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This web page goes into CA Medicare Supplement need for advice. Medicare by itself does not pay for all of the costs of health care for those people who have Medicare. Both Part A and Part B have specific limitations, co-payments and deductibles. A major illness or accident could result in high medical expenses even when a person has Medicare. Any condition requiring a prolonged hospital stay would result in huge out-of-pocket costs to someone who is covered only by Medicare. The problem is made worse by the fact that not all services are covered. The Part A deductible is per benefit period. Because of this it is conceivable that a person may have to meet the deductible more than once during the course of single year. Under Part B a covered individual is responsible for the 20% co-payment as well as 100% of the excess costs. There is also a calendar year deductible with Part B of Medicare. Medicare does not generally cover the costs of medications except when received as an inpatient in a hospital. The significance of this is that additional coverage is often needed. This additional coverage can come in several different forms. If a person is still working then they may still be able to receive benefits from a plan offered by the employer. Some people might qualify for Medicaid. This is government health care program for people with very low income levels. Many people purchase Medicare Supplement insurance. This is an insurance plan offered by an insurance company that pays for many of the costs not picked up by Medicare. These insurance policies are sometimes called "Medigap" plans because they fill in gaps left by Medicare. Medicare HMOs are another possible solution. We have helped Californians with their Medicare Supplement requirments for more than twenty years. We want to assist you with your Medicare Supplement needs. Let us answer all your Medicare questions. We will find the correct coverage for you. Are you confused by the complexity of Medicare? With the large amount of information it is easy to have difficulty finding the answers you require. Don't waste your time trying to find which plan is best for you. We have the answers you need. |