Sharp Medicare Plan vs Walgreens San Diego Countyhttps://www.bridlewoodinsurance.com
For the last 7 years, UnitedHealthcare has really not brought anything new to San Diego County, but this year they brought a new plan out called the Walgreens plan. Many of you have had this UnitedHealthcare Sharp plan and if you've gone to your Arch doctors, your Sharp Rees-Stealy doctors, your Sharp Graybill. Well that all comes under this UnitedHealthcare Sharp plan. Well, there's something new that competes this year with it. Really what happened was UnitedHealthcare wanted to come out with a, what they call a zero zero plan. Zero copay to see your primary, zero copay to see your specialist. But actually Medicare would penalize UnitedHealthcare for doing it to the existing plan. But if you created a whole new plan and made the changes there, it's perfectly fine. I think what Medicare is trying to do is give the consumer more options, more choices and ultimately what they ended up doing is making more confusion. So today we're going to kind of walk through it and kind of take some of the sting out of, you know what's the difference between the two plans. Let's go ahead and we'll take a look at it. So, first of all, I want you to reach in your wallet and pull out your UnitedHealthcare card. And just so we're making sure that we're comparing the same plan. So that card should say Sharp in big letters in the top right-hand corner. So if that's the card you have that's the plan you currently have. This is one that I want you to compare against that I think will be a good one for 2021. All right, so both these plans both the Sharp and Walgreens plans ... They're the same name, the same company just one is Sharp, one is Walgreens. And the other part of it is they're both zero premium plans. Which means that there's nothing monthly to have these particular plans to show to your doctor. So think of this insurance, think of this insurance as “pay as you go” insurance. So it really doesn't cost you anything monthly. It's just, when you go to the doctor, you pay as you go. So currently you've been $5 to see your primary doctor and $35 to see a specialist. Well, on the new Walgreens plan copays a little bit different. One of the things I wanted to point out before we get into that is the maximum out of pocket. So what that means is it's not a deductible it's a maximum out-of-pocket. What that means is every time you go to the doctor, you pay a $5 copay, $35 to specialist. You spend a night in the hospital, you pay so much copays. If all of those copays, every time you reach in your pocket reach a certain dollar amount - you don't pay any more copays the rest of the year. So it's, it's a dollar limit of protecting your risk. And so if you go ahead and take a look at it on this particular plan. So the Sharp plan you currently have, it's $3,400 where the Walgreen's plan has a $2,900 max out-of-pocket. So it actually decreases your risk by $500 a month. That's kind of a nice feature to have.
Second thing we want to take a look at is your max out-of-pocket obviously is the better, better plan here but we also want to take a look at primary care visits. So as you can see, the Walgreens plan has a zero copay to see your primary doctor versus a $5 to see the specialist. And also it has a $35 to see your specialist now where the Walgreens plan is zero. So that's what I'm saying it's called the zero zero plan. So zero monthly, zero to see your primary, zero to see a specialist. So yeah, you can't get much better than zero. So between those - between the max out-of-pocket, zero monthly, zero to see your primary, zero to see a specialist. And again, all the same Arch doctors, same Graybill doctor same Sharp Rees-Stealy doctors. They're all the exactly the same network. All right. So it's kind of a nice feature to have. So moving on, let's go ahead and take a look at it. So virtual visits. So they've, they've got into that. So now you can take your cell phone, you know and you can call your doctor and say, doc, the you know, I feel like I have the flu and the doc can order the medicine for you and you don't have to get out of bed. You have somebody down to go get your medicine for you. It's virtual visits they have now. So moving on from there, we can see that inpatient hospitalizations exactly the same - $260 copays for day one through seven. And so in that particular regard day eight, nine, 10, 11 is all zero after that. So if you do the numbers, it works out to around $1,800. So your worst case for you had a terrible car accident you went to the hospital and you spent 30 days in the hospital. You're gonna get charged for the first seven and then everything after that is free. So it works out to be about $1,800, right?
13520 Evening Creek Dr N Suite 100,
San Diego, CA 92128
Phone: (858) 753-7000
Best California Medicare Agents (909) 915-5588https://www.medicalartsinsurances.com
Mark and Gloria Wandel, owners of Medical Arts Insurance are certified and trained insurance brokers, knowledgeable about Medicare. They have been helping hundreds of Californians find affordable insurance with their needs in mind. They take the time to talk with you and determine what you need, then shop the major carriers to find the right plan that fits your needs and your budget. They will do all the research and then take the time to explain your options; allowing you to make the best and most informed decision possible.
Call Gloria Wandel or Mark Wandel today to schedule an appointment and let them save you time and money.If you are 65 or turning 65 soon, or know someone who is, be sure to contact them for their help and guidance. There is no cost to use their services.
They will answer all of your questions and help you find a plan that best suits your needs and budget. They can discuss Medicare Advantage, Prescription Drug Plans and Medicare Supplement Insurance plans as well as dental and vision plans; and there is never a cost to use their services.
Many people know Mark and Gloria as the Owners of Medical Arts Pharmacy & Medical Supplies for over 32 years and co-owners of Fox Farm Professional Plaza Medical Center for over 17 years.
Mark Wandel is a Pharmacist and has lived in beautiful Big Bear Lake since 1978 and Gloria since 1994. Both Mark and Gloria are passionate about their community and the Medicare client they serve all over California..
Bridlewood Insurance Services, Inc.
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Lauren Smith Bridlewood Medicare AgentLauren Smith is the owner of Lauren Smith Insurance Services, Inc, and has partnered with Bridlewood Insurance Services in 2017.
She has extensive training and has worked in the insurance industry for over 20 years. Lauren’s hard work and dedication to her craft have made her a top producer in her field. Her success has come from her attention to detail with each client she works with. Lauren represents a variety of top-rated local and national carriers. She believes not one plan is right for everyone, and takes the time to find out each client’s needs and guide them to the best plan for them.
Lauren originally comes from Upstate New York, but currently lives in Normal Heights, with her office in Sabre Springs. She enjoys traveling, walking on the beach, and spending time with her friends. Lauren looks forward to having the opportunity to work with you and building a long-lasting relationship.
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Jack Midland - Midlands Senior Care InsuranceJack & Annette Midland are a husband and wife insurance team that have been in the Insurance industry for the past 30+ years. They started their business in Chicago, helping individuals and small business owners retain affordable insurance.
After 15 years, Jack and Annette relocated to San Marcos, California. They continued working in the individual market until they discovered all the confusion seniors have when choosing a Medicare program. In 2007, they decided to turn their focus exclusively towards Medicare, and began to help the senior population.
This transition has been very rewarding for them and they feel very fortunate to be able to help their clients choose a plan that best fits their individual needs and pocket book!
Jack & Annette have developed strong relationships with doctors and hospitals in the area, and have opened an office in San Marcos. They do in home appointments throughout the San Diego area. Besides doing Medicare in home appointments, Jack & Annette have been very active at local Health Fairs and putting on Seminars through out the area. They are licensed in other states such as AZ, NV, and OR to name a few. They joined Bridlewood Insurance Services as agent managers, and have a number of highly qualified agents working on their team.
The couple met each other back in 1974 when they were just kids – attending college at Southern Illinois University in Carbondale. They were married in October of 1981 and now have 3 grown children. They all reside nearby in the San Diego area. Jack & Annette are grand parents to a special little girl Rylee and her little brother Micah! Life is Good!!
Jack and Annette Midland - Bridlewood Medicare AgentsAt Bridlewood Insurance, we pride ourselves on having the best trained, most knowledgeable, and caring agents. We have Two Unbreakable Rules . . . 1. ALWAYS do what is best for the client, EVERY TIME, and 2. ALWAYS follow Rule #1.
Bridlewood Agents can walk you through what Medicare is, the different parts of Medicare, and what your options are for supplemental insurance to take care of costs that Medicare doesn't cover. By going through the items that are important to you - who are your doctors, do you have specific health concerns you are dealing with, what prescription medications you are taking, do you travel or live in different areas of the state or country, etc. - our Agents can help educate you on all the various plans that are available so that you can confidently make the choice of the most appropriate plan to meet your needs and budget. And because the agent is compensated by the insurance company, our services are offered at no cost to you.
Why struggle with trying to weave your way through the complicated Medicare maze, when you could work with a Bridlewood Agent and have an agent for life. When you sign up for a plan with one of our agents, that is just the beginning of your relationship. You can count on your agent to keep in touch with you, assist with customer service issues and billing questions, get information on other services you may need, and much more.
Let Bridlewood help you on your Medicare journey!
Bridlewood Medicare Insurance
13520 Evening Creek Dr N Suite 100,
San Diego, CA 92128
Phone: (858) 753-7000
Aging Expo Bridlewood Medicare Insurance
Bridlewood Medicare Insurance 877-267-5514Bridlewood Medicare Insurance Agency makes Medicare easy to understand. If you're nearing the age of 65 or know someone who is, contact us at Bridlewood. For all your Medicare insurance needs, we're here to take care of you. Bridlewood Insurance has been one of the fastest growing agencies the past five years for one very good reason, we try to go above and beyond in customer service. Our ambition and commitment have always been to put members’ needs first and be a solid advocate for today’s elderly adults. Starting with the creation of the monthly publication of the Bridlewood News, to the community meetings during open enrollment, to the discounts you receive from a quality dentist, and audiologist, Bridlewood strives to deliver quality and to always be available to you.
Our customers deserve the best we can offer, so come join us and let us take care of you and your loved ones. Bridlewood Insurance Services, Where Quality Knows No Bounds!
Maureen McKenna Bridlewood Medicare Agenthttps://bridlewoodinsurance.com/agent/maureen-mckenna/
Maureen A. McKenna aka Mo born and raised in CA has lived in sunny San Diego for over 35 years. After growing up in the SF Bay Area and graduating college she relocated to San Diego. Mo is a Graduate of California State University in Economics and Marketing
With over 35 years in health insurance group sales (medical, dental, vision, et al), she had an exceptionally smooth transition into the Medicare Insurance industry. Mo is a licensed independent agent in CA and many other states. Maureen joined Bridlewood part-time in 2015 and transitioned into full-time in 2019.
A career in Medicare appealed to Mo as she loves helping folks “every step of the way” through the Medicare maze. Her goal is to make certain that all facts are presented so clients can make an informed decision about something as important as their health and healthcare future. She is passionate about truly helping people.
In her spare time, Mo enjoys hiking, golfing, gardening, and cooking. You might even find her reading a good book at the beach. But her favorite passion is “live music”. Anyone that meets Maureen quickly realizes she goes to as many concerts a year as possible. She enjoys all genres of music. However, her favorites are Classic Rock, Alternative Rock, “Rat Pack Era” tunes and Jazz. Whatever the performer or venue, if you have an extra ticket Mo is the one to call as she loves live entertainment.
CA License# 738787
13520 Evening Creek Dr N Suite 100, San Diego, CA 92128
Phone: (858) 753-7000