Some Medicare beneficiaries are receiving new Medicare card numbers as part of ongoing fraud protection efforts
Recently, some Medicare beneficiaries have heard that new Medicare card numbers are being issued in 2026. Many people are wondering whether this affects them. Here is what you should know.
Are Medicare Card Numbers Changing This Year
Yes, but only for a small number of people. The Centers for Medicare & Medicaid Services is mailing new Medicare card numbers to certain beneficiaries as part of a security update related to fraud prevention. If you are affected, your new card will arrive automatically by mail. You do not need to request one.
NOTE:Most Medicare beneficiaries will not receive a new number.
Why Some Medicare Numbers Are Being Replaced
From time to time, the Centers for Medicare and Medicaid Services updates Medicare identification numbers for certain beneficiaries as part of ongoing efforts to protect personal information and reduce fraud. If your number is affected, Medicare automatically sends a replacement card by mail and no action is required from you.
What Should You Do If You Receive a New Medicare Card
If you receive a new Medicare card in the mail, you should do the following:
Start using the new number immediately
Safely destroy your old card
Share your new number with your doctors if needed
Let your insurance agent know so your records stay updated
There is no cost for a replacement Medicare card. If your Medicare card is lost or damaged, you can request a replacement card at any time through your secure account at Medicare.gov or by calling (800) MEDICARE. Replacement cards are mailed directly from Medicare and there is never a fee for this service.
Important Fraud Warning
Medicare will never call unexpectedly asking for your Medicare number
Unfortunately, scammers often take advantage of situations like this.
Please remember that Medicare will never do any of the following:
Call you unexpectedly to ask for your Medicare number
Charge you for a replacement card
Ask for banking information to send a new card
Threaten that your coverage will be cancelled unless you respond immediately
Send plastic or chip Medicare cards
IMPORTANT:If someone contacts you and asks for personal information related to your Medicare card, it is very likely a scam.
How To Recognize An Official Medicare Mailing
An official Medicare mailing does the following:
Arrives by postal mail
Does not request payment
Does not ask for banking information
Includes your name exactly as shown on your Medicare card
Does not require immediate action to keep your coverage active
If something feels urgent or requests personal information, it is best to verify it before responding.
What Should You Do If You Receive a Suspicious Call
If you receive a suspicious call about Medicare, the safest step is to contact Medicare directly at (800) MEDICARE to confirm whether the request is legitimate. You are also welcome to contact me if you would like help reviewing anything you receive.
Where To Learn More About Medicare Fraud Prevention
If you would like additional information about how to protect yourself from Medicare fraud, these official resources can help:
These trusted sources explain warning signs and what steps to take if something does not seem right.
My Recommendation to Clients
If anyone contacts you about your Medicare card and you are unsure what to do, it is always best to verify the request before responding. Protecting your Medicare information helps prevent fraud and keeps your coverage secure.
If you ever receive a Medicare related notice and are unsure whether it applies to your coverage, I am always happy to help review it with you.
About the Author
I’m an independent Medicare Supplement insurance specialist working with most of the major insurance carriers throughout California, Nevada, and several other states. I help people turning 65 coordinate their Medicare enrollment so their Medicare Supplement and prescription drug coverage begin at the same time as Medicare.
I also work with many people who already have Medicare Supplement plans and would like to review their options. In California, the Medicare Supplement Birthday Rule allows policyholders to change their plans each year without medical underwriting, and I regularly help clients lower their premiums while keeping the same identical plan and coverage. Many of my clients have saved hundreds, and sometimes thousands, of dollars.
There is no charge for my services because I am compensated by the insurance carriers, not my clients. My goal is to help you find competitive premiums and provide dependable personal service year after year.
If you are turning 65 soon, or if you already have a Medicare Supplement plan and would like to review your options, I am happy to help.
You can also click here to read what my clients have to say about working with me.
Serving Medicare clients throughout California, Nevada, and several other states.
CA Insurance License: #0B33674 NV Insurance License: #3822123 AZ Insurance License: #681166
This website is operated by a licensed insurance agent and is intended for educational purposes only. I am not affiliated with or endorsed by Medicare or any government agency.
This blog is a step by step guide explaining when to enroll, whether you can sign up by phone or online, and how to coordinate Medicare with a Medicare Supplement plan.
The Medicare Initial Enrollment Period lasts 7 months. Applying during the 3 months before your birthday month helps ensure your Medicare and Medicare Supplement coverage start on time.
Turning 65 is an important milestone and for most Americans it means becoming eligible for Medicare. Many people turning 65 are surprised to learn that signing up for Medicare and choosing their coverage options involves several coordinated steps. Many people are unsure how to sign up, when to enroll, and which method is easiest. This blog explains the different ways to enroll in Medicare and which options work best depending on your situation.
Are You Automatically Enrolled in Medicare?
Some people are enrolled in Medicare automatically. You will usually be automatically enrolled in Original Medicare (Part A – Hospital insurance) and (Part B – Medical insurance) if you are already receiving Social Security retirement benefits at least four months before your 65th birthday.
If you are automatically enrolled:
Your Medicare card usually arrives about three months before your 65th birthday.
Coverage usually starts the first day of your birthday month (or the first day of the previous month if your birthday is on the 1st of the month).
No Medicare application is required unless you want to delay Part B.
If you are not receiving Social Security benefits yet, you will need to apply for Medicare yourself.
The Three Main Ways to Sign Up for Medicare
Most people turning 65 can sign up for Medicare online through Social Security by phone or by scheduling a Social Security appointment. Choosing the right enrollment method can help ensure your coverage starts on time.
If you need to enroll yourself, there are three main options:
1. Enrolling Online Through the Social Security Website
For most people turning 65, enrolling online through the Social Security website is the fastest and easiest method. Please click here to enroll online.
NOTE:I know it seems counter-intuitive, but you go to the Social Security website, not the Medicare website, to sign up for Medicare.
Advantages of online enrollment include the following:
Available twenty-four hours a day.
No waiting on hold.
Typically processed quickly.
Often completed in about fifteen minutes.
Best for the following situations:
People retiring at 65.
Individuals not covered by employer insurance.
Anyone comfortable using a computer.
For most applicants, this is the best and simplest way to enroll.
2. Enrolling by Phone With Social Security
Many people prefer speaking with a representative. You can still enroll in Medicare by calling Social Security at (800) 772-1213.
Sometimes enrollment can be completed during the call. In other cases, Social Security schedules a follow up phone appointment with a specialist who completes the application with you.
Advantages of phone enrollment include the following:
Helpful if you have questions.
Useful for coordinating employer coverage with Medicare.
Comfortable option for people who prefer personal assistance.
Best for the following situations:
Applicants delaying Part B because they are still working.
Individuals enrolling during a Special Enrollment Period.
People who want guidance through the process.
3. Enrolling Through a Local Social Security Office
Some applicants prefer in person assistance. You can schedule an appointment with your local Social Security office to apply for Medicare. To set up an appointment, call Social Security at (800) 772-1213. Most offices now require appointments instead of walk in visits.
Advantages of in person enrollment include the following:
Face to face support.
Helpful for complicated situations.
Useful if documentation is required.
Best for the following situations:
Applicants with unique eligibility situations.
Individuals who prefer meeting with someone directly.
When Should You Apply for Medicare?
Your Initial Enrollment Period (IEP) lasts seven months:
Three months before your 65th birthday month.
Your birthday month.
Three months after your birthday month.
Applying during the three months before your birthday month helps ensure your coverage starts on time.
What If You Are Still Working at Age 65?
If you or your spouse are still working and covered by employer health insurance, you may be able to delay Part B without penalty. This depends on the size of the employer and the type of coverage you have. Many people in this situation enroll in Part A (Hospital insurance) only and delay Part B (Medical insurance) until retirement. Before delaying Part B, it is important to confirm that your employer coverage qualifies. Please click here for more details.
NOTE:Part A is usually free, but the monthly premium for Part B is currently $202.90 for most people (in 2026), unless you are in a higher income bracket. If you are still working, you can usually defer paying the Part B premium until you leave your employer health plan.
Common Mistakes People Make When Signing Up for Medicare
Here are some common mistakes people make when signing up for Medicare:
Waiting too long to apply and risking delayed coverage.
Assuming enrollment happens automatically when it does not.
Delaying Part B without confirming employer coverage rules.
Missing the six month Medicare Supplement Open Enrollment window after Part B begins.
Avoiding these mistakes can save money and prevent future coverage problems.
Do You Need to Enroll in a Medicare Part D Prescription Drug Plan?
When you first become eligible for Medicare, it is important to consider whether you should enroll in a Medicare Part D prescription drug plan. If you do not enroll in a Part D plan when you are first eligible and you do not have other creditable prescription drug coverage, you may have to pay a lifetime late enrollment penalty if you enroll later. Creditable prescription drug coverage usually includes employer or union coverage that is expected to pay at least as much as standard Medicare prescription drug coverage. It is important to confirm whether your existing coverage is considered creditable before deciding to delay Part D enrollment.
IMPORTANT: Even if you do not currently take prescriptions, enrolling in a low cost Part D plan when you first become eligible can help you avoid future penalties. In California, some Medicare Part D plans are available with a $0 monthly premium, which makes enrolling early an easy way for many people to avoid future penalties while keeping costs low.
It is also important to know that Medicare Supplement plans do not include prescription drug coverage. A separate Part D plan is needed if you want prescription coverage. Most people choose to enroll in a Part D plan when their Medicare Part B begins so their prescription coverage starts at the same time as their medical coverage.
The timeline below shows when to enroll in a Medicare Part D plan so your prescription coverage begins at the same time as Medicare.
Enrolling in a Medicare Part D prescription drug plan when you first become eligible helps ensure prescription coverage begins on time and helps avoid lifetime late enrollment penalties if you enroll later.
How to Sign Up for a Medicare Prescription Drug Plan
Here are the most common ways to sign up for a Medicare Prescription Drug Plan:
Option 1: Enroll online (recommended) Visit Medicare.gov and use the Plan Finder tool to compare all available Part D plans in your area. This allows you to review premiums, pharmacy networks, and estimated drug costs side-by-side so you can choose the plan that best fits your needs.
Click here to watch a short video I made that explains step-by-step how to sign up for a prescription drug plan.
Because many insurance agents are not appointed with every Part D carrier, and many agents no longer offer Part D enrollment assistance due to increasingly complex CMS compliance requirements, Medicare.gov is often the best place to make sure you’re seeing every available option.
Click here to read another blog I wrote explaining why you may be better off shopping for your own prescription drug plan instead of using an insurance agent.
Option 2: Enroll by phone Call 1-800-MEDICARE (1-800-633-4227) and a Medicare representative can help you review your options and complete enrollment.
What Happens After You Enroll in Original Medicare?
Once you are enrolled in Original Medicare (Part A and Part B), it’s important to understand that Original Medicare typically covers about 80% of approved medical expenses, and there is no limit on your out-of-pocket costs. Because of this, most people choose to add additional coverage.
Your main options include:
A Medicare Supplement plan (also called Medigap)
A Medicare Advantage plan
A Part D prescription drug plan
If you choose a Medicare Supplement plan, which many people prefer because it helps limit unexpected out-of-pocket costs, the best time to apply is before your Medicare Part B effective date so your coverage can begin the same day your Medicare coverage starts. Many people submit their Medicare Supplement application one to three months before their Part B start date to help avoid any gap in coverage.
Your six-month Medicare Supplement Open Enrollment Period begins when your Part B coverage starts. During this six-month window, you cannot be turned down or denied coverage due to health conditions. However, applying before your Part B effective date helps ensure your Medicare Supplement coverage starts on time.
Some people choose a Medicare Advantage plan as an alternative way to receive their Medicare benefits. However, there are important differences between Medicare Advantage plans and Medicare Supplement plans.
Click here to read my article explaining why many people carefully compare these options before choosing a Medicare Advantage plan.
A Simple Checklist for Turning 65
Find out whether you will be automatically enrolled.
Decide whether you should delay Part B because of employer coverage.
Choose whether to apply online, by phone, or through a Social Security appointment.
Apply during the three months before your birthday month when possible.
Review Medicare Supplement options once your Part B start date is confirmed.
Understanding the Difference Between Enrolling in Medicare and Enrolling in a Medicare Supplement Plan
Signing up for Medicare and signing up for a Medicare Supplement plan are totally different. Enrolling in Medicare is done through Social Security and determines when your Part A and Part B coverage begin. Enrolling in a Medicare Supplement plan is done through a private insurance company using an insurance agent and helps cover most of the out of pocket costs that Original Medicare does not pay.
Many people assume these steps happen automatically together, but they do not. Coordinating the timing of your Medicare Supplement application with your Part B start date helps ensure your coverage begins the same day your Medicare coverage becomes active.
Medicare Supplements and Medicare Advantage Plans Are Totally Different
After enrolling in Original Medicare, most people choose either a Medicare Supplement or a Medicare Advantage plan. Understanding the difference between these options is an important step when planning your Medicare coverage.
After enrolling in Medicare Part A and Part B, most people choose either a Medicare Supplement plan or a Medicare Advantage plan. These are two different types of coverage and they work in very different ways. A Medicare Supplement works alongside Original Medicare and helps pay most out of pocket costs such as deductibles and coinsurance. A Medicare Advantage plan replaces Original Medicare coverage with a private plan that includes provider networks and different cost structures. Most Medicare Advantage plans are HMOs and your choices are limited.
Understanding the difference between these options is an important step when planning your Medicare coverage.
A Medicare Supplement Insurance Specialist Helps Coordinate Your Start Date
Applying for a Medicare Supplement plan one to three months before your Medicare Part B start date helps ensure there are no gaps in coverage when Medicare begins.
One of the most helpful things a Medicare Supplement insurance specialist can do is coordinate the timing between your Medicare Part B effective date and your Medicare Supplement application. Submitting your Medicare Supplement application before your Part B start date helps ensure your coverage begins the same day your Medicare coverage becomes active. This helps prevent gaps in coverage and allows you to move into Medicare with confidence.
California Residents Have an Additional Medicare Supplement Advantage
California residents can change their Medicare Supplement each year from their birthday up to 60 days after. No health questions required when switching to a plan with “equal or fewer” benefits.
With a Medicare Advantage plan, you can generally only change your coverage during the Annual Election Period (AEP), which runs from October 15th through December 7th each year, unless you qualify for a Special Enrollment Period. Coverage selected during this time begins on January 1st of the following year.
With a Medicare Supplement, you can apply to change coverage at any time during the year. However, in most cases, you will need to answer health questions and go through medical underwriting.
California residents have an added advantage under the California Birthday Rule. This law provides a 60-day window beginning on your birthday each year. During this time, you can switch to another Medicare Supplement plan with the “same or fewer” benefits without medical underwriting.
For example, if you have Plan G, you can switch to Plan G with any other insurance carrier, regardless of your health. In contrast, most states do not offer a birthday rule, which means individuals with health conditions may be unable to change plans or carriers without underwriting. If you are in California, it is a good idea to review your Medicare Supplement options around your birthday each year. I do this for my clients to help them take advantage of potential savings.
If you would like help reviewing your Medicare Supplement options or seeing if you may qualify for savings under the California Birthday Rule, I offer no cost consultations and would be happy to help you explore your options.
Final Thoughts
Signing up for Medicare does not have to be confusing. Understanding your enrollment options ahead of time helps ensure your coverage starts on time and helps you avoid unnecessary penalties or gaps in coverage.
If you are turning 65 soon and would like help coordinating your Medicare enrollment with a Medicare Supplement plan so your coverage begins on time, speaking with a licensed Medicare specialist can make the process much easier and more confident.
If you would like personalized help reviewing your Medicare Supplement options or timing your enrollment correctly, my contact information is below.
About the Author
I’m an independent Medicare Supplement insurance specialist working with most of the major insurance carriers throughout California, Nevada, and several other states. I help people turning 65 coordinate their Medicare enrollment so their Medicare Supplement and prescription drug coverage begin at the same time as Medicare.
I also work with many people who already have Medicare Supplement plans and would like to review their options. In California, the Medicare Supplement Birthday Rule allows policyholders to change their plans each year without medical underwriting, and I regularly help clients lower their premiums while keeping the same identical plan and coverage. Many of my clients have saved hundreds, and sometimes thousands, of dollars.
There is no charge for my services because I am compensated by the insurance carriers, not my clients. My goal is to help you find competitive premiums and provide dependable personal service year after year.
If you are turning 65 soon, or if you already have a Medicare Supplement plan and would like to review your options, I am happy to help.
You can also click here to read what my clients have to say about working with me.
Serving Medicare clients throughout California, Nevada, and several other states.
Ron Lewis Ron@RonLewisInsurance.com www.MedigapShopper.com (760) 525-5769 (866) 718-1600
Choosing a Medicare Prescription Drug Plan (PDP), which is also known as Part D, can feel overwhelming. With dozens of plans available, each with different premiums, deductibles, copays, and pharmacy networks, it’s easy to make a costly mistake.
As a Medicare Supplement (Medigap) insurance agent, I often get questions from clients who also want help selecting a Part D plan. While I’d love to help, I recently learned that helping someone choose or enroll in a Part D plan without proper certification could put my insurance license at risk. However, there’s a better option that is free, unbiased, and comprehensive through the Health Insurance Counseling and Advocacy Program (HICAP).
Many Insurance Agents Have Stopped Selling Prescription Drug Plans
If you’ve noticed that fewer independent agents are offering Medicare Prescription Drug (Part D) plans, you’re not imagining things. Over the past couple of years, the Centers for Medicare & Medicaid Services (CMS) has introduced an increasing number of onerous regulations that have made it extremely difficult for many agents to continue offering these plans, especially independent agents who value personal service and client relationships.
For example, CMS recently began requiring insurance agents to record every marketing, sales, and enrollment call related to Medicare Prescription Drug Plans (Part D). This means any discussion involving benefits, costs, or plan comparisons must be recorded, both inbound and outbound, and those recordings must be securely stored for 10 years. Agents don’t like this and many Medicare beneficiaries don’t want their conversations recorded.
While these rules were intended to protect consumers from misleading marketing, the burden of compliance has become overwhelming for many professionals in the field. For more detailed information, please click here to check out my other blog called “Why Many Insurance Agents Have Stopped Selling Prescription Drug and Advantage Plans,” and click here to to check out another related blog called “Why You May Be Better Off Choosing Your Own Medicare Prescription Drug Plan (Part D).”
Why an Insurance Agent Might Not Be Enough
Many insurance agents are only certified to sell PDP’s from certain insurance carriers, which means:
They may not have access to every plan available in your area.
Their guidance could be influenced by commissions or appointments, even unintentionally.
You may not get a complete picture of your options, which can lead to higher costs or gaps in coverage.
That’s where HICAP comes in.
What is HICAP and How It Helps
The Health Insurance Counseling and Advocacy Program (HICAP) is a free, state-run program in California that provides free, confidential one-on-one counseling, education, and assistance to individuals and their families on Medicare, Long-Term Care insurance, other health insurance related issues, and planning ahead for Long-Term Care needs.
HICAP also provides legal assistance or legal referrals in dealing with Medicare or Long-Term Care insurance related issues. HICAP counselors are trained in Medi-Cal and Medicare and can help you understand the complex insurance options to find the best fit for you.
HICAP counselors:
Can show all available Part D plans in your area.
Provide completely unbiased guidance, with no sales pressure.
Help you compare costs, deductibles, co-pays, and pharmacy networks.
Walk you through the Medicare Plan Finder tool or help you understand your plan options.
What HICAP Services Are Available?
HICAP can help you with the following:
Have questions on prescription drug coverage, co-pays, or eligibility rules?
Wondering how to sign up for Medicare now that you are almost 65?
Confused about all the different parts to Medicare, do you need A, B, C, D?
Need help filing an appeal or challenging a denial?
Considering long-term care insurance?
Need a speaker for a community education event?
How a HICAP Session Works
Whether over the phone or in person, the process is simple:
Prepare your information: Have a list of all your prescriptions, your preferred pharmacy, and your zip code.
Enter your own prescriptions: You input your medication information into Medicare.gov.
Guided support: The HICAP counselor explains your options, interprets plan details, and answers questions.
Compare plans: They help you see which plan offers the best coverage for your needs.
Enrollment: You complete the enrollment yourself online or by calling the plan.
Who Can Get These Services?
Counseling is provided to the following individuals:
Persons 65 years of age or older and are eligible for Medicare
Persons younger than age 65 years of age with a disability and are eligible for Medicare
Persons soon to be eligible for Medicare
Why HICAP is the Best Choice
HICAP counselors provide a full picture of your options, which an insurance agent cannot always do. Their guidance is independent, comprehensive, and free. This ensures you make an informed decision about your prescription coverage without missing important details or paying more than necessary.
Check Out My Video — How to Sign Up for a PDP on the Medicare Website
This past year, I created a step-by-step YouTube video that shows you how to use the Medicare Plan Finder tool. Nothing has changed since last year. Instead of contacting a HICAP counselor, you should be able to watch the video and be able to select a PDP and enroll on your own. It’s really very easy! Please click here to watch the video. It’s only 14 minutes long.
Next Steps
If you’re ready to compare Medicare Prescription Drug Plans for 2026:
Click here to watch my Youtube video that explains how to to use the Medicare Plan Finder tool to select a PDP and enroll on your own.
Call HICAP at 1-800-434-0222 or click here to find a local office in California.
In other states besides California, you can get help at your local State Health Insurance Assistance Program (SHIP). Their phone number is 1-877-839-2675 or click here to find a local office outside of California.
And if you have questions about Medicare Supplement (Medigap) plans, I’m here to help guide you through your options.
Conclusion
Choosing a Part D plan doesn’t have to be stressful. By using HICAP’s free, unbiased services, you can get all the information you need to make the best decision for your health and budget, while staying in control of the process.
About the Author
As an independent Medicare Supplement insurance specialist, I work with most of the major insurance carriers throughout California, Nevada, Arizona, and several other states. I shop around for my clients every year during their 60-day annual open enrollment period under the California Birthday Rule to help them save money on their Medicare Supplement premiums. Many of my clients have saved hundreds, even thousands of dollars on the same exact plan and coverage! Please click here to see what my clients have to say about my services.
There is no charge for my services as I’m compensated by the insurance carriers, not my clients. My goal is to help you find the lowest premiums and provide the best personal service possible, year after year. Unlike many agents, I won’t do a magic act and disappear after you sign up! 🙂
If you enjoyed this blog and found it helpful, please leave your comments, questions, or feedback below and feel free to share this article with your friends!
Thank you!
Ron Lewis Ron@RonLewisInsurance.com www.MedigapShopper.com (760) 525-5769 – Cell (866) 718-1600 – Toll-free
Each year, many people in California decide to leave their Medicare Advantage (Part C) plan and return to Original Medicare (Part A and Part B) with a Medicare Supplement (Medigap) plan. Often, this happens when premiums, copays, or out-of-pocket costs increase, or when clients find their favorite doctors or hospitals are no longer in their plan’s network.
If you’ve ever wondered how to switch from Medicare Advantage to Medigap, it’s important to understand how the process works, and the potential challenges if you have existing health conditions.
You Can Switch Back to Original Medicare — But You’re Not Automatically Guaranteed Medigap Approval
You can drop your Medicare Advantage plan and go back to Original Medicare during certain times of the year, such as the Annual Election Period (AEP), which goes from October 15th through December 7th every year or during the Medicare Advantage Open Enrollment Period, which goes from January 1st through March 31st.
However, many people are surprised to learn that once they return to Original Medicare, they must apply separately for a Medicare Supplement plan, and approval is not guaranteed. In most cases, insurance companies can review your health history, which is called “medical underwriting,” and deny coverage if you have serious or chronic health conditions. That’s why timing and knowing the rules can make all the difference.
Medicare Guaranteed Issue Rights: The Hidden Opportunities
Here’s the good news… even if you have health problems, there are special Guaranteed Issue (GI) rights or situations that often let you enroll in a Medigap plan without health questions or underwriting.
These rights apply in specific situations and many beneficiaries don’t realize they qualify. Some are tied to Medicare Advantage plan changes, others to state-specific protections. In California, there are several lesser-known GI opportunities that can help people switch to Medigap coverage, even when they’ve been told “no” before.
I work with clients every year who thought they couldn’t qualify due to health issues and I’ve helped them get accepted for Medicare Supplement coverage using legitimate Guaranteed Issue options that most agents aren’t aware of or don’t mention to their clients.
Why Work with a Specialist Who Knows the California Rules
The Medicare rules in California are unique. Between the California Birthday Rule and other state-specific guaranteed issue protections, there are several ways to save money and secure coverage without medical underwriting.
As an independent Medicare Supplement insurance specialist, I work with all the major insurance carriers throughout California, Nevada, and several other states. My goal is simple. I want to help you find the best Medicare Supplement plan with the lowest premium and the most reliable coverage, year after year.
Let’s See What You Qualify For
If you’re considering leaving your Medicare Advantage plan or want to see if you qualify for a Guaranteed Issue Medicare Supplement, don’t wait until it’s too late.
There is no cost for my help. I’m paid by the insurance carriers, not my clients. I can review your situation, identify any Guaranteed Issue opportunities, and help you apply for the coverage that fits your needs and budget.
Contact me today to learn your options and see how much you could save on your Medicare Supplement plan.
About the Author
As an independent Medicare Supplement insurance specialist, I work with all the major insurance carriers throughout California, Nevada, and several other states. I shop around for my clients every year during their annual open enrollment period under the California Birthday Rule to help them save money on their Medicare Supplement premiums. Many of my clients have saved hundreds, even thousands of dollars for the same exact plan and coverage! Please click here to read what my clients have to say about my services.
There is no charge for my services as I’m compensated by the insurance carriers, not my clients. My goal is to help you find the lowest premiums and provide the best personal service possible, year after year. Unlike many agents, I won’t disappear after you sign up!
If you enjoyed this blog and found it helpful, please leave your comments, questions, or feedback below and feel free to share this article with your friends!
Thank you!
Ron Lewis Ron@RonLewisInsurance.com www.MedigapShopper.com (760) 525-5769 – Cell (866) 718-1600 – Toll-free
If you’ve ever tried to compare Medicare Prescription Drug Plans (PDPs), also known as Medicare Part D, you know how confusing it can be. There are dozens of options, and each plan has its own list of covered drugs (called a formulary), preferred pharmacies, and cost structure. What looks like a small difference in co-pays or premiums can easily add up to hundreds of dollars over the course of a year.
Why Most Agents No Longer Sell Prescription Drug Plans
You might assume that a licensed insurance agent can help you find the best plan, and in the past, many could. However, today’s system makes that much more difficult. Because of how Medicare’s certification and contracting rules work, most independent agents are not certified with every drug plan available in your area. They can only recommend or enroll you in a limited number of specific plans they are contracted with and certified to sell.
If another company offers a plan with lower co-pays or better coverage for your medications, your agent may not even be allowed to discuss it with you. Why? Because they don’t get paid for selling plans they’re not certified or contracted to represent. Even if they know a different plan would save you money, compliance rules and commission structures prevent them from showing it to you.
The Hidden Time and Cost Burden on Agents
Before an agent can help anyone with a PDP or a Medicare Advantage (MA) plan, they must complete extensive training and certification every year. This starts with the AHIP certification exam, which takes many agents 10–20 hours of study time to complete. The AHIP exam covers topics such as Medicare compliance, plan rules, CMS marketing guidelines, etc.
But that’s only the beginning. Agents must also spend time studying and taking individual certification exams for EVERY insurance company whose plans they want to sell. Each carrier’s certification process is different. Some require several hours of training, testing, and annual renewal. Altogether, a well-rounded agent could easily spend 50+ hours each year just keeping up with certifications before they can even begin helping clients.
Then there are the CMS compliance rules, which now require all sales calls related to PDPs and MA plans to be recorded and stored securely for 10 years! The added administrative burden and potential liability make it even less practical for agents to offer these plans, especially since commissions for prescription plans are typically under $100 per year per client. Many agents have simply decided that it’s not worth the time and effort.
How You Can Shop and Enroll in a Drug Plan On Your Own
Fortunately, Medicare makes it easy for you to shop around on your own and sign up for a prescription drug plan at www.Medicare.gov by using the exact same tool that agents use.
This past year, I put together a short video that explains how to shop for and sign up for a Medicare prescription drug plan using the Medicare Plan Finder tool. It’s actually very easy, and there aren’t any significant changes since last year. Please click here to watch the video.
The Medicare Plan Finder is available 24/7 and it is updated every fall with the latest plan information. It allows you to make an informed decision without pressure or bias, and without worrying whether your agent is certified to sell a particular plan.
Review Your Coverage Each Fall
Even if you’re happy with your current PDP, it’s important to review your coverage each year during the Annual Election Period (AEP), which goes from October 15th through December 7th each year. PDPs are annual contracts, and drug prices, plan premiums, and pharmacy networks can change every year. What’s good this year may not be so good next year.
It only takes about 15 to 20 minutes to shop around and review your PDP options, and it could save you literally hundreds of dollars and ensure you have the right coverage for your specific prescriptions.
The Bottom Line
Most Medicare agents are honest, hardworking professionals who want to help their clients, but the system is stacked against them when it comes to prescription drug plans. Between certification costs, compliance rules, and low commissions, many agents have chosen to focus on Medicare Supplements, Medicare Advantage plans, or other types of insurance products instead.
By learning how to shop for your own prescription drug coverage at Medicare.gov, you can take control of your health care costs, stay informed, and make sure you’re always getting the best prescription drug plan every year.
About the Author
As an independent Medicare Supplement insurance specialist, I work with all the major carriers throughout California, Nevada, and several other states. I shop around for my clients every year during their 60-day annual open enrollment period under the California Birthday Rule to help them save money on their Medicare Supplement premiums. Many of my clients have saved hundreds, even thousands of dollars on the same exact plan and coverage! Please click here to see what my clients have to say about my services.
There is no charge for my services as I’m compensated by the insurance carriers, not my clients. My goal is to help you find the lowest premiums and provide the best personal service possible—year after year. Unlike many agents, I won’t disappear after you sign up!
If you enjoyed this blog and found it helpful, please leave your comments, questions, or feedback below and feel free to share this article with your friends!
Thank you!
Ron Lewis Ron@RonLewisInsurance.com www.MedigapShopper.com (760) 525-5769 – Cell (866) 718-1600 – Toll-free
If you’re a Medicare Supplement (Medigap) policyholder living in California, there’s a little-known benefit that could save you hundreds (or even thousands) of dollars a year and many people don’t even know that it exists. It’s called the California Birthday Rule, and it gives you the right to switch your Medigap plan every year around your birthday, REGARDLESS OF YOUR HEALTH!
IMPORTANT: You can change your Medicare Supplement any time of the year, but if you do it around your birthday, it’s a lot easier because you don’t have to answer any health questions, there’s no medical underwriting, and YOU CAN’T BE TURNED DOWN FOR COVERAGE!
Medigap Plans Are Standardized
Nationwide, there are 10 standardized Medicare Supplement lettered plans to choose from, Plan A through Plan N. When I say “standardized,” that means that the coverage and benefits for every lettered plan are exactly the same regardless of what insurance carrier you sign up with. In other words, Plan G is Plan G, Plan N is Plan N, etc., regardless of what insurance carrier you are with. So it’s much easier to compare plans since every plan is exactly the same no matter which insurance carrier offers it.
NOTE:Technically, there are actually 12 standardized Medigap plans to choose from because there are high-deductible versions of Plan F and Plan G. In 2025, you will pay a $2,870 deductible before your coverage for either of these plans would begin.
As you can see, the only difference between Plan F and Plan G is the Medicare Part B deductible.
Which Medigap Plan is Best?
For those who are turning 65 or starting Medicare today, the best and most comprehensive Medigap plan is Plan G, which pays for everything except for the Medicare Part B deductible. The current annual Part B deductible (in 2025) is $257. That amount can change from year to year, but historically, it hasn’t changed by much.
Medicare Access and CHIP Reauthorization Act of 2015
Due to the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), Medigap Plan C and Plan F were discontinued for new Medicare beneficiaries starting on January 1st, 2020. This legislation eliminated the availability of Medigap plans that cover the Medicare Part B deductible for individuals who became eligible for Medicare on or after that date. However, Plan C and Plan F are still available for people who were eligible for Medicare before 2020 or who already have one of those plans. They just aren’t available for those individuals that turned 65 or started Medicare on or after January 1st, 2020.
Let’s look at a common example of how switching under the Birthday Rule can save you money.
Why Plan G is More Popular Than Plan F
If you have a Plan F Medicare Supplement, you’re probably paying more than you need to. It’s usually much cheaper and more cost effective to switch to Plan G because both plans are identical in coverage except for the Medicare Part B deductible, which is $257 in 2025. Plan F covers that small deductible, while Plan G does not. That is the only difference between the two plans, yet the premiums for Plan F are usually significantly higher.
Even though Plan F covers that $257, it often costs $400–$1,000 more per year in premiums than Plan G, so in most cases, you’d save money by paying the lower monthly premium for Plan G and just covering that $257 deductible yourself.
IMPORTANT:If you can save more than $257 per year by switching from Plan F to Plan G, then Plan G is cheaper and more cost effective.
For example, if your Plan F premium is $250 per month and you can get Plan G for $200 per month, that’s a gross savings of $50 per month or $600 per year. If you pay the $257 on your own, your net savings will still be $343 per year ($600 – $257 = $343)! The Medicare Part B deductible is payable only one time per calendar year, so after you pay that small deductible, there is absolutely no difference between Plan F and Plan G for the remainder of the year!
NOTE: If you have Plan F and you switch to Plan G, if you’ve already met your $257 Part B deductible, you won’t pay it again until the following year since that small deductible is payable only one time per calendar year.
What Is the California Birthday Rule?
The California Birthday Rule is a special California state law that allows active Medigap policyholders in California to switch to a new Medigap plan with “equal or fewer” benefits every year around their birthday without medical underwriting during a 60-days following their birthday.
NOTE:In California, most carriers accept applications from 30 days before your birthday up to 60 days after your birthday, a 91-day window to switch Medigap plans without medical underwriting.
Most states don’t have a birthday rule, and if you develop a serious health condition, you could be stuck with your current health insurer and Medigap plan. But thanks to the California Birthday Rule, you have a guaranteed open enrollment period every year to shop around and save money on your premiums without worrying about being stuck or declined.
What Does Equal or Fewer Mean?
Again, under the birthday rule, you can switch to any Medigap plan that offers “equal or fewer” benefits than your current plan. In other words, you can switch from your current Medigap plan to any other Medigap plan that offers benefits that are the same or less comprehensive than what you currently have.
For example:
You cannot upgrade to a plan with more benefits (such as Plan N to Plan G).
You can switch to a plan with the same level of benefits (such as Plan G to another Plan G with a different carrier).
You can downgrade to a plan with fewer benefits (such as Plan F to Plan G, Plan G to Plan N, etc.).
This rule exists to prevent people from waiting until they are sick to “upgrade” to more generous coverage. However, it does give you freedom to shop around for lower prices on the same or lesser coverage without worrying about health questions or being declined.
Examples of “Equal or Fewer”
If you have Plan F, you can switch to Plan F with a different insurance carrier or to Plan G, Plan N, etc.
If you have Plan G, you can switch to Plan G with another insurance carrier or to Plan N, etc.
If you have Plan N, you can switch to Plan N with a different insurance carrier or to Plan A, etc.
Even if you’re not sure whether your current plan is the best deal, you can always switch to the same plan with a different insurance carrier during your birthday rule window, often saving hundreds and sometimes thousands of dollars per year without changing any of your benefits.
What States Have a Medigap Birthday Rule?
Today, more states are slowly adding their own birthday rules. Here is a current list of states that have a Medicare birthday rule:
California
Illinois
Idaho
Kentucky
Louisiana
Maryland
Nevada
Oklahoma
Oregon
Utah
Virginia
Wyoming
States with Year-Round Guaranteed Issue or Open Enrollment Rights
These states don’t have a Medicare birthday rule, but they offer year-round guaranteed issue or open enrollment periods without underwriting:
Connecticut
Maine
Missouri
New York
Washington
Do Most People Use the Birthday Rule?
Surprisingly, no! Many people don’t know this rule exists and they stay on overpriced Medigap plans for years thinking they’re stuck because of health issues, etc. If you take advantage of the birthday rule each year, you can keep your premiums under control and avoid being overcharged.
Rates Vary Significantly Between Insurance Carriers
As mentioned before, Medigap plans are “standardized” meaning that Plan G is Plan G, Plan N is Plan N, etc. The coverage and benefits for every Plan G, etc. are exactly the same regardless of what insurance carrier you are with. However, the rates between insurance carriers are not standardized. Every insurance carrier charges their own rates.
For example, right now in the 92024 zip code (San Diego), the Plan G rates for a 70 year old single female range from $217.78 to $319.79 per month! That’s a difference of $102.01 per month or $1,224.12 per year for the same identical plan and coverage!
NOTE:Several years ago, one of my clients, a husband and wife, moved to San Diego from Los Angeles. They were paying $809.00 per month for Plan G with United American, and I got them Plan G with Mutual of Omaha for $367.01 per month, which was a savings of $441.99 per month or $5,303.88 per year for the save identical plan and coverage! Rates are based primarily on age and zip code, and they are constantly changing. It‘s critically important to shop around every year!
How to Apply and Save Money!
To take advantage of the California birthday rule, you must do the following:
Live in California
Have an active Medigap plan
Switch to a Medigap plan with “equal or fewer” benefits
Apply during the 30 days before up to 60 days after your birthday
Email me at Ron@RonLewisInsurance.com or call me at 760.525.5769 (cell) or 866.718.1600 (toll-free) for a free quote or to switch plans
It only takes a few minutes to apply and there is never a charge for my service!
Conclusion
If you currently have a Medigap plan, you can change your plan every year around your birthday, REGARDLESS OF YOUR HEALTH! If you apply during your annual 60-day open enrollment period under the California Birthday Rule, YOU CANNOT BE TURNED DOWN FOR COVERAGE!
As an independent insurance agent specializing in Medicare Supplements, I work with all the major insurance carriers, not just one. (A “captive” insurance agent can only represent one insurance carrier.) I will do the shopping for you and find you the best rates, not just this year, but I shop around for all my clients every year around their birthday! The monthly premiums are exactly the same whether you let me do the shopping for you to save you money on your premiums or if you contact an insurance carrier directly! Please visit ClientTestimonials to read what some of my clients have to say about me.
Call, text, or email me today, and I’ll help you review your options in just a few minutes with no pressure or obligation. Let me help you save hundreds, or even thousands of dollars, on the exact same Medigap plan you already have. Won’t that be a nice birthday present?
If you liked this blog and found it informative, please click the “Like” button, and please send me your questions, comments, or feedback! And please feel free to share this article with your friends!
Thank you!
Ron Lewis Ron@RonLewisInsurance.com www.MedigapShopper.com (760) 525-5769 – Cell (866) 718-1600 – Toll-free
Medicare fraud is a serious issue that affects millions of Americans each year, and it costs taxpayers billions of dollars. Fraudulent activities not only waste valuable resources but can also put your personal health information at risk. This article takes a closer look at Medicare fraud, how to recognize it, and what you can do to protect yourself.
What is Medicare Fraud?
Medicare fraud occurs when someone intentionally misleads or deceives Medicare for financial gain. Here are some examples:
Billing for services you didn’t receive: Providers may bill Medicare for treatments, tests, or procedures that you didn’t actually receive.
Falsifying diagnoses or treatments: Some fraudulent providers might fabricate medical records to justify unnecessary treatments or prescriptions.
Unnecessary tests or treatments: Some providers might encourage you to undergo tests or treatments that are unnecessary, just so they can bill Medicare for them.
Medicare card theft: Fraudsters may steal your Medicare card to use it for unauthorized services or sell it to others.
How to Identify Medicare Fraud
It’s important to stay vigilant and be aware of potential fraud. Here are a few red flags to watch out for:
Unsolicited Calls or Visits: Be wary of phone calls or home visits from people who say they’re from Medicare or healthcare companies, especially if they are asking for your personal information. Medicare will never call you without reason to request personal information.
Offers of “Free” Services: If someone offers you “free” services in exchange for your Medicare number, that’s a huge red flag. While some services are covered by Medicare, be cautious about anything that sounds too good to be true.
Incorrect or Unfamiliar Charges: Always review your Medicare Summary Notice (MSN) or Explanation of Benefits (EOB). If you see charges for services you didn’t receive, contact the provider immediately.
Pressure to Join a Plan or Buy a Product: Scammers may pressure you to sign up for a plan or buy a product that you don’t need. Take your time to make decisions and consult with a trusted advisor if needed.
How to Protect Yourself From Medicare Fraud?
Here are some ways to protect yourself from Medicare Fraud:
Safeguard Your Medicare Number: Treat your Medicare card like a credit card. Don’t share it with anyone except your trusted healthcare providers.
Be Informed: Know what services and treatments are covered by your Medicare plan. Review your benefits regularly and ask questions if something doesn’t seem right.
Keep Track of Your Medical Bills: Stay organized by keeping records of your appointments, prescriptions, and any medical services you receive. This will make it easier to spot discrepancies on your billing statements.
Report Suspected Fraud: If you believe you’ve been a victim of Medicare fraud or notice suspicious activity, don’t hesitate to report it to:
Medicare: Call 1-800-MEDICARE (1-800-633-4227) or visit www.medicare.gov.
The Department of Health and Human Services Office of Inspector General (OIG): You can file a report online at oig.hhs.gov.
What Happens After Reporting?
Once a fraud case is reported, Medicare’s fraud prevention team will investigate the issue. If fraudulent activity is found, it could result in fines, loss of provider licenses, or even criminal charges against the perpetrator. Additionally, reporting helps Medicare improve fraud detection measures to protect other beneficiaries.
Final Thoughts
Medicare fraud is a real threat, but with awareness and vigilance, you can protect yourself and your healthcare benefits. Always question anything that seems suspicious and don’t hesitate to report anything unusual. Your attention to detail can help stop fraud and safeguard your Medicare benefits.
About Me
I hope that you have found this information to be interesting and informative. I’m an independent insurance agent with over 15 years of experience specializing in Medicare Supplement insurance, primarily in California. As an independent agent, I work with most of the major insurance carriers including Ace Property and Casualty, AFLAC, Mutual of Omaha, Cigna, Blue Shield of CA, Anthem Blue Cross, Health Net, Aetna, etc.
I have hundreds of clients, and I shop around for them every year. Please click here to see some of my client testimonials.
FINAL TIP: If you have any questions, or if you know anyone that is turning 65 or starting Medicare, or if you would like for me to shop around for you, I’m happy to help, and there is no charge for my service!!! Please feel free to call me or send me an email! Also, please feel free to forward this blog to anyone you know who may be interested.
As of July 1st, 2020, under Senate Bill No. 407, the California Birthday Rule will be changing. Under the current law, for those individuals that have a Medicare Supplement, also known as Medigap, you can change your current plan to any Medigap plan that offers benefits “equal to or lesser than” your current plan during the 30 days following your birthday each year.
Under the new law, you will have the same opportunity to change plans, but the 30 day period has been extended to 60 days.
Nationwide, there are 10 standardized Medigap plans to choose from, Plan A through Plan N. The term “standardized” means that every Plan F, every Plan G, every Plan N, etc. has the same exact coverage and benefits no matter what insurance carrier you have your coverage with. In other words, Plan F is Plan F, Plan G is Plan G, Plan N is Plan N, etc. Because Medigap plans are standardized, it is much easier to compare “apples with apples.”
Medigap Plans Are Standardized but Rates Aren’t
Although Medigap plans are standardized, Medigap rates are not standardized, and they vary widely between insurance carriers. For example, in the 92009 zip code in San Diego, for a 72 year old male, Plan G rates range from $165.78 per month to $223.47 per month. That’s a difference of $57.69 per month or $692.28 per year for the same identical plan and coverage!
Medigap rates are based primarily on your age and zip code, and whether you use tobacco or not. In California, rates usually increase every year as we get older. An insurance carrier that has competitive rates this year may increase rates and not be as competitive next year. For this reason, it is very important to take advantage of the California Birthday Rule and shop around every year to make sure that you aren’t paying too much money for your Medigap insurance premiums.
This is a free service that I provide to all of my California clients every year around their birthday.
NOTE:You can change your Medigap plan or insurance carrier any time of the year, but if you do so other than around your birthday, you will have to answer health questions on the application, and your application will be medically underwritten, and you could be turned down for coverage. If you have a serious health condition, you should definitely take advantage of the California Birthday Rule and apply around your birthday. That way, you cannot be turned down for coverage, REGARDLESS OF YOUR HEALTH.
Innovative Medigap Plans Are Also Changing On July 1st
There is another significant change that will be occurring beginning on July 1st under Senate Bill No. 407. Several insurance carriers have recently introduced new “Innovative” Medigap plans that are the same as the standardized plans, but they also include some additional non-medical coverage for such things as hearing and vision.
For example, Blue Shield of California replaced their “standardized” Plan F with a different plan called “Plan F Extra.” Anthem Blue Cross offers two different Plan F Medigap plans, Plan F and “Plan F Innovative,” which also includes some additional coverage for vision and hearing. And Health Net now offers two different Plan F supplements as well, Plan F and “Plan F Innovative.” Blue Shield currently offers two Plan G Medigap plan, Plan G and “Plan G Extra,” and Health Net offers Plan G and and a “Plan G Innovative” plan as well.
As you can see, the recent introduction to these newer innovative plans has made the Medigap marketplace confusing and defeated the purpose of having standardized Medigap plans. It is no longer so easy to compare Medigap plans and benefits because the “extra” and “innovative” benefits are all similar yet slightly different from each other.
The real problem however, is that when someone wants to take advantage of their open enrollment period under the California Birthday Rule, Blue Shield and Anthem Blue Cross do not allow someone with a “regular” Plan F or Plan G to switch to one of their “Extra” or “Innovative” plans. Both of these companies claim that their innovative plans have “richer” benefits, and they do not qualify under the California Birthday Rule.
Furthermore, Blue Shield no longer offers their “regular” Plan F, only their Plan F Extra, so this has prevented anyone with Plan F with a different insurance carrier to switch to Blue Shield’s Plan F during their annual open enrollment period under the birthday rule. And you would think that someone with Blue Shield’s Plan F Extra could switch to Anthem’s Plan F Innovative plan under the California Rule or vice versa around their birthday, but no. Neither carrier will accept these plans during someone’s 30 day open enrollment period because they consider their plans superior to the other carrier’s plan.
NOTE:Health Net has always allowed someone with the “regular” Plan F or Plan G to switch to their Plan F Innovative or Plan G Innovative plans.
As of July 1st, 2020, Blue Shield of California, Anthem Blue Cross, and all insurance carriers are now required to accept any Plan F or Plan G Medigap plans for any of their innovative Medigap plans under the California Birthday Rule! For example, if you have Plan F with Mutual of Omaha, you can now switch to Blue Shield’s Plan F Extra or Anthem’s Plan F Innovative plan under the birthday rule.
Which is Better, Plan F or Plan G?
Many people with Plan F have switched to Plan G because both plans are identical except Plan F covers the Medicare Part B deductible, which is currently $198 per calendar year, and Plan G does not cover the Part B deductible. Other than that, both plans are identical in coverage.
NOTE:The Medicare Part B deductible can change from year to year, but historically, it has never increased significantly.
Since the only difference between Plan F and Plan G is the $198 Medicare Part B deductible, if you can save more than $198 per year on your premiums by switching from Plan F to Plan G, then Plan G ends up being more cost effective.
If you are saving exactly $198 per year, you are breaking even, and you’re better off staying with Plan F. If you are saving $300 or more per year by switching, it will definitely cost you less money by switching from Plan F to Plan G.
NOTE:If you decide to switch from Plan F to Plan G, and you have already met the $198 Medicare Part B deductible for the current year, you would not have to pay that deductible again until the following year.
Conclusion
As of July 1st, 2020, your annual open enrollment period under the California Birthday Rule is increasing from 30 to 60 days after your birthday. Most carriers will let you apply for coverage during the 30 days prior to your birthday, but the effective date of your new policy would normally be the 1st of the month following your birthday. And if you have Plan F or Plan G with another insurance carrier and you want to switch to an “Innovative” plan under the birthday rule with Blue Shield of CA, Anthem Blue Cross, Health Net, etc., you can now do so.
Since rates vary significantly between insurance carriers for the same identical plan and coverage, it is important to shop around, EVERY YEAR, to make sure that you aren’t paying too much.
As an independent insurance agent specializing in Medicare Supplement (Medigap) insurance, I work with all the major insurance carriers in California and several other states. If you have any questions or if you would like for me to shop around for you to save you money on your Medicare Supplement insurance, please don’t hesitate to let me know.
Ron Lewis
CA Lic# 0B33674
760.525.5769 (Cell)
760.718.1600 (Toll-free)
Ron@RonLewisInsurance.com www.MedigapExpress.com
I can’t really take credit for writing the bullet points below (they were sent to me in an email), but I thought this was the best and simplest explanation I’ve seen so far to describe Obamacare…
In order to insure the uninsured, we first have to un-insure the insured.
Next we require the newly un-insured to be re-insured.
To re-insure the newly un-insured, they are required to pay extra charges to be re- insured.
The extra charges are required so that the original insured, who became un-insured, and then re-insured, can pay enough extra so that the original un-insured can be insured for free.
There… Now you understand what is going on.
This is exactly what happened to my family. We were happily insured and then we received our cancellation letter from Blue Shield, which I affectionately refer to as “BS.” 😉 Before the Affordable Care Act (ACA) was implemented, our health insurance coverage for EIGHT family members was $975.60 per month, which I thought was a little pricey. BS told us that a “comparable” ACA plan was the “Bronze” plan, which was the cheapest ACA plan available. Our “new and improved” ACA health insurance rates more than doubled to $1,995.48 per month! Wait a minute, I thought President Obama promised to save the average American family $2,500 per year? (Please click here to see for yourself.)
Besides that, our co-payments and deductibles increased significantly from what they were before, but I am thankful to now have maternity coverage, even though I’m a 61 year old male! I’m also relieved to know that more than 16,000 new IRS agents have been hired to enforce Obamacare!
Although I’m laughing and joking about this on the outside, it’s really no laughing matter because the simple explanation mentioned above is true! Real people are being harmed by this reckless law, and millions more are being adversely affected by the ACA than those who are benefiting from it. For more details about our personal experience, please refer to my earlier blog, “Is the Affordable Care Act Really Affordable?”
…
A story published by “The Hill” last week is forecasting skyrocketing health insurance premiums for the Affordable Care Act’s (ACA) new health insurance exchanges. The story cites insurance industry insiders who said they expect the price of monthly premiums to increase significantly. The outlook runs contrary to the comments of Health and Human Services Secretary Kathleen Sebelius who downplayed the likelihood of sticker shock next year while addressing members of Congress two weeks ago. The unnamed insiders mentioned in “The Hill” story said a combination of new ACA taxes and fees, rule changes, and delays in the enforcement of certain requirements will likely contribute to higher than expected rates for next year. According to the story, not everyone will experience sticker shock. Rates are likely to vary depending on the region of the country and the availability of doctors in the area. The rates for 2015 won’t be announced until fall. Please click here to view the article.
Medigap Shopper News 