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Get ready to master Medicare with our informative seminars! Perfect for those turning 65, we’ll guide you through Medicare basics, how to apply for Medicare, and transitioning from employer-sponsored insurance. Our expert-led sessions simplify Medicare, offering tips and resources to help you make confident decisions. Join us for clear, step-by-step insights and start your Medicare journey with ease.
Medicare News and Updates!
Annual Enrollment Period
The Annual Enrollment Period is NOW!.
Every year between October 15 to December 7, Medicare beneficiaries have the right to make changes to their Medicare coverage.
Insurance agents are allowed to share 2024 Medicare health plan benefits and changes starting October 1.
Here is why AEP is crucial for Medicare beneficiaries:
- Plan Renewal: Medicare plans can change their benefits, costs, and provider networks each year.
- Changes in Benefits: Reviewing plans during the AEP helps ensure your coverage aligns with your healthcare needs and offers the best benefits.
- Cost Considerations: Comparing plans allows you to find options with lower premiums and cost-sharing, potentially saving you money.
- Changing Healthcare Needs: Assess if your current plan covers your medications and services adequately, especially if your health needs have changed.
- Flexibility and Satisfaction: Utilizing the AEP allows you to switch plans, ensuring you’re satisfied with your Medicare coverage.
Schedule your 2024 Plan Review today! https://francostellainsurance.com/MedicarePlanReview
**San Diego Medicare Beneficiaries!
Scripps Coastal and Scripps Clinic
As of 01/01/2024 Scripps Coastal and Scripps Clinic will no longer be accepting Medicare Advantage HMO plans.
If you are a a patient or member that is affected, you have a few choices:
- Medicare Supplement: Original Medicare would be the primary insurance and the Medicare Supplement would be secondary and pays after Original Medicare does. You have access to providers across the nation without referrals, as long as they accept Medicare. You would typically need to go through an underwriting process where you answer a few health questions to determine if you the carrier will insure you or not.
- Right now you have a chance of having a Guarantee Acceptance into a Medicare Supplement!
- Medicare Advantage PPO: This is another way to get your Medicare Coverage. A PPO plan has a network of doctors and other providers, and allows you to see providers out of the network where you pay a higher cost-share.
- Scripps Coastal and Scripps Clinic will accept MAPD PPO plans as an out of network provider.
- Medicare Advantage HMO: These plans tend to be more attractive with low to no premiums, deductible and copays with some added benefits not covered by Original Medicare.
- As we already know, unfortunately Scripps Clinics and Scripps Coastal will not accept MAPD HMO plans as of 1/1/2024.
- This is a chance to shop for another MAPD HMO plan that may have richer benefits than your current plan. You will have to choose a new primary care physician and medical group.
Do you have any questions or need assistance with a personalized plan review? I’m here to help!
Call me : (619) 632-3488
Medi-Cal Unwinding and Redetermination
For individuals with Medicare and Medicaid (Medi-Cal), it is essential to ensure that the Social Security Administration and your local Medicaid Office have your current and accurate contact information on file.
Please be aware that redetermination letters will be dispatched in a distinctive yellow envelope. It is crucial to promptly complete and return the requested documents by the specified expiration date.
In the event that you are no longer eligible for Medicaid, rest assured that you will be granted a Special Enrollment Period. This period will afford you the opportunity to make any necessary adjustments to your Medicare coverage that align with your updated circumstances.
Special Enrollment Period
Do you need to make a change to your existing health plan?
You may be able to make a change if you qualify for a Special Enrollment.
- Have you recently moved?
- Have you lost coverage?
- Do you have limited income and resources?
- Do you have a chronic illness such as diabetes?
These are just a few situations that may qualify you to make changes.
Contact me to help you explore other qualifying events!
Medicare Advantage: Discover our comprehensive Medicare Advantage plans that combine medical, prescription drug, and additional benefits into one convenient package. Enjoy enhanced coverage and flexibility tailored to your healthcare needs.
Part D Prescription Drug Plans: Ensure affordable and reliable coverage for your prescription medications with our range of Part D Prescription Drug Plans. Access a wide network of pharmacies and enjoy peace of mind knowing your medication needs are taken care of.
Medicare Supplement Plans: Fill the gaps in your original Medicare coverage with our Medicare Supplement Plans. Experience greater financial protection and access to a broad network of healthcare providers, giving you confidence in your healthcare decisions.
Are you new to Medicare?
Learn when you need to sign up and the steps you need to take to avoid a late enrollment penalty.
Individual & Family Plans
Individual & Family Plans: Explore individual health insurance plans for individuals and families under 65 compliant with the Affordable Care Act (ACA) or Obamacare.
On-Exchange Plans: These are health insurance plans that are purchased through the government-run exchanges established under the ACA. These exchanges are either run by the federal government (through HealthCare.gov) or by individual states. On-exchange plans are standardized and categorized into tiers (Bronze, Silver, Gold, and Platinum) to make comparison shopping easier. Importantly, only on-exchange plans are eligible for income-based subsidies that can lower the cost of premiums and out-of-pocket expenses.
Off-Exchange Plans: These are health insurance plans that are purchased outside of the government-run exchanges, directly from an insurance company, through a broker, or through a private exchange. Off-exchange plans can offer more variety and may include plans that do not meet all the ACA’s requirements. However, off-exchange plans are not eligible for income-based subsidies, even if they’re ACA-compliant. This means that unless you get a premium-free off-exchange plan, you’ll pay the full cost of the plan.
We offer coverage options through both Covered California and the Federal Marketplace with an easy shop and compare platform called Health Sherpa, ensuring access to quality insurance and potential subsidies based on your income.
Term Life Insurance: Safeguard your family’s future with our flexible and affordable term life insurance. Choose coverage that suits your needs for a specific period, providing financial security and protection during life’s uncertainties.
Whole Life Insurance: Enjoy lifelong peace of mind with our whole life insurance policies. Receive a death benefit to protect your loved ones and build cash value over time, providing additional financial security and potential for savings.
Universal Life Insurance: Explore the benefits of our universal life insurance, offering flexible coverage and potential cash value accumulation. Protect your family’s financial well-being while maintaining the ability to adjust your coverage as life changes.
Final Expense Insurance: Ease the financial burden on your loved ones during a challenging time with our final expense insurance plans. Ensure your end-of-life expenses are covered, providing financial relief and peace of mind.
Discover swift, stress-free life insurance solutions with our streamlined online platform. In mere seconds, you can obtain a quote and complete your application within minutes, all without the pressure of a sales agent or tedious form-filling. Experience the ease of securing your future, right from your home.
Dental & Vision
Dental Insurance Plans: Take care of your oral health with our comprehensive dental insurance plans. Access coverage for preventive care, fillings, extractions, and other dental services, ensuring a healthy smile and potential cost savings.
Vision Insurance Plans: Prioritize your vision health with our vision insurance plans. Benefit from coverage for eye exams, prescription eyewear, and discounts on vision care services, ensuring clear vision and overall eye health.
Dental & Vision Discount Programs: Access our dental, vision, and prescription drug discount programs, providing savings on dental treatments, eyewear, and medications. Enjoy discounts from a wide network of providers to make your healthcare more affordable.
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