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This page talks about CA Medicare Supplement need for help. 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 co-payments, specific limitations 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 compounded by the fact that not all services are covered. The Part A deductible is per benefit period. Because of this it is possible 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 associated with Part B of Medicare. Medicare does not usually cover the costs of medications except when they are received as an inpatient in a hospital. The significance of this is that some sort of additional coverage is usually needed. This additional coverage can come in several 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 may qualify for Medicaid. This is government health care program for people with very low income levels. Another option is to 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 needs for well over 20 years now. We want to assist you with your Medigap needs. Let us answer your Medicare questions. We can find the best policy for you. Medicare is a complex subject. There is an overwhelming amount of information availble about Medicare. Getting the information you want can be tedious and time consuming. Let us give you the information you need. |