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The purpose of this page is to discuss CA Medigap need for. Medicare alone 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 accident or illness could result in massive medical expenses even when a person 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 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 usually cover the costs of medications except when received as an inpatient in a hospital. The significance of this is that some sort of additional coverage is often needed. 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 might 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 referred to as "Medigap" plans as they fill in gaps left by Medicare. Medicare HMOs are also available. Let our 20 years of experience help you with your Medicare Supplement requirements. We will answer all of questions and give you the advice you need to make the best choice. We will find the right policy for you. Are you overwhelmed by the complexity of Medicare Supplements? With the vast amount of information it is easy to have difficulty finding the answers you need. Don't waste your time trying to find which plan is best for you. We have the answers. |