subject: How To Shop For A California Medicare Supplement [print this page] Finding car insurance is pretty simple, but how do you find a California Medicare Supplement plan?
As you drive down the street, it is likely that you have never seen a building in your town with a banner that says, buy a Medicare Supplement here.
Following are three things you should know as you shop around for a Medicare Supplemental plan.
1. Shopping for a Medicare Supplement Has Never Been Easier
In the olden days, if you wanted to buy a Medigap plan (another name for a supplemental plan), you probably received dozens of phone calls from hungry agents, trying to set an appointment at your home. But what choice did you have? That was the way that most Medigap insurance was sold.
If you are like most people, you abhor the idea of an agent coming to your home. In fact, many people don't even want to talk to anyone, and they sure don't want some pushy sales person trying to tell them what is good for them.
The good news is, with the power of the internet, shopping for Medicare Supplements was never easier.
The bad news is, you do have to be careful. There are many websites that collect and sell your information, and if your not cautious, you might have those hungry agents ringing your phone off the hook.
If you look for a brokerage you can trust, you can find brokers who represent all of the major companies in California and can help you find the best plan for you at the best price.
2. Shopping for a Supplement Doesn't Need to Be Confusing
A Medicare Supplement is a fairly simple thing. One Plan F for example (a very popular and comprehensive plan) is exactly like any other Plan F in California. The main difference is the price. Company 1 may charge $175 per month for a Plan F and Company 2 may charge $110 for the same exact Plan F. You get exactly the same benefits and the same coverage from Company 2 as from Company 1.
3. Find a Plan That is a Good Fit for You
We talk to folks all of the time who tell us that the reason they chose the plan they did is because their sister-in-law told them it was a great company.
But seriously, are your health care needs exactly the same as your sister-in-law? Your needs are most likely unique, which is why you should find a plan that is uniquely suited to your personal needs.
4. Take Advantage of the California Medicare Supplement Law
California has a unique law regarding Medicare Supplements. Every year, if you don't like your policy, you can change it on your birthday and for 30 days after, without worrying about whether or not the insurance company will accept you. This allows you to shop for the best price and the best service, with the peace of mind of knowing you can always switch plans.
