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This page goes into California Medicare Supplement need for. Medicare by itself does not pay for all of the costs of health care for those people who have Medicare. Both Part A and Part B have co-payments, specific limitations and deductibles. A major accident or illness could result in huge medical expenses even when a person has Medicare. Any condition requiring a prolonged hospital stay would result in large out-of-pocket costs 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 possible 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 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 received as an inpatient in a hospital. The significance of this is that some sort of additional coverage is often required. Additional coverage may 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 may 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 often referred to as "Medigap" plans because they fill in gaps left by Medicare. Medicare HMOs are another possible solution. With more than twenty years experience helping Californians with their Medicare Supplement needs we will assist you as well. Allow us to analyze your needs, and assist you with getting insurance. Are you overwhelmed by the complexity of Medicare Supplements? With the large amount of information it is very to have difficulty finding the answers you require. Don't waste your precious time trying to find which plan is best for you. We have the answers. |