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The purpose of this web page is to discuss California Medicare Supplement need for advice. Medicare alone does not cover all of 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 a person has Medicare. Any condition requiring a prolonged hospital stay would result in huge 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 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 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 additional coverage is often needed. Additional coverage may come in several forms. If a person is employed 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. 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 sometimes called "Medigap" plans because they fill in gaps left by Medicare. Medicare HMOs are also available. Let our twenty years of experience help to assist you with your Medicare requirements. We will answer all of questions and give you the information you need to make the correct choice. We will find the right policy for you. Medicare is a complicated topic. There is an overwhelming amount of information availble about Medicare. Getting the information you need can be a tedious and time consuming undertaking. Let us give you all the information you need to know. |