Welcome, here you can learn about California Medicare and California Medicare supplemental insurance. The goal here is to provide the knowledge to purchase a Medicare supplement plan that best matches your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What exactly is California Medicare?
California Medicare is simply Medicare run in the state of California. Medicare is our country’s health insurance program for folks age 65 or older. Some people younger than age 65 can get Medicare if they have specific disabilities. The program helps pay for the cost of healthcare, but it will not cover all medical expenses or the cost of most long-term care.
When should I apply for California Medicare?
If you are not already getting retirement benefits it is advisable to contact Social Security about three months before your 65th birthday to sign up for Medicare. You can enroll in Medicare even when you do not plan to retire at age 65. Click here to visit the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers part of your medical expenses after you have been admitted to a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not per year) deductible for Medicare Part A of $1156, $289 daily for days 61-90 hospital room and board, $578 each day after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 daily for skilled nursing facility for days 21-100 and all costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers part of your medical bills for doctor services, some preventive services and various medical services and supplies which are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs of the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services to include doctor service while as a hospital patient, 40% outpatient mental health care, any excess charges (some doctors charge up to 15% above what Medicare authorizes)
Although Medicare will cover a substantial part of your Medical expenses there are plenty of gaps left where you will pay. These gaps can easily strain a person’s financial resources. A California Medicare supplemental insurance policy can provide protection from most or all the Medicare gaps and they are very affordable for most people.
California Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized all of these plans. This means that all plans labelled by the same letter provide the exact same coverage whether or not you get your insurance from New Era, Gerber, Sterling, AARP or some other insurance company. Nationwide three of the most popular plans are F, G, and N.
California Medicare supplement plan F: This is easily the most popular and comprehensive plan. It covers all of the gaps left in both Medicare Part A and Part B.
California Medicare supplement plan G: This plan is just about the same as Medicare supplement plan F except for not paying the annual Medicare Part B deductible. For many people this is often the best choice if you don’t mind paying the yearly deductible as opposed to the sometimes higher monthly premiums for Medicare supplement plan F.
California Medicare supplement plan N: Unlike Medicare supplement plan F this plan has a bit of cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in exchange for lower monthly premiums. It is designed as an alternative to Medicare Advantage plans, while still giving you the flexibility and security of a Medicare supplement plan.
There are lots of insurance companies selling California Medicare supplement plans and the costs can vary greatly from company to company. Many who do not use the services of an independent agent wind up paying over 40-50% more for their insurance! It is a shame because getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.