What is Supplemental Medicare and Who Offers it in California?

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Some of the important health insurance companies of California include Anthem Blue Cross, Health Net, Kaiser Permanente, PacifiCare, Blue Shield of California and Aetna. Supplemental medical insurance is a private health care policy provided by private insurance companies. These plans provide many health care expenses which are not covered under the original health care insurance policy. It is also called Medigap because it covers the gap left by original health care insurance policies.

To be eligible for supplemental Medicare policy, it is required for you to enroll in part A and B of original health insurance policy. Either you can opt for these plans during open enrolling period or you can undergo medical screening and buy the policy individually.

The supplemental Medicare plans in California are sold by private insurance companies which are allowed to offer 12 such standard plans. Each plan comes with different benefits though all the benefits cover under part A and B are also found in all these insurance plans (because they are part of basic health insurance plan).

Those planning to enroll for supplemental Medicare policies in California should be aware there are some terms and conditions to participate in the same. If you have enrolled in Standalone Part D, you cannot continue to avail drug coverage. Whichever company in California you buy the supplemental Medicare plan from; the plans offer the same benefits though the premium may vary.

Out of Supplemental Medicare companies in California, Blue Shield of California belongs to Blue Shield Association and is a high quality health care company at affordable prices. It was established in 1939 and it is not for profit health plan having about 3.2 million members and it is one of the largest health plan networks in the state.

Kaiser Permanente was established in 1933 with a view to cater for a few thousand people located in Los Angeles and today it has grown into billion dollar company which provided health insurance services for other ten states (apart from California) as well. It is a largest non profit health plan in the country with about 9 million members across the country. Some extra benefits provided by the company to the members of the California include immunizations, energy infection visits, eye examinations, first post Partum visit and family planning.

Cigna Health of California is about 200 years old company which was established in 1792. The company offers international, health care and group insurance plans. Other plans offered by it include supplemental insurance products, accident, dental, disability and life covers. The company offers Health Maintenance Organization (HMO) plans in which participants have the freedom to select their primary doctor in the company's HMO network. Other additional benefits include support for chronic diseases, member discounts, personal assistance, round the clock access to their health information.

Aetna of California offers different plans including pharmacy benefits, disability insurance, dental insurance and life covers to the people. It has over 15 million members and about 15 million group health participates along with 13 million people participating in dental plans. The company was established in 1850 which now covers all the states in US. You can choose wide variety of plans which include basic hospital only plan, co-payment for doctor's visit, deductible plans and high deductible HSA compatible plan.

By: William Jones Richards

The ref="http://www.medicaresupplementplans.com">Medigap insurance and ref="http://www.medicaresupplementplans.com">Medigap California available here.

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