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KATHY
HOPE |
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Insurance
Broker |
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CALIFORNIA
LIC
# 0793269 |
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800-792-9114
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What
is Medicare Insurance
and who qualifies?
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Medicare
is a Federal Health Insurance
program for people age
65 and
older. If one is
disabled before the age of 65, they
may also be on Medicare.
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The Medicare
Insurance
Program
Includes a Part A and Part
B. |
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Medicare
Part A |
| Hospital
Insurance for
hospital,
skilled
nursing
facility home
health and
hospice care. |
| Most
people do not
have to pay
for Part A. |
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Medicare
Part B |
| Supplemental
medical
insurance for
doctor
services,
outpatient
hospital
services,
medical
equipment and
some
additional medical
services and
supplies. |
| Most
people pay
$93.50 monthly
for Part B. |
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"ALL"
medical charges are
paid for by Medicare
and even if they are,
the deductibles can be
very expensive. Some
services are not
covered at all. |
Medicare
Supplemental Insurance
Plans
... also
known as Medigap
insurance policies ...
fill in the
"gaps" that
are left by Medicare.
Medigap policies are
offered by the private
insurance companies.
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Medicare
Supplemental Health
Insurance
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Medicare Supplemental
Insurance plans are
standardized by the government and are
available within 12
plans from A thru L.
Click for a listing of the
different supplemental
plans ( A-L).
The
most
comprehensive
plans are Plan
C and Plan F.
Both of these
plans have no
out of pocket
expenses ...
i.e. one never has
to pay a dime.
They
are not very affordable.
Plan F does
have 3
optional
Senior Smart
Choice Plans.
Senior Smart
Choice plans are
detailed
below (click
here) and
do include
some out-of-pocket
costs,
but overall
allow
Plan F to be
much more
financially
feasible. .
Prescription
Drugs are
covered under Plan
D, click here.
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Basic
benefits are
included in
all 12 plans
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- Impatient
Hospital
Care:
Covers the Part A coinsurance and the cost of 365
extra days of hospital care during your lifetime after Medicare insurance coverage ends.
- Medical Costs:
Covers the Part B coinsurance (generally 20%of the
Medicare-approved payment amount).
- Blood:
Covers the first 3 pints of blood each year.
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Smart
Choice
Plan F
with a
deductible
of $1790.
Smart
Choice
Preferred
Offers a
$5 office
visit
co-pay,
vision
benefits
and
chiropractic.
Smart
Choice
Plus
Offers a
LTC rider
with daily
benefit of
$100/day.
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Plan
D
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Part D
is a
prescription
benefit
which pays
for
drugs.
There are
many
companies
that offer
Part D and
the
company
one
chooses is
dependent
on their
medication
as
prescribed
by their
doctor.
There is a
website
where you
may enter
your
prescriptions
before
personalizing
your
choice.
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Carriers
We Often Recommend
For California Residents |
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Blue Shield
- Anthem Blue
Cross -
Healthnet
Pacificare - Aetna - United
Health - Kaiser
Universal Health |
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