Get An Instant Quote Now



How much does a Medicare Supplement Plan Cost In Fresno, California?


How much does a Medicare supplement plan cost in Fresno, California?  Well, that depends upon a variety of factors.  Generally, Medicare supplement plan monthly premiums run slightly higher in California than they do in most other states.  But there are other factors that have a far greater impact on price.

We will list the factors that impact the premium rates of Medicare supplement insurance.  They are ordered from the most significant impact, to the least:

  • Plan Type
  • Age
  • Company
  • Tobacco Use
  • Health Status
  • Region

Plan Type
The most significant factor is the plan type that you choose.  For example, the monthly premium of a plan type "F" is going to be significantly higher than the monthly premium of a "high deductible plan type F".  This is because each Medicare supplement plan type offers a different benefit structure.  All supplement plans are designed to cover medical costs that are not covered by traditional Medicare.  However, some plans pick up more medical costs than others.  These benefit differences are reflected in monthly premium.

Age
With very few exceptions, the older you are, the higher your monthly premium.

Good to know:  Ask for samples.  Your doctor's cupboards are full of free drug samples, courtesy of the pharmaceutical industry.  If your child is getting shots, ask for a trial size pain reliever in case he needs it later.  If you're trying a new antibiotic or rash cream, your physician may even have enough samples to cover your course of treatment.  Also, check out the drug company's Web site, which sometimes offers coupons or free samples.
courtesy of Parents.com

Fresno Heart and Surgical Hospital - health care sharing
Fresno Heart and Surgical Hospital
15 E Audubon Dr
Fresno, CA 93720
Telephone: (559) 433-8000
Plus Code: V656+XG Fresno, California




Company
In Fresno, California Medicare supplement monthly premiums vary wildly depending upon which insurance company you buy the plan from.  The fact that plan benefits may be exactly the same, does not mean the monthly premium will be.  While traditional Medicare is a government program, Medicare supplement plans are offered by private insurance companies.  They get to set the pricing of the plans they offer.

Tobacco Use
Most insurance companies in California will charge a slightly higher monthly premium for Medicare supplement coverage if you smoke or chew tobacco.

Health Status
In some cases, if you are not enrolling within the open enrollment - guarantee issue time frame for Medicare supplement coverage, some companies in California will charge you a higher rate if you have specific medical issues.  Please contact us if you have questions concerning this.

Gender
Unlike most states in the U.S., Medicare supplement insurance plan rates in California are not affected by gender.  Regardless of your gender, the monthly premium rates are the same.

Region
The cost of your Medicare supplement plan can vary moderately dependent on where you live within the state.  There are a multitude of factors that impact this variance of pricing within California.  Such factors include:  The regional costs of physician and hospital services, Fee schedule negotiated by the insurance companies for services.  Fee schedule negotiated by the insurance companies for prescription drug pricing.

On Average For 2020

On average, in Fresno, California, for a standard plan A, the average monthly premium for a 65 year old non-tobacco applicant would be: $89 - $172.
Good to know:  Take advantage of free screenings.  Every community has health fairs that offer free screenings for diabetes, HIV, high blood pressure and other maladies.  By law, ACA-compliant insurance plans offer a number of screenings with no copays.  These screenings can save you hundreds of dollars.


Get An Instant Quote Now


Other articles:
Explaining the Growth of HealthCare Sharing Plans.
3 Steps in Acquiring Medicare Supplement Insurance Coverage in California
Resources



Request a Call Back

We are pleased to assist and will respond promptly.