Although Medicare Supplement (Medigap) insurance can help you lower your out-of-pocket Medicare Part A and B costs, finding the right plan – and the best insurance carrier for your specific needs – can be somewhat confusing. One Medigap insurance carrier that has a good reputation, and that is financially stable, is Anthem.
At Bluewave Insurance we are proud to offer our clients Anthem Medicare supplement plans. To sign up or learn more, contact us at 800-208-4974.
Company Background
Anthem is one of the leading health benefits carriers in the United States, serving more than 78 million people. The company was formed when WellPoint Health Networks, Inc. and Anthem, Inc. merged in 2004.
Headquartered in Indianapolis, Indiana, Anthem has a strong and stable financial foundation, and has earned high ratings, including an AA- from Standard Poor’s, an A from A.M. Best, an A2 from Moody’s, and an A+ from Fitch, Inc.
Anthem Medicare Plan Benefits
Anthem offers a variety of Medicare Supplement plan options – including the popular Plan F, Plan G, and Plan N. Regardless of which Anthem Medigap plan you choose through Anthem you will have access to a(n):
- 30 day free look period
- Gym Benefit / Silver Sneakers (available in certain states)
- Household Discount on the Premium (where available)
- Portable coverage
- Ability to choose any doctor who accepts Medicare as a form of payment
Anthem Medicare Supplement Plan F
Anthem’s Medicare Supplement Plan F is the most comprehensive in terms of its coverage, as compared to other available Medigap plans. Items that are covered by the Medigap Plan F offered through Anthem include:
- Medicare Part A coinsurance and hospital expenses – up to an additional 365 days after your Medicare benefits have been used up
- Medicare Part B coinsurance or copayment
- The first 3 pints of bloo d each year
- Medicare Part A hospice care copayment or coinsurance
- Skilled nursing facility care coinsurance
- Medicare Part A deductible
- Medicare Part B deductible
- Medicare Part B excess charge
- Foreign travel exchange (80%) – up to the plan limit
There are some changes that will take place as of January 1 st , 2020, with regard to Medicare Supplement Plan F. Starting then, Medicare enrollees will no longer be able to purchase new Medicare Supplement Plan F coverage. (However, if you are already covered through Medigap Plan F, you may still retain your coverage).
Anthem Medigap Plan G
With the Medicare Supplement Plan G from Anthem, you can also obtain a long list of benefits. In fact, other than not covering the Medicare Part B deductible amount, Medigap Plans G and F provide the same comprehensive coverage options.
In 2025, the Medicare Part B annual deductible is $257. Once this deductible has been satisfied, your Part B benefits will begin to payout. So, it can be well worth it for you to compare the added premium cost of Medigap Plan F with the additional amount of benefit you may receive– and in many cases, Medicare Supplement Plan G comes out to be the better alternative.
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Anthem Supplemental Insurance Plan N
Another Medigap option that offers a wide range of benefits is Plan N. With the Medicare Supplement Plan N through Anthem, your coverage will include the same benefits that are in Plan F, other than the Medicare Part B deductible, and the Medicare Part B excess charge.
The Part B excess charges refer to the cost that a doctor may add to your bill that are above and beyond what the Medicare-approved amount for a certain service or procedure is.
There are a couple of other items to note if you choose to go with Medicare Supplement Plan
N. These include a copayment requirement of up to $20 for Medicare Part B coinsurance for some doctors’ office visits, as well as a copayment of up to $50 for emergency room visits that do not result in you being admitted to the hospital as an inpatient.
If your emergency room visit does end up resulting in admission to the hospital, your ER copayment will be waived.
Anthem Medicare Advantage Plans
In addition to Medicare Supplement insurance, Anthem also offers Medicare Advantage plans. Commonly referred to as Medicare Part C, Medicare Advantage plans include all of the benefits you would get through Medicare Part A and B for hospital and medical expenses.
In addition, many Medicare Advantage plans will also provide Medicare Part D prescription drug coverage, and / or coverage for dental, hearing, and vision.
If you choose to purchase an Anthem Medicare Advantage plan, it is important that you compare the coverage and premium prices before moving forward. That is because unlike Medicare Supplement plans – which are required by law to offer the same benefit options in plans of the same letter – the coverage can differ from one Medicare Advantage plan to another.
At Bluewave Insurance, we offer Medicare Advantage plans from Anthem, and we can provide you with quotes, as well as additional information about the Medicare Part C plans that are available in your area.
Explore Your Options with Anthem
Deciding on the right Medicare coverage can initially seem overwhelming. There are many options to choose from – and you want to ensure that you’re opting for the right benefits for your specific needs.
Bluewave Insurance offers both Medicare Supplement and Medicare Advantage plans from Anthem. We can provide you with free premium quotes on these plans either over the phone, or through our easy-to-access online quote engine.
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Feel free to reach out to us at 800-208-4974 directly if you have any additional questions regarding Anthem’s Medicare plans.
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