Medicare supplemental plans are a great way to get more out of your Medicare coverage. In California, there are many different plan options available in 2022. It can be tough to figure out which plan is the best for you, but that’s where we come in! In this blog post, we will discuss the different types of Supplement Plans in California. Also, who should consider enrolling in one of these plans? Keep reading for more information!
What is Medicare?
Medicare is health insurance for senior citizens over the age of 65. In some cases for people who are disabled, or who have ESRD (kidney failure). Medicare is the primary health insurance for people who are on it, although Medicare does NOT provide full coverage. There are many gaps in coverage left by Medicare, and that is why people purchase California Medigap Insurance.
California Medicare — Learning about Supplemental Plans in California is a great way to get the best value for your money. There are many things that you should be aware of when starting to do your research. Firstly, you should be understanding what a California Medicare Supplement Insurance plan is in the first place. “Medicare Supplement Insurance” is also called “Medigap Insurance” to alleviate any confusion.
How Does Medicare Cover Us?
There are four main parts to the Medicare system:
- Part A (Hospital Coverage)
- Part B (Medical Coverage)
- Part C (Medicare Advantage)
- Part D (Prescription Drug Coverage)
Medicare Part A provides coverage for inpatient hospital care, skilled nursing facility (SNF), blood services, and hospice care. Part B provides coverage for medical services, including medical expenses either in or out of the hospital, outpatient hospital treatment, blood services, clinical laboratory services (diagnostic tests), home health care (approved medically necessary skilled care services and supplies), and durable medical equipment like wheelchairs, walkers, etc. Medicare Part B also covers some preventive care services. Part C is a replacement for Medicare and is known as the “Medicare Advantage” plan, or a “Medicare Replacement” policy. Medicare Part D is coverage for prescription Medications.
Although Medicare pays a large portion for healthcare expenses, it by far does NOT provide full coverage. For example, Medicare only pays 80% for most medical expenses, and Medicare also requires Medicare beneficiaries to pay large co-pays, co-insurance, and deductibles for hospitalizations, etc.
Which Plan is Best For Me?
California Medicare Supplemental Insurance can cover all the gaps in coverage left by Medicare so you are not left paying the deductibles and other out-of-pocket expenses yourself. All Medicare Supplements are designed by Medicare, so the benefits of these policies are the same across companies, the only difference is the price they charge.
When comparing California Medicare Supplement Companies, it is important to understand that there is no reason to pay more money for a certain company over another, because they all provide the same coverage. You must shop around and obtain multiple California Medicare Supplement Quotes to ensure that you are receiving the very best price that is available to you.
Instead of going through the hassle of calling multiple California insurance companies, speaking to multiple (and maybe even pushy) insurance agents, and possibly getting inaccurate or outdated information, you can compare multiple California Medicare Supplement insurance quotes and plans directly on our website. Or, if you prefer to speak with someone over the phone, you can call one of our California Expert Medicare Specialists who are standing by to walk you through the Medicare maze every step of the way and can guide you on what your best options are. You can call our toll-free number now at (800) 339-4112.
What Are My Other Options?
In addition to California Medigap Plans, you may want to consider a Medicare Advantage Plan. Medicare Advantage plans are offered by private insurance companies and they are required to provide the same coverage as Original Medicare (Parts A & B), but they often include extras like prescription drug coverage, dental, and vision. Some Medicare Advantage plans even offer $0 monthly premiums.
To learn more about Supplement Plans in California and to compare rates, simply enter your zip code in the box on this page. You will then be taken to a personalized report that is specific to your situation. This is a 100% free service with no obligation whatsoever.