KATHY HOPE |
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Insurance Advisors |
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YOUR
CA HEALTH INSURANCE BROKER FOR 22+ YEARS |
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Individual, Child-Only, Family, Entrepreneur, Small Business, Group,
Medicare |
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Serving Northern and Southern California |
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Medicare Supplemental
Insurance
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Are you 65 With Medicare Health Insurance
Questions?
Need
Supplemental Medigap Insurance?
Need
Coverage Updates? |
Medicare Health Insurance and Medicare
Supplemental Coverage Insurance can be very
confusing as both come with lots of parts, pieces
and options. Without expert guidance you can be
caught short on your initial choices and then also
find yourself with no way to make changes to those
choices until designated periods of times within
the calendar year. |
Making the right
choices for your medical and "budgetary" needs
requires expert guidance, honest and
well-qualified answers. If you live in California,
please contact me at 714-840-0047, or via
email
or use the "need assistance" form to the right. I
welcome both new medicare applicants and those who
are in need of updating their existing medicare
options. |
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My goal is to make sure
you know and understand all your medicare options
and that your transition into medicare is an easy
and successful experience. |
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Right
now, with The Affordable Healthcare Act, there is
confusion on the future funding of medicare and
medicare advantage. Also know that even
though Medicare Advantage can look good when you
first turn 65, it might be difficult to ever
opt-out and switch into medicare/medigap unless
you are prescription free and medically
well. Protect yourself and get the info you need to best
take care of yourself. Contact me for
guidance! |
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Frequently Asked Questions
Include: |
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What makes me eligible?
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Do I need to apply to get my card?
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Is medicare free or is there a fee?
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If there is a fee, how do I pay?
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What coverage is included?
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is medigap insurance?
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What is supplemental insurance?
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prescriptions covered? |
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What Is Medicare? |
Medicare is the federal government program that gives you health care coverage (health insurance) if you are 65 or older or under 65 and have a disability, no matter
what your actual income is. All those taxes you've paid over the years on your
income go towards your Medicare funding.. |
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Upon becoming eligible for medicare, due to turning 65,
you may initially enroll within a 7 month span of time
that includes the three months before, the month of and
the three months following your 65th birthday. Enrollment
may be done online or via postal mail. Upon your initial enrollment you will be sent your very
own, red, white and blue medicare card as
shown below! |
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Note
the two "Parts" .. Part A and Part B
printed on the card. These include the
coverage that, upon applying, you are
automatically enrolled in for your hospital and
medical needs and are often referred to as
traditional medicare coverage.
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Part A |
Hospital
Insurance.
Usually has been prepaid via payroll taxes over
the years. Does not cover 100% of costs when
used. |
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Part B |
Medical
Insurance. Has an associated fee based upon
income. It averages $100 to $119 per
month. Does
not cover 100% of costs when used. |
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Click
Here For Detail On Medicare
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Traditional
Medicare health insurance coverage may be combined with
supplemental coverage. There are many options
available for additional and/or alternate fees. |
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What Are My Supplemental Choices? |
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Medicare has a Part C and Part D
that you may apply as
"supplemental coverage" to the
traditional Part A and Part B coverage. |
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Part C |
Medicare Advantage.
Allows you an alternative
choice of "switching"
out of traditional medicare"
and using a private insurance
company Medicare Advantage
plan. Usually includes Part D
prescription coverage. In order
to qualify you must be
participating in both Medicare
Parts A & B. |
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Part D |
Supplemental
Prescription Drug. May
be added to your "traditional
medicare" plans. Is used
for your prescription drug
coverage. |
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There are 10 (total) Medicare
Supplemental Insurance Plans -
also known as Medigap Policies -
standardized by the government and
provided via private insurance
companies: |
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A, B, C,
D, F, G, K, L, M, N |
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The most popular supplemental plans are:
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Plan F |
Covers everything! No out of
your pocket costs! Some
companies have deductible
options. |
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Plan G |
Covers everything, just as you
find in Plan F, "except" you
must pay Part B deductible.
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Plan N |
Reduces your cost "except" you
must pay basic benefit co-pays
and and Part B deductible and
excess. |
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Click Here For Detail On
All Plans |
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HEALTH
INSURANCE PROVIDERS WE WORK WITH INCLUDE
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