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This web page is about CA Medicare Supplement need for quotes. Medicare by itself does not pay for all the costs of health care for people in the program. Part A and Part B have co-payments, specific limitations and deductibles. A major illness or accident could result in large medical expenses even when a person has Medicare. Any condition requiring a long hospital stay would result in large 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 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 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 they are received as an inpatient in the hospital. The significance of this is that additional coverage is usually needed. This additional coverage can come in several forms. If an individual is still employed then they may still be able to receive benefits from a plan offered by the employer. Some people will 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 which pays for many of the costs not covered by Medicare. These insurance policies are often referred to as "Medigap" plans because they fill in gaps left by Medicare. Medicare HMOs are another possible solution. Let our twenty years of experience assist you with your Medicare requirements. We will answer all of questions and give you the information you need to make the best choice. We will find the right policy for you. When you have questions concerning Medicare Supplements then call us. We will give you all the information you require right now. One phone call or email to us can take all the confusion and solve your problem. |