Best Medicare supplemental insurance to be Dr. Zha’s patient

Posted by paxmundi @paxmundi, Oct 11, 2025

I am finally able to get out of Kaiser thanks to an exception that means medical underwriting won’t come into picture!

Looking for people who have had their care under Shoshana Zha at UCSF covered by their supplemental without a problem. Any feedback will be much appreciated.

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Profile picture for paxmundi @paxmundi

Yes. I want a supplemental policy that Sha’s practice will accept.

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@paxmundi , ask for the doctor's office manager & head of billing if they accept MEDICARE part B with a part G supplement. That's the best you can get right now.
Info: My friend has Blue cross plan F supplement & she said you can NO longer buy plan F, she is "grandfathered" into her plan. So,I got a Medicare supplement plan *G last January, that means I can see any provider who accepts medicare , and I only have a $257 deductible for the entire year. I have Mutual of Omaha G supplement. I am in Dallas, and my cost was $138 per month, but that varies by zip code & state & goes up with age. I am almost 68 years old.
Good luck to you.

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Profile picture for tte @tte

@paxmundi , ask for the doctor's office manager & head of billing if they accept MEDICARE part B with a part G supplement. That's the best you can get right now.
Info: My friend has Blue cross plan F supplement & she said you can NO longer buy plan F, she is "grandfathered" into her plan. So,I got a Medicare supplement plan *G last January, that means I can see any provider who accepts medicare , and I only have a $257 deductible for the entire year. I have Mutual of Omaha G supplement. I am in Dallas, and my cost was $138 per month, but that varies by zip code & state & goes up with age. I am almost 68 years old.
Good luck to you.

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@tte Thanks so much for this helpful response! I will call the office again—this plan G was exactly what my broker was thinking was best for me. I will be talking to her again tomorrow after I make a few calls to Zha’s practice. Much appreciated.

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Profile picture for paxmundi @paxmundi

@tte Thanks so much for this helpful response! I will call the office again—this plan G was exactly what my broker was thinking was best for me. I will be talking to her again tomorrow after I make a few calls to Zha’s practice. Much appreciated.

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@paxmundi I also have the G Plan. I have heard good things about Mutual of Omaha. Hope you have a good selection of insurance carriers to choose from in California. So glad you are looking at the Supplement/Medigap for yourself.
Barbara

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Profile picture for paxmundi @paxmundi

@tte Thanks so much for this helpful response! I will call the office again—this plan G was exactly what my broker was thinking was best for me. I will be talking to her again tomorrow after I make a few calls to Zha’s practice. Much appreciated.

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@paxmundi
Hello - hope all issues related to coverage have been resolved. I just read this and other threads mentioning Dr. Zha, Agree unreservedly that she is very good and very empathetic and glad I switched my care to her recently. I actually met her at an NTM conference in Dallas in 2019 and chatted quite a bit with her. I was not seeing her then but was very interested to hear from her that she was starting a BE/NTM group at UCSF. I mentioned that when I saw her a few weeks ago and was pleasantly surprised that she remembered meeting me at the conference .
Back to Medigap plans and your initial question about whether it could cover your visits with her. I wanted to point out that most Medigap plans should kick in if the practice accepts Medicare and claims are not denied. Medigap is designed to cover copays (not deductibles and not all of it for some plans) from traditional Medicare Parts A & B. Having said that, the best plan is definitely Plan G. It does seem you were going in that direction. Sorry to hear that you had a hard time confirming which plans UCSF accepts. My decades long experience with UCSF has been that they run everything through to make sure it is covered and will inform you if it isn't and what the out of pocket might be. In some cases, they absorb it.
I assume you have in the Bay Area? I live in the East Bay.
Hope this is helpful
Mary

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