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This page explains California Medigap need for. Medicare alone does not cover all the costs of health care for people in the program. Both 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 an individual has Medicare. Any condition requiring a prolonged hospital stay would result in large 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 possible 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 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 they are received as an inpatient in a hospital. This means that additional coverage is often needed. Additional coverage can come in several different forms. If an individual is still employed 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 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 as they fill in gaps left by Medicare. Medicare HMOs are another possible solution. We have helped Californians with their Medicare Supplement needs for more than 20 years now. We want to assist you with your Medicare Supplement needs. Let us answer your Medicare questions. We can find the best coverage for you. If you have questions regarding Medicare Supplements then call us. We will give you all the information you need now. One email or phone call to us can take all the frustration and solve your problem. |