The Best Value Medigap Coverage and Supplemental Insurance
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Medicare supplements are standardized by the government so there are two major criteria: Company stability and monthly premium. As an independent insurance broker, our main goal is to alert our clients to the best value taking in to consideration the above concerns.

Medicare Supplement Bulletin

85% of Medicare Supplement applicants choose the F plan.

The first question when choosing a company is stability

With any kind of insurance, what you buy today might not be what you have tomorrow. If an insurance carrier runs into financial trouble, they can increase rates, leave the area or business...either way you lose. In the next 3-5 years, a lot of carriers will have difficulties because of the increasing costs. Lifeguard filed for Chapter 11. Health Plan of Redlands went bankrupt. Pacificare (Secure Horizons) has had a rough few years resulting in them pulling out of multiple counties all together. A strong carrier is the first concern. That being said, Blue Cross of California is by far the strongest carrier. They are owned by a company called Wellpoint which has been voted the most admired health care company in the nation multiple years in a row. Stability of the company means rate stability and coverage reliability in the future.

The second question when choosing a Medicare supplements is RX

With the new Part D for medication, we can concentrate on the core benefits for Medicare supplements. Traditionally, the F plan has been a very good value because it offers coverage for Medicare key gaps such as the 20% co-insurance, excess (amount providers can charge up to 15% higher than what Medicare allows) and the two deductibles (Part A and B). Before Part D, we had to look at the H, I, or J plan for medication coverage but is no longer the case. The best value on the market tends to be the F plan and that is why 85% of Medicare supplement purchasers go that direction.