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This internet web page talks about California Medicare Supplement need for quotes. Medicare by itself does not cover all of the costs of health care for those people who have Medicare. Part A and Part B have co-payments, specific limitations and deductibles. A major accident or illness could result in high medical expenses even when an individual has Medicare. Any condition requiring a long hospital stay would result in huge out-of-pocket costs 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 possible 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 and 100% of the excess costs. There is also a calendar year deductible with Part B of Medicare. Medicare does not generally cover the costs of medications except when received as an inpatient in a hospital. The significance of this is that additional coverage is usually needed. The 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. 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 often referred to as "Medigap" plans because they fill in gaps left by Medicare. Medicare HMOs are also available. We have been helping Californians with their Medicare Supplement requirments for well over twenty years now. We want to help you with your Medigap needs. Let us answer your Medicare questions. We can find the correct plan for your needs. If you have questions relating to Medicare then call us. We will give you the information you require right now. One email or phone call to us can take all the frustration and solve the problem. |