Choosing a Medicare Supplement Isn't Easy

Receive FREE Expert Help!

Background:

Brian Gray was born in London, England in 1945.

He studied as an engineer and moved to California in 1979 where and became an American citizen.

In 1982 Brian decided to become involved in the health care insurance industry.

He learned that very few people were knowledgeable about Medicare Supplement insurance and decided to specialize in this coverage..

Brian believed that seniors deserved to have the best coverage at the best price. He implemented a system that allowed people to compare insurance policies, thereby enabling them to purchase the policy they truly needed.

He spent more than seventeen years developing the practical tools which allowed people to make the right decisions, while at the same time conducting seminars and consultations at Senior Centers and Senior Programs at Hospitals in Los Angeles County and Orange county.

Feel free to call Brian for the best Medicare quotes on the plans that will work best for your needs.

Frequently Asked Questions:

Is Medicare needed for Medigap coverage?

Yes. Medigap is a term often used to describe Medicare Supplement plans. Medicare Supplement plans are supplementing what Medicare pays. If there is no Medicare in place then there is nothng to supplement.

What is the definition of Medicare?

A very simple Medicare definition is that it is Federal Health Insurance for people over 65 years of age or on Medicare Disability.

What is Medicare Blue PPO, Blue Medicare PPO or Freedom Blue Medicare?

Blue Cross of California has a Medicare Advantage PPO called the Freedom Blue PPO. more information available here or contact us for more details

What do I need to know about California Medicare Supplemental Insurance?

The correct Medicare Supplement together with the right Medicare Part D prescription drug plan would give you the best coverage available under the Medicare System. Medicare Advantage plans are available that may cost you less per month, but the coverage will not be the same.

Who are the Medigap insurance providers?

There are multiple companies offering Medicare Supplement plans in California. It is a good idea to talk to an expert to determine which plan from which company will best suit your needs.

Glossary of useful Medicare terms - Medicare glossary

Useful web sites

Medicare Supplement . Medicare Plan F. Medicare Plan C. Medicare Disability. The purpose of this website is to provide consumers with the information needed to make better decisions regarding the purchase of Medicare Supplement insurance. California Department of Insurance. http://www.insurance.ca.gov/0100-consumers/0060-information-guides/0050-health/medicare-supplement/index.cfm

Medicare supplemental insurance plan. There are 12 Medigap plans designed to help fill the gaps in Medicare. Medicare Rights Center. Medicare Supplement Plan. http://www.medicarerights.org/medigap_a-j.html

Medicare supplement ins. Standardized Medigap Plans and Benefits.Chart of ten standardized plans. US Department of health and human services. http://www.medicare.gov/publications/pubs/pdf/finalmed.pdf
http://www.medicarerights.org/medigap_a-j.html

Medigap California. What is Medigap? Questions about Medicare Supplements. California Department of aging. http://www.aging.ca.gov/html/whatsnew/cda_public_notices/medicare_beneficiaries.html

Medigap health insurance. Medigap policies (also known as Medicare supplement policies) are offered by insurance companies, but their benefits are determined by the federal government. Medigap policies work in conjunction with traditional Medicare coverage. California Healthcare Foundation. http://www.chcf.org/press/view.cfm?itemID=101878

Medicare supplement plan California. California department of insurance. http://www.insurance.ca.gov/0100-consumers/0060-information-guides/0050-health/upload/Guide_to_Med_Supplement_Ins_Final.pdf

Medigap plan. California Healthcare Foundation http://www.chcf.org/topics/healthinsurance/index.cfm?subsection=consresources

California Medicare Supplement. Congressman Brian Bilbray’s office helps lots of constituents who have questions about Medicare. http://www.house.gov/bilbray/case_medicare.shtml

senior health insurance plan. A place for senior citizens to air grievences regarding. Health insurance for senior citizen. Medicare ppo. CalMedicare.org gives you accurate, unbiased information about Medicare benefits for people who live in California. http://www.calmedicare.org/

Medicare Supplement ins. For senior citizens. medigap plan http://www.insuranceprofessor.com/medicare-pages/medicare_history.php

Medigap insurance quote. Medicare supplement quote http://www.insuranceprofessor.com/medicare-pages/medicare-supplement-ppo-instant-qutoes.html

History of Medicare http://www.ssa.gov/history/pdf/hlth_care.pdf
http://www.insuranceprofessor.com/medicare-pages/medicare_history.php

Senior health insurance plan Medicare Resources http://www.ssa.gov/mediinfo.htm

Medicare disability. Health insurance for senior citizen. Social Security Medicare http://www.ssa.gov/

Medicare supplement blue cross http://www.bcbs.com/

Medicare supplement blue cross of California http://www.bluecrossca.com/home-visitors.html

Medicare supplement blue shield http://www.bcbs.com/

Medicare supplement blue shield of California http://www.regence.com/

Medicare Advantage PPO. Blue Cross Freedom Blue. Medicare Blue PPO. Freedom Blue PPO. Freedom Blue. Medicare PPO Plan. Medicare ppo. http://www.medicare.gov/Choices/Overview.asp

Medigap plans California - See MedicareProfessor.com

Insurance Professor www.InsuranceProfessor.com

Medicare part D. www.medicare.gov/
www.insuranceprofessor.com/medicare-pages/part-d.php

California Medicare PPO. Medicare PPO.
Blue Cross Freedom Blue Medicare Advantage PPO.
http://www.insuranceprofessor.com/medicare-pages/ppo.php

Instant online Quotes. http://www.insuranceprofessor.com/medicare-pages/medicare-supplement-ppo-instant-qutoes.html

Medicare wikipedia page. http://en.wikipedia.org/wiki/Medicare_(United_States)

Medigap wikipedia page. http://en.wikipedia.org/wiki/Medigap

Comparison shopping for health coverage, rate a doctor, research and review doctor and dentist, compare prices for surgery or hospital procedures at Vimo.
www.vimo.com

MEDICARE SUPPLEMENT INSURANCE: MEDIGAP
http://www.medicareadvocacy.org/Materials_MainPage.htm
http://www.medicare.gov/medigap/default.asp
http://hiicap.state.ny.us/mgap/index.htm
http://www.cms.hhs.gov/Medigap/
http://longtermcare.state.wi.us/home/medigap_helpline.htm
http://www.nolo.com/resource.cfm/catID/78C2EDE3-26CD-4021-82F5F8189E88FDD0/118/207/201/

MEDICARE ADVANTAGE HMO and PPO PLANS
Most Advantage HMO’s and PPO’s have a network of doctors, hospital, and clinics. Patients are allowed to use other doctors and facilities in an emergency. Co-pays and deductibles may be charged for office visits, tests, x-rays, surgeries, hospital. There is no way to determine the charges before treatment. Most plans will have a maximum out of pocket amount per year possibly $3,000.00. There may not be any limit to the out of pocket charges if the patient goes outside of the network. If a subscriber remains on the plan longer than a year, they may not qualify for a medicare supplement due to their health. http://www.medicareprofessor.com/medicare-what-do-you-know.php

Take the test

Your Medicare Options.

Including Medicare Supplements and Medicare Advantage Plans (HMO’s PPO’s and PFFS Private Fee for Service)

http://familiesusa.org/assets/pdfs/medicare-private-plans.pdf

Fee for service. A Private Fee For Service Plan is NOT a Medicare Supplement. A Medicare Supplement gives you access to any Doctor, any hospital or any other provider in the Medicare Program. With a Private Fee For Service Plan a doctor or hospital is NOT required to agree to accept the plan’s terms and conditions, and may choose not to treat you.

Things you should Know about Medicare Part D Prescription Coverage

http://www.medicare.gov/Publications/Pubs/pdf/11136.pdf

http://www.medicare.gov/Publications/Pubs/pdf/11102.pdf

http://www.medicare.gov/Publications/Pubs/pdf/11113.pdf