Medicare is a Federal Health Insurance program administered by the Centers for Medicare and Medicaid Services, a division of the U.S. Department of Health and Human Services, for those who are 65 or older or certain people with disabilities. At Sanguinetti & Co. Insurance Brokers/Mark Twain Insurance Services, we can provide Medicare Supplemental plans to cover the remaining costs that Medicare does not. Our agents are certified and knowledgeable about the details of the many plans available, including the enrollment guidelines associated.
Original Medicare will not cover 100% of your medical costs. The missing piece is up to you. Our agency has access to the lowest premium priced plans and we have established long-standing relationships with top carriers like Health Net, AARP United Healthcare, Anthem Blue Cross, Blue Shield, Aetna, Cigna, Humana, and more.
We take the time to meet with our customers in a one-to-one setting so that we can fully assess their needs and create a coverage plan that will eliminate gaps. There are no open enrollment periods for Medicare Supplements. A customer can switch plans at anytime during the year with a guaranteed acceptance if he or she switches from one company to another with the same plan during their birthday month. We also offer Prescription Drug Plans (Part D) for those who are aging into Medicare and during the annual enrollment period October 15, 2018 through December 7, 2018.
As a local agency, we are accessible to our clients through in-person appointments, phone calls, or email. Our team has 35 years of experience working with this coverage and fully understand the details of Medicare Coverage. If a customer has their individual health plan with our agency and are aging into Medicare, we can aid in answering questions about the difference in coverage and how Original Medicare and Medicare Supplements work together. We also do not charge broker fees on Medicare Supplements and we have no appointment fees either.
We proudly serve San Joaquin County, Calaveras County, Stanislaus County, Tuolumne County, and surrounding areas throughout California. Call or contact us today to learn more about this coverage. If you would like to get started on a plan, request a quote.
Q: If I have Original Medicare and add a Medicare Supplement, do I need to continue to pay my monthly premium for Original Medicare?
A: Yes. Original Medicare pays for 80% of member medical and hospital expenses. The remaining 20% is the member’s responsibility. This is where the Medicare Supplements come into play. Medicare Supplements help to cover up-to 100% of the remaining costs or less, depending on the plan selected. Plan F is a premium only plan and the most popular. No deductible, no coinsurance, and no copays.
Q: When Can I Make the Switch?
A: There is no open enrollment period for Medicare Supplements. A customer can switch plans at any time during the year with a guaranteed acceptance if he or she switches from one company to another with the same plan during their birthday month.