Medicare is offered to elderly and disabled Americans, but it doesn't pay for all health care needs. People usually need supplemental insurance to help pay doctor visits, hospital visits, surgery, medicine and therapy. There are many options and the plans are extremely confusing to most people. Epstein Insurance Services will compare Medicare supplemental plans to see what is the best solution for you.
California Medicare Supplemental Insurance Information
Many seniors and younger will need supplemental health insurance to pay for expenses not covered by Medicare. It should be noted that neither Medicare nor Medicare supplemental insurance policies cover most long term care insurance expenses. There are many types of health insurance coverages that you can purchase to supplement your Medicare coverage. Supplemental insurance will pay for some or all of your health care costs that are not covered by Medicare.
These types of health insurance coverages include:
People often refer to all of these types of health insurance coverages as supplemental insurance. However, Medicare Supplemental or Medigap insurance is a specific type of insurance that is subject to federal and state laws.
Medigap (Medicare Supplemental Insurance)
Medicare supplemental insurance policies that are sold by private insurance companies to Medicare beneficiaries to fill the gaps in Original Medicare Plan coverage. There are ten standardized policies, Plan A through Plan J. Your state decides which of the 10 policies can be sold in your state. Medigap policies only work with the Original Medicare Plan.
A type of Medigap policy that must meet all of the requirements that apply to a standard Medigap policy. You may be required to use doctors and hospitals within its network in order to be eligible for full benefits.
Managed Care Plans
A Managed Care plan involves a group of doctors, hospitals, and other health care providers who have agreed to provide care to Medicare beneficiaries in exchange for a fixed amount of money from Medicare every month. Managed Care plans include Health Maintenance Organizations (HMOs), HMOs with a Point of Service (POS) option, Provider Sponsored Organizations (PSOs), Preferred Provider Organizations (PPOs), and Cost Plans.
Click on the link below to fill out a quote request form for a California Medicare supplemental insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with our Epstein Insurance Services agent to discuss the features.
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