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This internet web page is about CA Medicare Supplement need for online quotes. Medicare alone does not cover all of the costs of health care for those people who have Medicare. Part A and Part B have specific limitations, co-payments and deductibles. A major illness or accident could result in massive medical expenses even when a person is covered by Medicare. Any condition requiring a long 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 in a single year. Under Part B a covered person is responsible for the 20% co-payment and 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. This means that additional coverage is usually needed. Additional coverage may 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 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 which pays for many of the costs not picked up by Medicare. These insurance policies are often referred to as "Medigap" plans because they fill in gaps left by Medicare. Medicare HMOs are also available. With more than twenty years experience helping Californians with their Medicare Supplement needs we can assist you as well. Let us analyze your needs, and assist you with getting coverage. Medicare is a very complex subject. There is an overwhelming amount of information out there about Medicare. Getting the information you want can be a tedious and time consuming undertaking. Let us get you the information you need. |