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This page is about California Medicare Supplement need for help. Medicare by itself does not pay for 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 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 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 generally cover the costs of medications except when received as an inpatient in a hospital. This means that some sort of additional coverage is usually required. The 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. Many people 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 called "Medigap" plans as they fill in gaps left by Medicare. Medicare HMOs are also available. We have helped Californians with their Medicare Supplement requirments for well over twenty years now. We want to help you with your Medicare Supplement needs. Let us answer your Medicare questions. We can find the right plan for you. When you have questions relating to Medicare Supplements then call us. We will get you all the information you need right now. One phone call or email can take all the confusion and solve your problem. |