When Can I Change My Medicare Plan?

Georgia seniors ask, “When can I change my Medicare plan?”. Which Medicare supplement plan is best? How do I find the best rate for when can I change my medicare planMedigap plan F? Instant free quotes. Compare Medigap costs in 60 seconds. PLUS get access to our FREE report showing ALL rates and plans based on your age and zip.

Can I change my Medicare plan?

The short answer is, you are eligible to buy a new plan or change your Medigap plan at any time. Unlike Medicare Advantage plans, there are no annual enrollment periods.

The best time to buy or change your Medigap plan is when you initially sign up for Medicare Part A and B which usually occurs at age 65.

You also have guaranteed issue rights to buy a Medicare supplement plan.

Before asking “Can I change my Medigap plan?” you should compare Medigap costs.

Shop and compare Medigap costs

Ignore the hype. All Medicare supplement plans with the same letter are identical in every way except premium. Click the image below to shop and compare Medigap costs. Instant free quote.

shop and compare medigap costs

When you pay more you don’t get more, you simply paid too much.

Which Medicare supplement plan is best?

Medicare supplement plans have standardized benefit structures. Once you pick a plan design that fits your needs, the only other consideration is can you find a plan to fit your budget?

How do I find the best rate for Medigap plan F?

The easiest way is to shop and compare online, but you probably will not see the best rates. Many Medigap carriers do not allow their rates to be published online.

How do you know plan F is best for you?

Did you know that almost 70% of Georgia seniors buy Medicare supplement plan F simply because that was the only plan that was explained?

If you wanted to buy a car, and the salesman only showed you 4 wheel drive SUV’s, would you be satisfied?

Most of my clients NEVER buy Medigap plan F. Do you know why?

Bob Vineyard and Georgia Medicare plans have access to rates from some of the lowest cost plans in Georgia. Ask for a personalized Medicare supplement quote.

Final notes

If you have Medigap plan F, you definitely should consider making a change in your Medigap plan.

When you bought your Medigap plan, did you buy from Blue Cross, Mutual of Omaha or United Healthcare (AARP)? If so, you probably are paying too much.

Maybe you bought a Medicare Advantage plan. The low premium seemed like a good idea at the time. The REAL cost of an Advantage plan is how much you pay when you receive medical care.

Advantage plans are great until you use them.

Can I change my Medigap plan?

You decide.

#CanIChangeMyMedigapPlan

#Age65EnrollInMedicare

#Age65SignUpForMedicare

#GAMedigapQuotes

#GAMedigapRates

#GeorgiaMedicareSupplementRates

Blue Cross Medicare Supplement Plans 2017

Georgia Blue Cross Medicare supplement plans from Anthem. What’s new for 2018? SILVER SNEAKERS. How do their Medigap rates look? If you are turning 65 is a Medicare supplement plan right for you? Should you switch from my current supplement plan to Blue Cross? Do I have to wait until open enrollment or can I change plans now? How difficult is it to swap my current Medicare supplement plan for one with BCBSGA/Anthem?

Anthem Blue Cross introduced new Medicare supplement rates for 2018. Some rates went up. Others went down. Anthem is offering Medigap plans A, F, G and N. You must be enrolled in Medicare Part A and Part B to purchase a Medicare supplement plan.

Should you switch plans or keep what you have? Questions? Just give us a call. You will never hear Press 1 for English.

 

2017 Blue Cross Medicare Supplement Surprises

Bob Dylan said “The times are a-changin'” and that is true for the Georgia Blue Medigap plans. Here are some of the things you can expect.

  • Silver Sneakers now available on all BCBSGA Medicare supplement plans
  • There are NO networks. Use any provider in the state or nationwide
  • NO medical underwriting if applying within your initial enrollment period
  • Medicare supplement plan G has returned
  • Rate discounts may apply if other household members are insured by Blue
  • New rate guarantee

How does this differ from the “old” Blue Cross plans? What is unique about BCBS supplement plans vs. what I can get from other carriers? What do I need to know that you aren’t telling me?

New and Improved or Just a New Look?

Don’t you hate it when products come in a new package and the bold print says “NEW LOWER PRICE!“? Looking closer you find the price is lower but you are also getting less. Has Blue Cross reinvented the Medicare supplement plan or is it the same as before, and just like everyone else?

The take away.

  • Silver Sneakers has always been available on BCBSGA Medigap plans
  • All Medicare supplement plans allow you do use any doctor or hospital. There are NEVER any networks
  • Every Medigap carrier must issue a policy to anyone who applies during their initial enrollment period. No one can be turned down.
  • Blue offered plan G for many years, then dropped it (along with Hi F) in 2015
  • Household discounts are available from most supplement carriers
  • The initial rate guarantee is only new to Blue Cross. Almost every other carrier has been doing this for years.

As the song goes, “Everything old is new again”.

 

The Take Away

Should you buy a Medicare supplement plan from Blue or not? How about changing from the plan you have now?

As with all other decisions about Medicare, the answer is “it depends”.

No one can tell you which plan is best for you. Only you can decide on the path and coverage that fits your needs and budget.

Here is all you need to know about the 2018 Anthem Blue Cross Medicare supplement plans.

  • They have the same plans other carriers have, just fewer choices
  • All supplement plans with the same assigned letter are identical in every way except the premium.
  • Don’t believe me? Look it up in the 2017 Medicare and You handbook. Page 81 under Medigap Policies Are Standardized.
  • Any doctor that accepts Medicare will also take your Medigap plan, regardless of the issuing carrier. Blue Cross hasn’t cornered the market on doctors.
  • After your initial 12 months Blue Cross can change your rates at any time with 60 days notice
  • Your renewal premium may increase because of increases on all BCBSGA plans plus higher rates due to age change
  • Most other GA carriers have offered plan G for years. This is the first time in 2 years that Blue has made plan G available. Will they continue to offer it or will it go away again?
  • What happens when a plan is discontinued? Most of the time the rates increase at a higher rate than plans that are still offered

Enroll Direct Today

If you want to compare 2018 Blue Cross Medicare supplement plans and rates direct with Blue you can. Review BCBSGA Medigap plans and rates and apply direct. Here you will see Anthem Blue Cross plans A, F, G and N.

You can also see how Blue compares to other GA Medigap carriers. Follow this link to shop and compare GA Medigap plans side by side. At this site you will see about a half a dozen plans from roughly eight carriers. Far less than the 240+ different options available with a detailed report from Georgia Medicare Plans.

Feel free to call and discuss and questions you may have about Medicare. We will quote rates right over the phone and email a report showing all carriers that offer that plan in your area.

 

#AnthemBlueCrossGeorgiaMedicareSupplement  #GeorgiaMedicareSupplementRates #SilverSneakers

Blue Cross Georgia Medigap

Instant online Anthem Blue Cross Georgia Medigap plans and Medicare supplement rates. Compare Anthem Blue Cross Georgia Medigap rates to Aetna, Mutual of Omaha, Gerber,  and other Medicare supplement plans.

GA Medigap rates

bcbsga

Click to compare Blue Cross Georgia Medigap Rates

 

Post summary

  • Blue Cross Georgia no longer offers Medigap High Deductible F
  • All plans with the same letter are identical except for the premium
  • Instant online quotes
  • Compare multiple plans side by side
  • Your information is never sold
  • Over 240 different Medigap plans statewide in Georgia

Georgia Medicare Plans offers GA seniors access to instant online Blue Cross Georgia Medigap rates as well as personalized quotes.

Blue Cross Georgia Medigap Plan Rates

Blue Cross Georgia offers only 3 different Medicare supplement plans . . . A, F, G and N.

Anthem Blue Cross Georgia Medigap plan A does not cover skilled nursing facility coverage, your Medicare Part A or Part B deductibles.

Blue Cross Georgia has affordable Medicare plans, especially for those age 75 and older. You coverage is guaranteed renewable for life.

There is no paper work, no claims to file. Your medical provider will file your Blue Cross Georgia Medigap claims for you.

When you have original Medicare and a BCBSGA Medigap plan you have access to over 16,000 Georgia doctors and more than 200 hospitals.

Anthem Blue Cross Georgia Medigap plans do not cover outpatient prescription drugs. For that you will need to purchase a separate Part D drug plan.

 

Modern Medicare Plans are Standardized

BCBSGA modernized Medicare plans include all government mandated benefits including preventive care. Medicare preventive services include diabetes screening, immunizations, glaucoma testing, mammograms and pelvic screening. Click on the Medicare link for a complete list of covered Medicare preventive benefits.

All Anthem Blue Cross Georgia Medicare supplement plans fill the gaps in claims approved by Medicare but not paid by Medicare Part A and Part B.  Medicare has deductibles, copay’s and coinsurance. Your BCBSGA Medicare supplement plan covers expenses considered medically necessary by Medicare.

When you have a BCBSGA Medicare supplement plan you do not need a referral to see a specialist. Your policy can never be cancelled except for non-payment of scheduled premiums.

Your 6 month open enrollment window begins the first day of the month when you are age 65 and your Medicare Part B coverage is effective.

Georgia Medicare Plans has instant Blue Cross Georgia Medigap rates from major carriers for GA seniors age 65 and older.

 

#AnthemBlueCrossMedicareSupplementRates #AnthemBlueCrossMedigapRates #BcbsMedicareSupplementRates #BcbsMedigapRates #BcbsgaMedicareSupplementRates #BcbsgaMedigapRates #MedicareSupplementRates  #GAMedigapRates

BCBSGA Medicare Supplement

Find instant BCBSGA Medicare supplement Anthem rates and plans.

Shop and compare Blue Cross Medigap rates to Mutual of Omaha, Humana and more. Click to compare plans instantly.

Free Instant Quotes. View up to 40 plans in 60 seconds or less at GA Medigap Quotes.

 

BCBSGA Medicare Supplement Plans

Georgia Medicare Plans offers GA seniors access to instant online Medigap rates as well as personalized quotes.

 

Click Now to View Anthem BCBS Medicare Supplement Rates

BCBSGA Medicare Supplement Rates

 

Anthem/Blue Cross offers 4 different Medicare supplement plans . . . A, F, G and N.

All BCBS Medigap plans now come with Silver Sneakers and an initial 12 month rate guarantee.

Silver Sneakers

Anthem/BCBSGA Medicare supplement plan A does not cover skilled nursing facility coverage, your Medicare Part A or Part B deductibles.

 

Affordable – Easy Enrollment

BCBSGA Medicare supplement plans are affordable, especially for those age 75 and older. You coverage is guaranteed renewable for life.

There is no paper work, no claims to file. Your medical provider will file your BCBS Medigap claims for you.

When you have original Medicare and a BCBSGA Medicare supplement plan you have access to over 16,000 Georgia doctors and more than 200 hospitals.

Blue Cross Medigap plans do not cover outpatient prescription drugs. For that you will need to purchase a separate Part D drug plan.

BCBSGA modernized Medicare plans include all government mandated benefits including preventive care. Medicare preventive services include diabetes screening, immunizations, glaucoma testing. Also mammograms and pelvic screening. Click on the Medicare link for a complete list of covered Medicare preventive benefits.

BCBSGA Medicare supplement plans fill the gaps in claims approved by Medicare but not paid by Medicare Part A and Part B.  Medicare has deductibles, copay’s and coinsurance. Your BCBSGA Medigap plan covers expenses considered medically necessary by Medicare.

 

Any Medicare Provider – No Networks – No Referrals

When you have a BCBSGA Medicare supplement plan specialist referrals are not needed. Your policy can never be cancelled except for non-payment of scheduled premiums.

Your 6 month open enrollment window begins the first day of the month when you are age 65 and your Medicare Part B coverage is effective.

Georgia Medicare Plans has instant Medigap rates from BCBS and other major carriers for GA seniors age 65 and older.

Shop and compare Blue Cross Georgia Medicare supplement plans. Instant rates. Compare plans. Enroll direct. Click now to enroll.

 

#BlueCrossMedicareSupplementRates #BlueCrossMedigapRates #SilverSneakers #BcbsMedicareSupplementRates #BcbsMedigapRates #BcbsgaMedicareSupplementRates #BcbsgaMedigapRates #MedicareSupplementRates  #GAMedigapRates

Anthem Blue Cross Hacked

Anthem Blue Cross recently made headlines but for all the wrong reasons. A “sophisticated” attack on their computer systems exposed millions of customer personal data to hackers. Current and former customers names, addresses, Social Security anthemnumbers, dates of birth and other personal information may be in the hands of the bad guys.

Most people think of identity theft as a source for opening fraudulent lines of credit in the consumers name, but this time it may be more ominous.

What Anthem isn’t saying about this breach that could hurt them more than it does you.

 

Anthem hack and fraud

No doubt the breach at Anthem is serious. Exactly when the attack occurred and what was stolen has not been completely revealed.

passwordMost hacks are discovered by accident and often it is long after the attack. It is not unusual for a company to state they have never been hacked but the real question is, how do they know?

Unless one of their IT people stumble across suspicious activity, or clients complain about fraudulent activity, the company may not be aware of a problem.

I am not suggesting this is the case with Anthem, just making a general (but informed) comment.

 

How bad is it?

We don’t know, and possibly neither does Anthem. Much depends on how the breach was discovered and how often they  backup their web traffic.

Exactly how many people are affected wasn’t immediately clear. The database that was infiltrated contained records for 80 million peoplepersonal data file

The company is still investigating exactly how many records were actually stolen but, “at this point we believe it was tens of millions,” said Cindy Wakefield, an Anthem spokeswoman.

If the entire file was taken it would be “the largest health care breach to date,” said Vitor De Souza, a spokesman for Mandiant, the computer security company Anthem has hired to evaluate its systems. – USA Today

80 million records.

That’s a bunch.

How far back does the data go? Five years? Ten? Twenty?

Anthem isn’t saying.

 

What this means to you

Anthem has released a public statement about the situation and will be offering a credit monitoring service for their current (and presumably former) policyholders. What was stolen?

They don’t know (or aren’t saying) but it could include the following:

Hackers had gained access to the company’s computers and that their names, birthdays, Social Security numbers, addresses and employment data including income.

The logical path most consumers will take is wondering if someone will try to establish a line of credit with their information. Data monitoring services can certainly track that and there is a good chance you won’t find someone in Bangladesh buying a car in your name.

health care fraudThe more likely use of this data will come in the form of medical identity theft.

Hackers can use the Anthem data to print fake health insurance cards and Medicare cards. This kind of theft is more difficult to track and much more lucrative than applying for a Nieman-Marcus card in your name.

Credit cards have upper limits of anywhere from a few hundred to several thousand dollars. Once the card is used the fraud is exposed and the card is shut down.

But a health insurance ID card or Medicare card has an unlimited line of credit that can’t be tracked by credit monitoring services.

It is easy enough for a thief to make a new Bob Vineyard Anthem Blue Cross card and pay a street person $20 to pretend they are me, walk into a clinic and get a prescription for drugs. Take the prescription to a pharmacy that is in on the scam, fill the order, then sell the drugs on the street.

Things like this happen every day.

But once Anthem gets wind of a bunch of fake Bob’s getting fake medical care to buy real drugs all Anthem has to do is cancel that card and issue a new one with a new ID number.

But if the crook makes a fake Medicare card the theft is more difficult to detect. Even worse, since your Medicare number is also your Social Security number don’t expect Medicare to cancel the card. If you are on Medicare and have a supplement plan through Anthem claims filed with Medicare automatically are filed with Anthem once Medicare approves the claim.

If you have an Anthem Advantage plan the fraudulent claims are filed with Anthem for processing.

 

What you can do to protect yourself

You can take advantage of credit monitoring services. You can also freeze your credit. These steps should prevent most routine identity theft situations.

For medical identity theft you need to be proactive. computer hacker

If you are a current or recent Anthem policyholder check your online claim reports on a weekly basis for the next few months. Report any suspicious claims to Anthem.

If you are on Medicare and have an Advantage plan with Anthem, log into your account to monitor and report fraudulent activity.

For your Medigap plan through Anthem log into MyMedicare.gov on a regular basis and report suspicious activity to HHS

Georgia Medicare Plans has a contract with Anthem Blue Cross and can place Medigap clients with Blue. However our preference is to use more competitive carriers that save our clients hundreds or even thousands of dollars each year. Many of these Medicare supplement carriers are low profile and generally not targets for hackers.

Shop and compare our Medigap rates instantly online.

 

#Anthem #hack #BlueCross #Medicare #Medigap #IdentityTheft #GAMedigapQuotes