Medical Supplement Policies

Medicare Supplement Policies aks Medigap Policie

12 Standardized Plans (A-L)

or 10+2 high deductible plans)

A=Core

B-L= Broader

F & J available with high deductible option.

high deductible = lower premium

K &L take coinsurance approach and has Out-Of-Pocket Limit

Medicare SELECT plan

Plan A (Core Plan)

within 6 months of enrolling for Part B, app for Med Supp cannot be declined or premiums increased

Pre-existing conditions may be excluded up to 6 months.

Noncancelable

Guaranteed Renewable

All Medicare Supplement Policies have a 30 days Free-Look period

An agent must deliver the following to a medicare supplement applicant at the time of initial solicitation:

Medicare Supplement Policies are NOT endorsed by the government

Medical aka Medicaid

Share of Cost

Agents CANNOT sell any health insurance to a MEDI-Cal BENEFICIARY who is age 65 or older

Disability Applications must contain question to determine if Medi-Cal BENEFITS are being received by applicant