California Medicare Insurance & Supplement FAQ

Q: What is a Medicare Supplement plan?
A: A California Medicare Supplement insurance plan helps cover the "gaps" in coverage that are left unpaid after Original Medicare pays its portion of your health care expenses.

Q: Can you help me compare Original Medicare to the Medicare supplement, PPO, or HMO plans?
A: Yes. Visit our California Medicare Supplement Plans section.

Q: What should I consider when purchasing a Michigan Medicare Supplement Insurance Policy?
A: Be sure that you understand how it works with your original medicare plan and the it minimizes you out of pocket expenses. For more information or call us 1-800-550-0155 and we'll help you find the right plan.

Q: Why should someone buy Medicare Supplement Insurance?
A: There are out-of-pocket costs not covered by Medicare and Medicare Supplement Insurance policy may fill these gaps.

Q: Does is cost me anything to work with California Medicare Plans?
A: No. The insurance carrier you select, will compensate California Medicare Plans for servicing you. You are NOT charged in an increase premium for working with an agent.

Q: Will a Medicare Supplement cost less if I purchase it with an insurance company instead of California Medicare Plans?
A: No. California Medicare supplement rates are regulated by the federal government. Because of this your rates will be same for the same plan whether your purchase it through us or the insurance carrier. At California Medicare Plans we take pride in being knowelegable in the A-Z of medicare so give us a call at 1-800-550-0155 and will help you sort through your options.

Q: Can I keep my current doctor?
A: As long as your doctor is Medicare provider you should be able to keep seeing them becuase Medicare supplement insurance companies do not have networks.

Q: Do I need more than one Medicare Supplement policy?
A: No. It is illegal for insurance companies to sell you more than one policy.

Q: Will a Medicare Supplement plan cover me if I have a preexisting condition?
A: Possibly. Insurance companies will usually ask for proof of prior coverage before offering coverage for conditions. However, there some instances where this is not necessary to provide coverage from pre-existing conditions. Give us a call at 1-800-550-0155 so when can help you find coverage to cover your health conditions.

Q: What can I do if I'm declined for a Medicare Supplement Plan?
A: No two insurance companies have the same underwriting standards. So, if you are declined we can simply review you application and submit it to different insurance company. At California Medicare Plans we pay attention to detail and try to do it right the first time to avoid this situation.

Q: Can my Medicare supplement insurance be terminated for any reason?
A: No.The Federal Government provides protection against this happening. However, an insurance company can terminate your coverage if you fail to pay your premiums, if there are any omissions or misrepresentations on your application, or the insurance company becomes insolvent.

Q: How long must I keep my Medicare Supplement plan before canceling?
A: Medicare supplement insurance companies are a month-to-month contract. So you cancel at anytime.

Q: Where can I get more information about California Medicare Advantage plans and my Social Security benefits?
A: For more Medicare information you can call us at 1-800-550-0155 or visit the sites below.

Centers for Medicare and Medicaid Services
7500 Security Blvd.
Baltimore, MD 21244-1850
1-800-633-4227
TTY 1-877-486-2048
24 hours a day; seven days a week
www.medicare.gov

Social Security Administration
Office of Public Inquires
Windsor Park Blvd.
6401 Security Blvd.
Baltimore, MD 21235
1-800-325-0778
TTY 1-800-325-0778
7 a.m. - 7 p.m.
www.ssa.gov