Thank you for visiting my website! I help Medicare beneficiaries in California, Nevada, and several other states review their Medicare Supplement (Medigap) coverage each year and determine whether they may be eligible to change plans without answering health questions.
There is no charge for my service, and in many cases I can help clients lower their premiums while keeping the same identical plan and coverage.
Insurance premiums are the same whether you enroll through an independent agent or directly with an insurance company. My role is simply to help you compare your options and make sure you’re getting the best value available.
Nationwide, there are 10 standardized Medigap lettered plans to choose from, Plan A through Plan N. When I say “standardized,” that means that the coverage and benefits for every lettered plan are exactly the same regardless of what insurance carrier you sign up with. In other words, Plan G is Plan G, Plan N is Plan N, etc., regardless of what insurance carrier you are with. So it’s much easier to compare "apples with apples" since the coverage and benefits with every lettered plan is exactly the same no matter which insurance carrier offers it.
NOTE: Due to the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), Medigap Plan F and Plan C were discontinued for new Medicare beneficiaries starting on January 1st, 2020. This legislation eliminated the availability of Medigap plans that cover the Medicare
Part B deductible for individuals who became eligible for Medicare on or after that date. However, Plan F and Plan C are still available for people who were eligible for Medicare before 2020 or who already have one of those plans. They just aren’t available for those individuals that turned 65 or started Medicare on or after January 1st, 2020.
In California and in most states, rates are based primarily on your "attained" age, so they are constantly changing and they go up in price as we get older. Besides your age, there are other variables that can affect rates such as your zip code, whether you live with someone, and whether you use tobacco products, etc.
Although Medicare Supplement plans are standardized, the rates that various insurance carriers charge for these products are NOT standardized, and there is a significant difference in price from one insurance carrier to the next for the same identical plan and coverage!
For example, right now in the 92024 zip code (San Diego), the Plan G rates for a 70 year old single female range from $198.30 to $319.79 per month, which is a difference of $121.49 per month or $1,457.88 per year for the same identical plan and coverage!
As an independent agent, I work with ALL the major insurance carriers in California, Nevada, and several other states. (A captive insurance agent works for only one insurance carrier and can only offer that insurance carrier's products.) Consequently, I work for YOU, not a particular insurance company. I will do the shopping for you, EVERY YEAR, to make sure that you aren't paying too much for your Medigap insurance, and THERE IS NO CHARGE FOR MY SERVICE!
Here are some of the insurance carriers that I work with:
If you’re turning 65, you have a special opportunity to enroll in Medicare during your Initial Enrollment Period (IEP). This is a 7-month window that begins three months before your birthday month, includes your birthday month, and continues for three months after. Enrolling during this time helps ensure your coverage starts on time and allows you to avoid potential late enrollment penalties.
During this enrollment period, you can sign up for Original Medicare (Part A and Part B), sign up for a Prescription Drug Plan (Part D), and apply for a Medicare Supplement (Medigap) plan. For many people, this is the best time to review your options and select coverage that fits both your healthcare needs and your budget.
If you are considering a Medicare Supplement (Medigap) plan, there is also an important 6-month Medigap Open Enrollment Period that begins when your Medicare Part B coverage starts and you are age 65 or older. During this time, you can choose any available supplement plan without answering health questions or worrying about being declined due to pre-existing conditions. After this window ends, approval for a Medicare Supplement plan requires medical underwriting, and coverage may be declined in many cases. That’s why it’s important to review your options while this protection is available.
My practice focuses on helping clients enroll in Medicare Supplement (Medigap) coverage. Many people appreciate the flexibility to see any doctor NATIONWIDE who accepts Medicare and the long-term stability these plans provide. For clients in California and Nevada, there are additional protections that may allow you to change supplement plans later without medical underwriting through the California and Nevada Birthday Rule. If you’re new to Medicare, the choices can feel overwhelming, but I’m here to help make the process simple and confident from the start.
As an independent agent, I work with all the major insurance carriers, not just one company. I shop the market for my clients every year to help make sure they are not paying more than necessary for their Medigap coverage.
If you have questions about signing up for Medicare or would like to compare Medigap plans or rates, please don't hesitate to reach out. Please click here for my contact information.
If you have any questions or would like a free, no-obligation Medicare Supplement quote, please don’t hesitate to contact me. There is no charge for my service, and I’m always happy to help.
Most questions can be answered with a quick phone call.
You can reach me by phone or email, or visit my Contact page for my full contact information.
Thank you!
Ron Lewis
(760) 525-5769 - Cell
(866) 718-1600 - Toll Free