Medicare Advantage

Anthem Medigap Plans

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Medicare.net’s Guide To Anthem Medigap Plans For 2018

Anthem is one of the five largest insurance carriers within the United States, and it operates within the association of companies under Blue Cross Blue Shield. For the 2018 plan year, Anthem offers Medigap plans in 13 states. Depending on where you live, you may have access to different plan options from Anthem.

In general, however, the company sells four primary Medigap plans in each state: A, F, G and N.

anthem-medigap-plans-2018

Medigap policies are standardized at the federal level in all but three states: Massachusetts, Minnesota and Wisconsin. Medigap plans range from plan A to plan N with different benefits under each, but all plans look the same under each letter type. For example, a Plan N policy from New Hampshire will cover the same benefits as a Plan N policy from Colorado. We understand that this can be confusing, and Blue Cross Blue Shield, with its various associations in each state, are more compliacted as a result. That said, it is worth the effort to research your options with Anthem as they are continually one of the most popular and highly rated Medigap plans available.

You may notice in your research that many Medigap policies look similar, but the costs vary greatly. The amount that you pay for Medigap supplemental coverage depends on where you live, your age and sex, and when you sign up for the policy. Below, we’ll outline the different plans offered by Anthem in each of the states in which the company operates (excluding Wisconsin). Plan availability may still vary, even among residents of the same state, this is because of the county you live in can be a factor, so make sure to get a personalized quote for an accurate idea of cost and benefits. A licensed medicare (medigap) professional will be able to determine if you’re eligible, as well as explain all of the details included in a plan. There’s a high bar set for medicare licensing, and unlike other types of insurance, medicare is highly regulated and monitored. This is to your advantage, because it means you are less likely to end up consulting with someone who is not a professional person, or who is not going to operate with your best interest at heart.

2018 Anthem Medigap Plans

State  Medigap Plans Available
California A, F, IF, G, N
Colorado A, F, G, N
Connecticut A, F, G, N
Georgia A, F, G, N
Indiana A, F, G, N
Kentucky A, F, IF, G, N
Maine A, F, G, N
Missouri A, F, G, N
Nevada A, F, IF, IG, N, IN
New Hampshire A, F, G, N
Ohio A, F, G, N
Virginia A, F, G, N
Wisconsin  Standardized differently

Note that Anthem sells Medigap policies in Wisconsin, but plans are standardized differently. The information that follows applies to federally standardized Medigap plans. Outside of Wisconsin, Medigap plans will look the same in each state where Anthem sells policies.

Anthem, one of the companies under the blanket of Blue Cross and Blue Shield, offers Medigap policies in 13 states. Here’s where you’ll find Anthem coverage in 2018 as well as the plans that you might have access to, depending on where you live:

State  Anthem Plans Available
Alabama
Alaska
Arizona
Arkansas
California A, F, IF1, G, N
Colorado A, F, G, N
Connecticut A, F, G, N
Delaware
D.C.
Florida
Georgia A, F, G, N
Hawaii
Idaho
Illinois
Indiana A, F, G, N
Iowa
Kansas
Kentucky A, F, IF, G, N
Louisiana
Main A, F, G, N
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri A, F, G, N
Montana

Anthem Medigap Plan A

Medigap Plan A provides basic supplemental benefits. It’s a good option if you want some coverage for out-of-pocket expenses but won’t need the more comprehensive features of other supplemental policies. If you don’t see a doctor very often and don’t have a medical condition that demands frequent treatment, then Plan A may provide enough coverage. Medigap Plan A covers:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure

Original Medicare covers much of your healthcare costs as you get older, but it doesn’t cover everything. Certain out-of-pocket expenses, like the Part B coinsurance rate of 20 percent, can add up over time. That’s where something like Medigap Plan A comes in. It covers the 20 percent coinsurance rate – as do the other plans – which could alleviate some of your costs. This plan also covers the coinsurance rate for hospital stays ($335 per day for days 61 to 90).

Availability for Plan A depends on where you live, among other factors, including your age and when you apply for Medigap. You have six months from when you turn 65 and enroll in Medicare Part B to buy guaranteed-issue Medigap coverage. That means your health history won’t be a factor in your rates, and you’re guaranteed to be able to buy a plan. Outside of this initial eligibility window, you may not be able to buy a Medigap plan at all.

Pricing and availability vary, but we’ll give you some idea of what you might pay for Plan A from Anthem in 2018. According to Anthem’s cost estimator for California, a 65-year-old man living in Los Angeles County might pay around $126 a month for Plan A coverage. He could also add extra benefits to his plan with Anthem. Some companies package deals together to save customers money. For example, our California customer could pay an additional $25 a month for preventive dental and vision care.

Anthem Medigap Plan A Click Here To Get 2018 Pricing

Anthem Medigap Plan F

Medigap Plan F provides the greatest amount of coverage that you can buy from a supplemental policy. Notably, it covers the Part B excess charges, which we’ll outline below. Plan F tends to be the most popular choice among Medigap supplement customers because it’s the most comprehensive option, but because it’s so robust, it also tends to cost the most. If you need a lot of medical care, Plan F affords good coverage for your out-of-pocket costs since you’re unlikely to have any with this policy. Medigap Plan F covers:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Medicare Part B deductible
  • Foreign travel emergencies up to plan limits
  • Medicare Part B excess charges

Original Medicare requires participating providers – those who “accept assignment” – to charge Medicare-approved rates for their services. But some providers who accept Medicare don’t have agreements with Medicare to accept assignment, which allows them to charge a certain percentage above Medicare-approved amounts for services. This cost difference (between what a provider charges and what Medicare approves) is called a Part B excess charge.

If you see providers who accept Medicare assignment, then you won’t have to worry about these charges. You’ll simply pay 20 percent of the Medicare-approved amount. But if you see a doctor, hospital, mental healthcare professional or other provider who doesn’t accept assignment, then you may face Part B excess charges. Not everyone has a choice. If you live in a rural area or a city with limited options for specialists, for example, then you might have to go to a doctor who doesn’t accept assignment. Part B excess charges can add up over time, since you’ll be paying them on top of your regular Part B coinsurance.

That’s where Plan F comes in handy. It covers the Part B excess charges. And since it also covers Part B coinsurance and the Part B deductible, you’re left with no out-of-pocket costs aside from the premium that you pay for the policy in the first place.

Since it covers so much, Plan F can be an expensive add-on to your original Medicare coverage. A 65-year-old man in Los Angeles County, CA, would pay about $170 a month for Plan F coverage from Anthem. Before choosing this comprehensive policy, calculate how much you usually spend on medical care and how much you anticipate spending as you get older. For some, the monthly premium is a good deal. For others, the benefits may not be worth the extra cost.

Anthem Medigap Plan F Click Here To Get 2018 Pricing

Anthem Medigap Plan G

Medigap Plan G, like Plan F, covers the Part B excess charges. In fact, Plan G is nearly identical to Plan F in terms of coverage. The only difference is that Plan G does not cover the Medicare Part B deductible. If you buy Plan G from Anthem, you’ll find coverage for:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies up to plan limits
  • Medicare Part B excess charges

For our 65-year-old man living in California, a Plan G policy from Anthem would cost about $144 a month, which is $26 a month less than Plan F. That’s a total annual price difference of $312. Even if you covered the Part B deductible yourself ($183 in 2018), you’d save $129 by choosing Plan G over Plan F. This may not be true everywhere, so before you assume that Plan G costs less, get a personalized quote based on where you live.

But there is one other reason to consider Medigap Plan G over Plan F. Starting in 2020, Plan F will be discontinued (from all companies, not just Anthem). You can still buy Plan F until 2020, and you can keep the policy in place if you buy it before then, but you won’t be able to purchase a new Plan F after that date. Because fewer people will buy Plan F after 2020, it will become more expensive for insurers to sell it, given a smaller risk pool, and premiums may rise substantially over time. Weigh your options carefully when buying Medigap supplemental plans.

Anthem Medigap Plan G Click Here To Get 2018 Pricing

Anthem Medigap Plan N

Medigap Plan N is similar to Plan G, except that it doesn’t cover the Part B excess charges. There’s also a big caveat with coverage for the Part B coinsurance under Medigap Plan N. But this plan tends to cost much less than more comprehensive options, like Plans F and G, so it can be a good choice if you need extra coverage but don’t like the higher price tag of more robust policies. Plan N covers:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments – with a caveat
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies up to plan limits

California residents would pay only slightly more per month for Plan N coverage than they would for a Plan A policy from Anthem. Plan N would cost about $131 a month for a 65-year-old man living in Los Angeles County, and the coverage is more comprehensive than Plan A. Compared with Plan G, with which it shares almost the same features, Plan N costs about $13 less per month. Plan N does not cover Part B excess charges, though, so if you’re likely to face those, calculate your savings accordingly.

It’s important to note that Plan N requires cost-sharing for Medicare Part B coinsurance. With this plan, you would have up to a $20 copay for doctor’s visits and up to a $50 copay for emergency room visits that don’t result in inpatient hospital admission. The plan covers 100 percent of all other Medicare-approved Part B costs. To determine if Plan N will work better for your budget, consider your typical healthcare needs and how often you might visit your doctor. Few Medigap policies require cost-sharing for Part B coinsurance, but the tradeoff for this plan might be a lower monthly premium.

Anthem Medigap Plan N Click Here To Get 2018 Pricing

Anthem Medigap Plans – Added Benefits – Explanation Of Plan IF and IG

In the chart above, you may have noticed Plan “IF” and/or “IG” available in some states. Anthem sells standardized plans A, F, G and N in the states where it offers policies, but in some areas of some states – California, Kentucky and Nevada – you may also find plans with an “innovative” option. California and Kentucky residents may be able to buy innovative Plan F. In Nevada, innovative plans F and G are available to some residents. The difference between standard Plan F and its innovative counterpart, other than cost, is that the innovative version includes vision and hearing benefits. These include preventive hearing and vision exams as well as some coverage for lenses and hearing aids.

Like some other companies, Anthem also offers additional benefits that can be packaged with their Medigap policies to provide Medicare enrollees with added coverage. Original Medicare doesn’t cover dental and vision, for example, and these services might get costly as you get older. Choosing a Medigap plan with add-on benefits could help you to cover these costs, making supplemental coverage an even better investment. Anthem sells the following add-on packages:

  • Standard: preventive dental and vision
  • Premium: comprehensive dental and vision, a member assistance program and older adult care benefits
  • Premium plus: comprehensive dental and vision, a member assistance program, older adult care benefits and travel assistance benefits
  • Premium plus (dental only): limited dental benefits

Anthem customers may also benefit from programs like Silver Sneakers, a fitness program designed specifically for seniors and hosted at gyms nationwide. Memberships in fitness programs and other add-on benefits may not be available in all areas. To learn more about your options for coverage with Anthem in 2018, get a personalized quote based on where you live.

We can connect you with a licensed medicare professional who can answer any of the questions you might have about Medigap Plans from Anthem in your state and county. Use one of our contact forms, or simply call the toll free number on our site to be connected immediately.

Anthem Medigap Plan If & IG Click Here To Get 2018 Pricing

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