WE CAN HELP YOU MAKE SENSE OF CALIFORNIA MEDICARE PLANS AND MEDICARE PLANS FOR YOU
Trust Us to Help You Find the Right California Medicare Plans FOR YOU
Here at Green Sky Insurance Services we understand that California Medicare can be confusing. Consider this site a resource for all your Medicare needs. The goal of this site is to educate you regarding the different types of California Medicare insurance.
Our goal at Green Sky Insurance Services is to develop a relationship with you for years to come. With 40 years of insurance experience, we know California Medicare. If you are looking at Medicare Advantage Plans in California or at Medicare supplements, we have you covered.
Making Sense of California Medicare Plans
Choosing between the seemingly endless variety of California Medicare companies and plans can be quite complicated.
The choice of plans, costs and coverage vary by counties in California. Our goal is to make this process if not easy, at least understandable. An informed consumer is a better consumer. For example, have you heard about the California birthday rule?
If you are healthy you can change your supplement anytime. But because of the birthday rule your California Medicare Supplement Plan can be changed every year within 30 days of your birthday, as long as you currently have a Medicare supplement plan. This means every year, if there was a large rate increase, you have the right to move to a different carrier without going through medical underwriting.
Often, people confuse Medicare Advantage Plans in California with Medicare Supplements. Here is a brief review of the differences in Medicare Supplements and Medicare Advantage Plans.
|Medicare Supplement||Medicare Advantage|
|Monthly Premiums||Premiums||As low as zero premium|
|Annual Out of pocket costs||Usually under $350||Range from $2,000 - $6,700|
|Network||None||Limited and rigid|
|Cost for chemo, radiation, etc.||Rarely a cost||Usually 20% to policy max.|
|Physical Therapy||Rarely a cost||Up to $40 each sesson|
|Health Questions||Except for open enrollment||Only "end stage renal"|
One only needs to be a Medicare beneficiary to apply for most California Medicare Plans. Many people believe you must be at least 65 to receive Medicare but this is not always the case. California Medicare provides benefits to permanently disabled people under age 65 as well.
You can also switch your HMO, PPO, or SNP plan or your Medicare Advantage Plan California. Typically, when it comes to Medicare in California – benefits and costs will change every year. We can help you review your coverage to make sure you still are receiving all the benefits Medicare has to offer at the lowest possible cost to you.
Available plans include:
- Medicare Supplement (MediGap)
- Medicare Advantage
- Medicare Advantage HMO
- Medicare Advantage PPO
- Special Needs Plans (SNP)
- Chronic Illness Plans
- Dual Eligible (Medi-Cal)
- Part D (PDP)
You can review your options on your own or turn this job over to a professional California Medicare insurance agent. We represent virtually every carrier doing business in California and will help you make the best choice for you.
Call us at 818-342-9200 at your convenience and let us help you find the right California Medicare Supplement or Medicare Advantage Plan in California.
I highly recommend Rick for your insurance needs. I have had the pleasure of working with him on many occasions over the years and he has always been knowledgeable and helpful in helping with the right policy for me. I especially like the fact that Rick responds to my phone calls or emails in a prompt manner. He genuinely makes me feel that my needs are important and takes care if them, period. That’s nice in this environment a professional that cares.
Rick Bronstein is great. He is incredibly knowledgeable and very professional. He walked us through a series of decisions, and ultimately guided us to the best insurance options available for my elderly father. He answered every question I had, and was tremendously helpful through the whole process. I would highly recommend him
I have been a client of Richard S. Bronstein, dba Green Sky Insurance, for quite a few years and he has been very helpful in obtaining Hospitalization Insurance for me.When I reached Medicare Age I relied on him once again to help me find supplemental insurance to fill the gap.When that carrier decided to opt out of the California Market I called Rick again and he came to my rescue once more.Having been diagnosed with an incurable and fatal illness some time ago it was of the utmost importance to me that I have just the right coverage for my specific need and I do. I highly recommend his company to anyone in need of insurance. Sincerely,
“Rick Bronstein is THE BEST ! He expert advice cutting through the maze and complexity of medicare supplement plans and other health plan needs plus his excellent service are reassuring to the layman. I have recommended him to 6 others who have all been similarly grateful.”
Negotiating Medicare and the approved supplemental plans is a nightmare for most. I was one of the millions faced with making an appropriate choice for my current health needs. Not knowing where to turn, I learned that you had been very helpful to my sister and her husband. I took a chance and contacted you and you responded in spite of the fact that I am 3,000 miles away. You were so helpful laying out all of my options based on income and medical condition. As the healthcare system has evolved, so have my questions. You still answer. Always helpful, thoughtful and kind and I have never regretted your advice. I am, and will be, always grateful. Sincerely,
This is not a paid recommendation and I’m a real client of Rick. I could not be more impressed or pleased with the service Rick provides. He knows his business well, always seems to know what the current changes are in plans, regulations, etc., and doesn’t push anything one way or another. Not only that, he can interpret how these changes apply to my situation, which I find invaluable, and he makes suggestions and presents options that take the work out of my making decisions about insurance. He responds rapidly to phone messages and email, and speaks in language that I can understand (as opposed to insurance speak). And he’s thorough, too. I find working with Rick a delight, which is something for discussing insurance! I couldn’t be more pleased, and have recommended Rick’s service to friends. And Rick, it’s all true!!!
I have done business wit Rick for four years and find him to be professional who will answer questions and provide solutions that go beyond his insurance business. What I especally appreciate is not having to attend a presentation of some first attempt at explaining a program he/she know little about and being subjected to franchise coffee. Rick; thanks for the Blue Sky recommendation it saves me $98.00 a month.
Everyday is a new day for us and we work really hard to satisfy our customer everywhere.