Medigap

Parent Q&A

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  • Hi there!

    I'm helping my parents relocate to East Bay and in this process, I'm also helping them transition to Medicare. I'm trying to understand the difference between Medicare Advantage plans, Medicap supplemental plans and whether it makes sense to have one vs the other, or both. I would love to spend 15-30 mins with another BPN parent who has gone through this before. Would love advice! 

    Thanks so much!!

    Dany

    Legal Assistance for Seniors has good programs and advice on Medicare.

    My husband is approaching retirement and I bought a book on amazon called "Medicare Simplified: What Retirees Need to Know About Medicare in 100 Pages or Less" which was really helpful.  Very clear language and very direct.  

    While I’m unable to provide personal advice, I would highly recommend contacting HICAP https://cahealthadvocates.org/hicap/. They provide FREE insurance and advocacy support and can definitely answer your questions. 

    I highly recommend the California Healthcare Advocates free service HICAP. When my father-in-law moved to CA from TX a few years ago to begin cancer treatment, the advocate I worked with was very knowledgeable and helpful in evaluating options and getting appropriate coverage in place.

  • Hi, I'm looking for a Medigap Plan G for our area but the websites keep directing me to Medicare Advantage, which I don't want. Can anyone recommend a plan? Or a local broker? Thank you!

    In 2021 I helped my mom sign up for the Medigap Plan G (High Deductible). She had relocated from the East Coast. We went with Mutual of Omaha. For all these policies there are only a few of companies to go through for California, and not all offer each plan. I think there is a plan-finder on Medicare.gov that will tell you exactly which companies will sell a particular plan. Eventually, you'll just have to get on the phone with one company or the other to verify the cost and sign up. [99% of info on the web is geared toward having you sign up for Advantage plans because that is where the money is for insurance companies.] Good luck.

    We had a wonderful experience working with Philip Lee for my mom's Medicare. He was very knowledgeable and patient. 

    Medicare Plans | Lee Health Insurance Services (health-insurance.com)

    Contact Kent Alexander at kalexander [at] bhpins.com / (510) 381-4658 for help with signing up for Medicare (his services are free.) For Medicare “G” we went with the plan offered through AARP.