.

if you want your prescription drugs and your medical needs and your dental and vision insurance all bundled in at a low low cost for you the insured and you want to feel confident that you can go see the doctors that you want to see that are in network with that plan I suggest you select an advantage plan.

as always it is best that you speak to us the Medicare professionals.  we can evaluate your knees and make the best decision for your health insurance.  the service to speak with us healthy marks Medicare professionals is free to you and the health insurance carriers support our services so that we can make sure you enroll in the right plan.

Supplement Plans in San Diego and their Costs

    • What is the typical Monthly Premium for a Supplement plan in San Diego?

        • Supplement plans are paired with Original Medicare and a Part D Prescription Drug plan.  So remember that you'll first pay the $144.60 for Original Medicare each month and then you'll add on the costs for the Supplement Plan and the Prescription Drug plan.

        • Plan F was the most popular Supplement plan because it had a $0 deductible.  However, now the best plan is Plan N with a $185 deductible.  This deductible is a reduction the Original Medicare Part B deductible of $1408.  

        • Supplement Plans come in many sizes from like Plan A B C G J K L N.  However, the best one is Plan G because it covers the most services without out of pocket costs except the $185 deductible.

      • ADD photo of Area 2 Rates for Supp plans monthly cost.

What Services are Covered by Supplement Insurance plans like Plan G here in San Diego?

    • Supplement Plans Cover the costs for Services offered by Original Medicare

      • Original Medicare offers services for hospital stays and inpatient care. However, you pay a lot out of your own pocket without additional coverage. Supplement covers the costs not covered by original medicare. These services include skilled nursing facilities or nursing homes and critical access hospitals and critical care hospitals. 

    • Will I have co-pays or deductible costs paid out of my own pocket with a Supplement Plan?

      • The Medicare Part A deductible has a large $1,408 in 2020 deductible.  With the Supplement Plan G, your deductible is reduced to $185.  You will likely not see any out of pocket costs after paying your deductible because these Supplement Plans are so robust in coverage.

      • Foreign Travel Care and Out of US Travel Coverage

        • Medically necessary emergency care is covered for the first 60 days you leave the United States.  However, you'll be responsible for the first $250 of your care overseas.  If more care is necessary, you will likely need to return home to ensure your care is covered.  It is nice to know that you will be covered for any accidents you may experience while traveling out of the country.

      • Home Health Care

        • Supplement Plan G will cover all your home health care costs after you pay your $185 deductible.

      • Medical Expenses In or out of the hospital

        • You will pay no out of pocket costs after your deductible with Plan G.

      • ​Hospice Care and Skilled Nursing

        • San Diegans have access to great hospice care and skilled nursing facility care.  You will pay nothing out of your own pocket if you have Plan G

      • Hospitalization​

        • You will pay nothing out of your own pocket if you are hospitalized with Plan G.

      • Visiting a Primary Care Doctor​

        • With a Supplement plan you can choose from almost any doctor in America because these Supplement plans are so widely accepted.  You do not need referrals to see Specialist Doctors.  These services will likely be covered without cost to you the insured.​

As you can see, the benefit of having a Supplement plan is knowing exactly how much you will pay for all of these service and you can be confident that they will be covered without problem.  Plan G is the best because after your deductible you will never pay out of your own pocket.

Prescription Drug Coverage and Dental and Vision Insurance options with a Supplement Plan

although supplement plans do not cover your vision or dental insurance you still have many options to get that coverage when you sign up for a Supplement Plan. For example UnitedHealthcare provides tons of dental and vision insurance provided through AARP. And Blue Shield will always allow you to sign up for their dental and vision plans during the enrollment process with any of their supplement insurance offerings.

these additional dental and vision insurance plans are optional but do have additional costs associated with them.

prescription drugs are not covered by the supplement plan but everyone has the option to pair a prescription Part D plan with their supplement insurance. Our healthy marks Medicare team pride ourselves in the ability to pair you with the best prescription drug plan for your needs. our team is able to take the prescriptions that you take and find the least expensive plan that will cover your prescriptions at the best costs.

​so although your supplement insurance service does not provide access to dental vision or prescription drugs our healthy Mark's team will make sure you get all of the services bundled together so you know that you've got all the coverage you need right off the bat.

Advantage Plans in San Diego and their Costs

    • What is the typical Monthly Premium for an Advantage plan in San Diego?

      • While supplement plans are straightforward Advantage Plans can be much more complicated.  advantage plans are unique in the fact that carriers will bundle all their services but be creative about how they cover those services and which doctors you're able to.  For this reason you will likely be able to sign up for an advantage plan that is only a handful of dollars each month.  I'm talking as low as single digits out of your own pocket each month for your premium on an Advantage plan.  however we don't want to select the least expensive plan we want to select a plan that matches your needs. And here at healthy marks that is exactly how we have created an amazing business by pairing the right plans with the right people here in San Diego.
      • Yes, these Advantage plans have deductibles and out-of-pocket costs. However I cannot tell you now what those deductibles will be because each plan is unique. If you are looking for a plan that covers most of your costs and you are welcome at the network of doctors that this plan has selected and you will now have your dental and vision and prescription drugs covered all together than this type of plan may be for you.

What Services are Covered by Advantage Insurance plans here in San Diego?

    • Similar to both Original Medicare and Supplement Plans, all of your hospital stays and inpatient care is covered.  You will need to stay in network with the Advantage plan. 

    •  

    • you can expect to have access to emergency foreign travel care when you go outside the United States, home health care as well as Hospice Care in skilled nursing. You can expect that all of your medical expenses in or out of the hospital will have some coverage whether or not you have to pay co-pays or deductibles. You can ensure that you can visit primary care doctors as well as a specialty doctors.​

Dental Vision and Prescription Drug Coverage is Bundled with Advantage Plans

    • the major reason people will select an advantage plan is because they can bundle their medical dental vision and prescription drug coverage all into one plan. Plus this plan is going to be extremely inexpensive for the insured because the government and the health insurance carrier like Blue Shield or United Healthcare has created a unique plan that's going to cover you at inexpensive costs. These costs are then passed along to you the insured. So if you want to bundle all of your services into one plan including all of these additional coverages you should select an advantage plan.

  • ​it is important to remember that the supplement insurance plans are better because you will have less out-of-pocket costs when you visit a doctor or have medical needs. Advantage plans are a little better because they do bundle these services for a less expensive cost.

Should I pair my Original Medicare with either a Supplement Plan or Advantage Plan here in San Diego?

YES!  You should absolutely pair your Original Medicare plan with additioanl coverage.  Do not sign up for Original meicare and thnk you have completed the process.  You will be much better off if you pair it with addtional coverage.  

​do not go this decision alone. Healthy marks has a team of professional Medicare experts who are designed to help you better understand your Medicare options so you can select the best plan for you and your family. Our team is excited to talk to you about your medical needs and do not hesitate to give us a call so we can provide you with any information you need to select the best supplement plan or Advantage plan here in San Diego for you.

To learn more, please visit our home page at HealthyMarks.com

© 2020 by HealthyMarks Insurance Services

Keaton Marks License #0L47187

760-484-0979    -    San Diego

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