Image credit: Tripadvisor
Supplemental Medicare Plans in Carlsbad, CA
As a resident of Carlsbad, you have many options for your Medicare supplemental plan. There are over 80 different plans to choose from in San Diego County. Most people choose to either get a Medicare Advantage plan or a Medicare supplement plan (aka Medigap plan). The plan that you choose should be the one that best fits your needs and preferences.
Also, it is important to get information from an unbiased source. A lot of agents that sell Medicare plans only represent one company like UHC or Care 1st. I am independent and work with ALL companies and plan types in San Diego County.
Medicare Advantage Plan Options in Your Area
There are over 20 different Medicare Advantage plans offered in Carlsbad, CA. Each plan offers different coverage and benefits. For example, some plans offer dental and vision coverage in addition to the core Medicare supplemental coverage. In addition, co-payments and deductibles can vary widely between plans.
The two most popular types of Medicare Advantage plans are HMO plans and PPO plans. PPO plans allow you to see any doctor within the specific network you belong to, without the need of a referral. PPO plans also generally offer more flexibility but often have higher co-payments and deductibles than HMO plans.
If you choose an HMO plan for your Medicare coverage you will have to pick a primary care doctor and if you need to see a specialist you are required to get a referral from your primary care doctor.
Prescription drug coverage (Part D), is almost always included in an Advantage plan. This can make things much easier as you don’t have to worry about finding an Rx plan in addition to your Medicare coverage.
Before you sign up for a plan it is important to have a consultation with an independent broker, so you learn exactly what is available and what plan will be the best fit for your unique needs and preferences.
Is a Medigap Plan The Best Fit For You?
There are 12 standardized Medigap plans to choose from, lettered A-N. Medigap plans feature the following when compared to a Medicare Advantage plan:
- No networks or referrals
- $0 co-payment and $0 deductible
- Accepted anywhere in the country that takes Medicare
- Guaranteed renewable for life
- Higher monthly premium vs. a Medicare Advantage plan
- No RX coverage
For some folks a Medicare Advantage plan is is the best fit and for others, a Medigap plan is the right option. It really depends on your needs and preferences. If you travel out of the state often or need access to certain specialists, a Medigap plan will probably be a better option. On the other hand, if you don’t have a strong need for specialized care or simply can’t afford to pay a higher premium than a Medicare advantage plan will most likely be a better option for you.
Why Choose Me As Your Medicare Insurance Broker in Carlsbad, CA?
I work with ALL the carriers and plan types in San Diego County. I am not married to any one company and can show you every option that is available when it comes to choosing the right Medicare plan. During our initial free Medicare consultation, I will first make sure all your questions are answered in regards to Medicare and then I will determine what your unique needs and lifestyle preferences are.
Do you travel out of the state often?
Do you have a preference in what doctor or specialists you see?