Medicare Supplement Insurance in California

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 California, our team at Good and Associates Insurance Services outlines the main facets of this health insurance coverage below.

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: