Georgia Medicare Gives Thanks

Georgia Medicare Looks at 2018

As Dickens said, “This is the best of times and the worst of times.” Like all years, there are times when things are good and times when things are not so good. From a business perspective I would give this year a 9 on a scale of 10. Georgia Medicare expert reflects on 2018.

Georgia Medicare expert

The Good News

Georgia Medicare supplement clients continue to bless me with referrals. My business grows mostly by word of mouth. When my advice is useful clients remember and pass my name along to their friends.

Like that old shampoo commercial where Heather Locklear told two friends about Faberge, and they told two friends, and so on.

Good new spreads like wildfire, and it is appreciated. With more than 500 GA Medicare clients, new referrals come in almost every month.

Thank you for being generous and sharing my name with your friends.

Georgia Medicare YouTube Channel

After years of planning and hoping it would happen, I finally implemented my Georgia Medicare YouTube channel in early summer. With the help of Christy Sanchez this labor of love is now a reality.

The videos are not fancy or technically complicated. It’s just me talking to the camera the same way I speak to you on the phone. Feel free to like, share and comment on any of the videos.

Of course you can also ask questions.

Say Hello to New Medigap Carriers

I currently count almost 60 insurance carriers offering Medicare supplement plans in Georgia. Many are brand new to the Medigap business. Others are new to Georgia.

At least 6 carriers are new to the Georgia Medicare market. Each one has cut rates to the bone in an attempt to gain market share.

It’s a race to see who can offer the lowest Medigap rate.

For at least a year.

New carriers include Lumico, Western United (late 2017), Everest (late 2016), American Continental, Prosperity (gotta love that name), Mass Mutual, Unified and Pan American. I might have missed a few but that’s a mouthful.

I generally don’t recommend a carrier until they have been here at least 3 years. In the past carriers (like AFLAC) have either disappeared from the market or blew up their rates on renewal in the first 3 years.

I don’t need that kind of drama in my life and neither do you.

Say Hello to a New Name for an Old Friend

One shining star is Anthem Blue Cross. BCBSGA has been co-branded with parent Anthem for a few years now. As of July 2018 the Anthem name is on all new Medicare plans in Georgia.

Of course you can call them direct or use an agent like myself. When you go direct you are a “house account”. You will never know who will answer the phone or anything about them. 

Last week they could have been asking if you wanted fries with your meal.

When you call me you will never hear “Press 1 for English”. You get me or voice mail. Leave a message and I will call you back.

No extra charge for my 40+ years experience.

You can enroll in an Anthem Medigap plan using my link . . . if you have an hour or so to kill. 

https://brokerportal.anthem.com/ac/BobVineyardAnthemGA

Or call me direct. I can take your information in about 10 minutes.

You choose.

The Bad News

A few carriers like Equitable, Manhattan and Aetna Health and Life stopped writing new Medigap business in Georgia. If you have a plan with them you can keep it as long as you pay your premiums.

I hope to move as many as possible away from these carriers in hopes of seeing fewer and smaller rate increases at renewal.

Thank You!

Thank you for all your support, for passing my name along and especially the kind words for my Georgia Medicare YouTube Channel.

I look foward to helping as many people as possible to navigate the Georgia  Medicare maze.

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