Medicare is a federal health insurance program that pays most of the health care costs for people who are 65 or older. It will also pay for health care for some people under age 65 who have disabilities.
You can buy Medicare supplement insurance to help pay some of your out-of-pocket costs that Medicare won’t pay. Because it helps cover some of the “gaps” in Medicare coverage, Medicare supplement insurance is often called Medigap insurance.
Medicare Supplement plans in San Jose can vary in cost depending on the company, plan, and zip code. Generally, California Medigap rules are the same as all other states. In this context, we’ll discuss the different options Texans have with Medicare and the state-specific guidelines you should know.
Best Medigap Plans in Cupertino
There are 10 standardized Medicare Supplement (Medigap) Plans available. Out of the ten plans, the most popular plans are Medicare Supplement Plan F which covers 100% of all costs, followed by Medigap Plan G (the best value plan), and lastly Plan N (which has copays).
Cupertino Medigap Insurance Costs
This depends on the level of benefits you want. If you want the most benefits with the lowest premium, then a high-deductible plan might be your best option. They cost between $30-$45 a month.
If you don’t want a high-deductible, then a standard plan will cost around $100 a month. The average Medicare Plan G in Cupertino costs between $95-$160 per month. While costs vary among insurers, the benefits don’t change.
That’s why it’s crucial to compare the same letter plan across multiple carriers. There are many different factors that can impact your rates.
Call us directly at (877) 238-6964 for a free quote today!
Best Medicare Advantage Plans in CupertinoMedicare Advantage (Part C) plans in Cupertino come in the form of an HMO or PPO and combine Medicare Parts A + B. Generally Medicare Advantage plans are less than $50 per month and include drug coverage and other additional benefits.
When Can You Enroll in a Medicare Supplement Plans?
The enrollment periods for Medicare and Medigap policies in Cupertino are not the same. Medicare enrollment doesn’t include a Medigap policy. You’ll need to buy your Medigap policy separately. Call us directly (877) 238-6964 at for a free quote today!
There are two times you can add a Medicare Supplement plan to your Medicare coverage:
Medigap Open Enrollment Period: Your Medigap Open Enrollment Period is a six-month period starting the month you turn 65 and are enrolled in Medicare Part B. This is the best time to enroll because you’ll have the most options and the best prices. During this period, you can sign up for any Cupertino Medigap policy regardless of your health history.
Outside Open Enrollment Period: You can buy a Medicare Supplement plan anytime you’re enrolled in Medicare Part A and B. Insurance companies can deny coverage or charge you more based on any health problems you have when you apply outside of your Open Enrollment Period.
The exception is if you have a guaranteed issue right because you lost health coverage in certain circumstances. If you have a guaranteed issue right, Medigap providers in Cupertino can’t charge you more or limit your policy choices based on your health. You’ll need to show the insurance company proof that you lost health coverage to get a guaranteed issue.
More Information About Cupertino
Cupertino is a city in California's Silicon Valley. Known as the headquarters of Apple, it's also home to parks like trail-lined Rancho San Antonio Open Space Preserve, with a working farm. Fremont Older Open Space Preserve has equestrian routes. The McClellan Ranch Preserve is a former horse ranch with a nature museum. Set in a stately late-1800s mansion, the California History Center has regional history displays.