Medi-Gap  (Medicare Supplements) pay the medical expenses that Medicare Part A (Hospital) and Part B (Doctor) don't.  They generally do not pay for long term (nursing or home) care, nor does Medicare. Medicare Advantage Plans often include Dental Part D - Rx Prescriptions  and have NO premiums. It's best to apply when you turn 65 for the supplement plans or advantage plans, as that's the main "Open Enrollment" period, guaranteed issue for any plan.  Medicare Advantage Plans also have an annual open enrollment.

Click here for more info from:
Health Net
Blue Shield
Blue Cross of California'  

We also have plans if you have Medicare and you are under 65

Medical Bills are increasing Seniors Credit Card Debt

Dental

Health Net BLUE SHIELD Blue Cross of California'  

Pre Age 65 Medi Gap Plan For those who qualify for Medicare early

Consumer Links

Medicare's Guide to Medi Gap Coverage
How to choose a Medi-Gap Policy from Quotit
 

Medicare's Comparion Tool for ALL Medicare Advantage & Supplement - Medi-Gap Plans - Do NOT sign up ONLINE - call or email us or click here and we will get you enrolled.

Explanation of  Medicare  2009  120 Pages 

Home Health Care in CA - CHCF Site

Cal Medicare.org

FAQ's Questions & Answers on Social Security - Medicare's Website

Open Enrollment Definition

Guaranteed Open Enrollment CA Health Advocates.org/

Medicare Plans Glossary  from Gorman Training

Steve's Certification for Medicare Advantage Plans

Technical & Research Links

CA Insurance Code §10192.11 (h) An individual shall be entitled to an annual open enrollment period lasting 30 days or more, commencing with the individual's birthday, during which time that person may purchase any Medicare supplement policy that offers benefits equal to or lesser than those provided by the previous coverage.

Calif. Insurance Code relating to Medi gap  Policies  §10192.1-10192.23

Seniors Health Insurance Disclosure  §10195.1-10195.8

Rules on changing Medicare Advantage Plans Medicare Website

Medicare Modernization Act Wikipedia

AHIP Medicare Health Plans (MA) Agent Training Slides

AHIP Medicare Advantage Plans including part D Rx Training Slides
Enrollment Guidelines

Medicare Marketing Guidelines CMS.HHS.gov

Election Periods and Ranking

Medicare Open Enrollment

When you can use Open Enrollment

The Annual Coordinated Election Period (AEP) runs from November 15 through December 31 each year.  During this time beneficiaries may change prescription drug plans, change Medicare Advantage plans, return to original Medicare, or enroll in a Medicare Advantage plan for the first time.  Enrollment changes take effect on January 1. Medicare Acronyms

General Enrollment Period (GEP) Medicare beneficiaries who did not enroll in Part B when they first became eligible for Medicare may elect Part B coverage during the General Enrollment Period, which extends from January 1 through March 31 each year.  Enrollment becomes effective on July 1 of the same year. Medicare Acronyms

The Open Enrollment Period (OEP)  provides Medicare beneficiaries with one opportunity to enroll in, disenroll from, or change a Medicare Advantage plan.  Like the General Enrollment Period, the Open Enrollment Period extends from January 1 through March 31 each year.  Unlike enrollment in Part B, the change in Medicare Advantage enrollment or disenrollment becomes effective the month after the change is made. Medicare Acronyms

Special Enrollment Periods (SEP) allow beneficiaries to make an enrollment change outside of the GEP, the AEP, the OEP and the L-OEP.  Medicare Acronyms

Limited Open Enrollment Period (L-OEP) Ended July 31, 2007

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http://www.ahip.org/

http://www.ahip.org/