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Open Enrollment - NOW to 3/31/2008

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. Click here for Medicare's Booklet on How to Choose a Medi-Gap Plan  Get Medi-Gap Quotes and Apply ONLINE Part D - Rx Prescriptions

Medicare Advantage Plans often include Dental  and have NO premiums.   Scroll down for details from various Insurance Companies and HMO's

It's best to apply when you turn 65 for the supplement plans or advantage plans, as that's when the "Open Enrollment" is, guaranteed issue for any plan. 

The Advantage Plans have an "Open Enrollment" when you turn 65 and 1x/year, now till 3/31/2008.  More info from CalMedicare.org  

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

Medical Bills are increasing Seniors Credit Card Debt

Health Net  

BLUE SHIELD

 Medicare Plans   Plan A   B C D F K Plans At-a-Glance Summary of Benefits (SOB)2007  PaperApplication  What situations allow for Guaranteed Acceptance? Dental Medigap rates will not change until April of 2008 and the benefits remain unchanged.  The Medicare Advantage Plans should be available around 11/1/2007. 

Blue Shield Medicare Advantage HMO No Premium, $5 Doctor Visits  Blue Shield 65 Summary of Benefits 44 Pages 2008 Formulary Part D Rx

Click here for Blue Cross of California's  Plans 

Pre Age 65 Medi Gap Plan

Consumer Links

Guide to Health Insurance for People with Medicare.how to choose a medi gap policy How to choose a Medi-Gap Policy from Quotit

Compare 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.

Home Health Care in CA - CHCF Site

calmedicare.org

Questions & Answers on Social Security - Medicare's Website

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  Article 6.  Medicare Supplement Policies  §10192.1-10192.23

(Article 6.5.)  Seniors Health Insurance Disclosure  §10195.1-10195.8

Rules on changing Medicare Advantage Plans Medicare Website

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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