With all of the Medicare options available it is important to be aware of the differences in each type of plan. We have compiled a wealth of information which should provide you with a basic knowledge of the different Insurance Plans and what they offer.
This website is available to provide resources to California residents and assistance in navigating the complex world of Medicare insurance plans. Information is available for Medicare Supplement, Advantage and Part D plans.
What Is Medicare??
Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities,and any age with permanent kidney failure (called End-Stage Renal Disease). You must have entered the United States lawfully and have lived here for 5 years to be eligible for Medicare.
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Part A (Hospital Insurance)
helps pay for inpatient care you get in a hospital,skilled nursing facility, or hospice, and for home health care if you meet certain conditions. Most people don’t have to pay a monthly premium for Medicare Part A because they or a spouse paid Medicare taxes while working in the United States.If you don’t automatically get premium-free Part A,you may still be able to enroll, and pay a premium.
Part B (Medical Insurance)
helps pay for medically-necessary doctor services and other outpatient care. It also pays for some preventive services (like flu shots) to help keep you healthy and some services that keep certain illnesses from getting worse. Most people pay the standard monthly Medicare Part B premium
Part B Enrollment Form CMS 40-B Click Here
Part B Late Enroll Form (To Be Filled Out By Employer)
You have choices regarding how you receive your Medicare coverage. Here are the two of the options:
Managed by the Federal government, it provides your Medicare Part A and Part B coverage. (You can choose to have either one, or both parts.) You have to pay a deductible, and you are usually charged coinsurance each time you get services.
You can add Medicare prescription drug coverage (Part D) by joining a Medicare Prescription Drug Plan. Costs and benefits vary by plan.
You can also choose to buy a Medigap (Medicare Supplement Insurance) policy to help pay some of the health care costs’ "gaps" (like co-payments, co-insurances, and deductibles).
Medicare Advantage Plans (called Part C)
You must be enrolled in both Part A and Part B to join one of these plans. The plans provide all of your Part A and Part B services and generally provide additional services. You usually pay a monthly premium, and copayments that will likely be less than the coinsurance and deductibles under Original Medicare. In many cases, these plans also offer Part D prescription drug coverage. These plans are offered by private insurance companies with a Medicare contract. Costs and benefits vary by plan
We provide access to plan benefit guides, forms and publications along with general and specific insurance information for all California beneficiaries. You will find many details and links listed on this site. You may also make an instant request for materials or call our Toll-Free Medicare insurance helpline which is 800-458-7805
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You should seek the advice of an insurance professional if you are not sure how each insurance plan works. You should not have to pay for the consultation since insurance brokers are usually paid directly from insurance companies. A good Broker or Agent should give you a non-biased opinion of many plans and answer your specific questions.
We have a staff of insurance professionals available to answer any of your questions and we will provide you with specific enrollment materials or Medicare Plan summary of benefits by request.
2012 Medicare And You Hand Book
Please feel free to use any of our resources and don't hesitate to call our helpline at any time. We are happy to answer questions and provide you with any forms or publications that you may need.
Individual Non Medicare Insurance From AETNA For Those Under 65
You may download anything you would like from this site for free or you may also visit our other site at www.todaysmedicare.com check back often. This site will be updated regularly.
Check back often for updated information or call our Toll Free Helpline 1-800-683-6729
We treat our clients with courtesy and integrity. We guarantee realistic, honest advice that achieves results. We will help you select a quality affordable health plan that will fit your individual needs. Our years of experience and notable expertise in the field of Medicare Insurance Plans will be an asset to you when choosing a plan to fit your specific situation at an affordable price.
Our consistent track record of uncompromising ethics instills confidence and trust.