Medicare Supplement Chino, California

Medicare Supplement Chino, California

Medicare Supplement Insurance Agents in Chino Hills, Claremont, & Rancho Cucamonga

What Is Medicare and How Can our Medicare Supplement Insurance Agents Help You?

If you’re a senior aged 65 or over, or under the age of 65 and on permanent disability, chances are you are relying on or considering Medicare for your insurance. Medicare is a federal health insurance program that covers medical and hospital care for people that fall under these categories and is comprised of two main parts: Part A and Part B. For those thinking about enrolling in Medicare supplement insurance in Chino, California, our team at Good and Associates Insurance Services outlines the main facets of this health insurance coverage below. As Medicare brokers in Chino, our expertise ensures you understand your medicare options, including medigap policies and finding the right medicare plan for your specific needs.

Part A

Also referred to as hospital insurance, Part A is automatically given to people and their spouses who have accumulated at least 40 working quarters over the course of their life. This part of Medicare comes with no charge and goes toward covering hospital stays (meals, testing, supplies), and also extends to home care such as physical therapy.

Part B

Medicare’s Part B helps cover health care outside of the hospital, including office visits, testing, outpatient physical therapy, home health care, and other services including chemotherapy and blood transfusions. The monthly premium for Part B depends on your income. For those with an income under $85,000 per year, the premium is currently around $109. As income increases, so too does the premium. Medicare Part B is an important part of Medicare coverage. It helps to pay for many common health care services that people need as they age. If you are eligible for Medicare, it is important to consider enrolling in Part B.

Medigap

Within the confines of original Medicare Parts A and Part B, there are two available options for seniors: Medicare Supplement Insurance/Medigap and Medicare Advantage. Medigap is designed for those that want to cover the “gaps” not covered by their Part A and Part B plans. These plans are offered through the following appointed carrier partners:

  • Blue Shield of California
  • Health Net
  • Anthem Blue Cross
  • Aetna
  • UnitedHealthcare

In these situations, members receive the benefits of their Part A and Part B Medicare as well as other additional benefits not covered, such as hospital deductibles, hospital and outpatient coinsurance, and office visit copays. However, it’s important to note that outpatient prescription drugs are not included in a Medigap/Medicare supplement insurance plan, so if you want drug coverage you must invest in a separate Part D plan, which our Medicare supplement agents in Chino, California, will also be glad to help you with. Note that Medicare Advantage plans typically have Part D built into the plan.

Call Our Medicare Supplement Insurance Brokers in California

As we age, we will inevitably face health problems and have to deal with their repercussions. In order to cope with them as best as possible, proper insurance health coverage is essential. For seniors looking for comprehensive health insurance in California, the Medicare Supplement Insurance agents at Good and Associates Insurance Services can help you determine the best Medicare plan for you. We have years of experience as an insurance agency, helping seniors find the right health insurance coverage, and we’re here to answer all of your questions about plan benefits and more.

Contact us today at (800) 429-9900 to learn more about our Medicare Supplement Insurance plans in Chino, and surrounding California areas. We’ll be happy to help you find the best plan for your needs and budget.