California's medicare supplement medigap quote - Blue Cross and Blue Shield


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  California Medicare Supplement Best Value

Medicare supplements are standardized by the government so there are two major criteria:  Company stability and monthly premium.  As an independent insurance broker, our main goal is to alert our clients to the best value taking in to consideration the above concerns.


Medicare Supplement Bulletin

85% of Medicare Supplement applicants choose the F plan.  

The first question when choosing a company is stability
With any kind of insurance, what you buy today might not be what you have tomorrow.  If an insurance carrier runs into financial trouble, they can increase rates, leave the area or business...either way you lose.  In the next 3-5 years, a lot of carriers will have difficulties because of the increasing costs.  Lifeguard just filed for Chapter 11.  Health Plan of Redlands went bankrupt early this year.  Pacificare (Secure Horizons) has had a rough few years resulting in them pulling of multiple counties all together.  A strong carrier is the first concern.  That being said, Blue Cross of California is by far the strongest carrier.  They are owned by a company called Wellpoint which has been voted the most admired health care company in the nation 3 years in a row.   Stability of the company means rate stability and coverage reliability in the future.  In terms of current prices, AARP has one rate for all age bands so younger people are penalized in that they are supporting the costs for older members.  Blue Shield has a two 1/2 year age band so the average over Cross' 5 year band is quite a bit higher.  
 The second question when choosing a Medicare supplements is RX
Do I want medication coverage?  This single handedly affects the cost more any other consideration.  If you want medication costs covered, then you would look at the I or J plan.  If you do not, then most people choose the F or Smart Choice plan.  The only difference between the I and J for prescription coverage is the cap they will pay up to.  Both have a $250 deductible, after which they pay 50%.  The I plan will pay up to $1,250/year.  The J plan will pay up to $3,000/year.  The I plan is a nice way to have some RX coverage at a lower cost.
IF you do not want prescription coverage.
The F plan or the Smart Choice is the most popular plan and best value.  The difference is that the Smart Choice has a $1,730 annual deductible that must be met before the plan goes 100% for Medicare eligible expenses.  Medicare is still paying 80% but you will pay the 20% until you have met the $1,730.  The F plan has no deductible.  
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