Medicare Plans in California  -  The Anthem Senior Smart Choice and its replacements

 

 

The Anthem Senior Smart Choice Plan

 

 

The Smart Choice Medicare Supplement was pretty groundbreaking back in the day.

 

Basically, apply a high deductible (separate from the Medicare deductibles) to an F plan to significantly reduce the monthly premium but still keep the "cap" in case of big bills.

 

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It made a lot of sense for many of our clients who were coming off of high deductible plans anyway and the premium difference over a year's time almost offset the difference in deductible originally.

 

The Senior Smart Choice is no longer available to new enrollees although some people still remain on it (for years now).

 

There's a whole new crop of plans that accomplish the same high deductible need but perhaps, with better pricing!

 

 

 

 

Check out the new suite of G high deductible plans.  The G plan is the same as the old F plan (no longer avaialble) except you have to pay the Part B deductible (roughly $150/annually now) but that fits our original aim with the Senior Smart Choice anyway (add deductible for savings).

 

Interestingly, since the Senior Smart Choice is a "closed" book (can no longer add new members), it's become more expensive relative to the competition over the years.

 

Run your G plan high deductible quote across the carriers to make sure you're not paying too much:

 

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Again...the G plan covers Excess just like the old F plan (and Senior Smart Choice) and we go into why this is so important at our Medicare Excess Review.


It's a free service we provide to all our Medicare supplement clients.

 

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact www.medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 day a week to get information on all of your options.