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This web page is about CA Medicare Supplement need for. Medicare alone does not pay for all 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 accident or illness could result in large medical expenses even when an individual is covered by Medicare. Any condition requiring a prolonged hospital stay would result in large out-of-pocket expenses 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 in a 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 received as an inpatient in a hospital. This means that some sort of additional coverage is usually needed. The 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 picked up by Medicare. These insurance policies are often called "Medigap" plans because they fill in gaps left by Medicare. Medicare HMOs are another possible solution. With more than 20 years experience assisting Californians with their Medicare Supplement requirements we can assist you as well. Allow us to analyze your requirements, and assist you with getting coverage. Medicare is a complicated topic. There is a huge amount of information out there about Medicare. Getting the information you want can be a tedious and time consuming process. Let us give you the information you need. |