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This web page is about California Medicare Supplement need for online quotes. Medicare by itself does not cover all of the costs of health care for people in the program. Both Part A and Part B have co-payments, specific limitations and deductibles. A major illness or accident could result in high medical expenses even when a person is covered by Medicare. Any condition requiring a long hospital stay would result in huge 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 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 and 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 they are received as an inpatient in a hospital. The significance of this is that some sort of additional coverage is often required. This additional coverage may come in several different 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. Another option is to 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 referred to as "Medigap" plans because they fill in gaps left by Medicare. Medicare HMOs are also available. Let our 20 years of experience help to assist you with your Medicare requirements. We can answer all of questions and give you the advice you need to make the right choice. We will find the best policy for you. When you have questions regarding Medicare then call us. We will give you all the information you need now. One phone call or email to us can take the confusion and solve the problem. |