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This internet web page is about California Medicare Supplemental need for. Medicare by itself does not pay for all of the costs of health care for people in the program. Part A and Part B have specific limitations, co-payments and deductibles. A major accident or illness could result in huge medical expenses even when a person is covered by 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 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 during the course of 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 with Part B of Medicare. Medicare does not generally cover the costs of medications except when received as an inpatient in the hospital. This means that additional coverage is often needed. The 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 will qualify for Medicaid. This is government health care program for people with very low income levels. Another option is to purchase Medicare Supplemental 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 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. We want to assist you with your Medigap needs. Let us answer all your Medicare questions. We can find the best plan for you. Are you confused by the complexity of Medicare Supplements? With the huge amount of information it is not difficult to have difficulty finding the answers you require. Don't waste your precious time trying to find which plan is correct for you. We have the answers you need. |