California Health Insurance Quotes and Blog

Of all the people I help find health insurance, some of the most grateful are people under 65 who are permanently disabled and have parts A and B of Medicare. Many disabled people believe that there is no way they’ll qualify for a health plan. A very important point I want to get across here is that there are guarantee issue health insurance plans for people who are under 65 and have parts A and B of Medicare. Both HMO and PPO, and some of the plans even include a prescription drug benefit.

When it comes to Medicare, it’s important that you know both sides of the story, and understand the advantages and disadvantages of relying solely on Medicare to provide for your health care needs. Though Medicare by itself covers many health care costs, there are many medical services that Medicare does not cover. This point is clearly made in the “Guide to Health Insurance for People with Medicare,” which is published yearly by the Centers for Medicare & Medicaid Services (CMS) of the U.S. Department of Health and Human Services. As the guidebook suggests, there are health care costs that Medicare either does not pay in full or does not pay at all. If you need or want services not covered by Medicare, you must pay the bill. To help fill the gaps in your Medicare coverage, you have the option of buying supplemental insurance policies known as “Medigap” plans. Supplement plans help pay the bills Medicare does not, and provide you with protection from the ever-increasing gaps in Medicare.
For the pre-65 Medicare beneficiary there are certain guidelines and timeframes you need to follow in order the get a health insurance policy issued. For a Medicare Supplement plan acceptance of your application is guaranteed if you are under age 65 and apply within six (6) months of your initial enrollment in Part B of Medicare. You must already be enrolled in both Parts A and B of Medicare to apply for these plans. If you have missed the enrollment period you will have to wait until November 15th and apply for a Medicare Advantage Plan.

Medicare Advantage Plans are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:

• Medicare Health Maintenance Organization (HMOs)
• Preferred Provider Organizations (PPO)
• Private Fee-for-Service Plans
• Medicare Special Needs Plans

When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, generally there are extra benefits and lower copayments than in the Original Medicare Plan. However, you may have to see doctors that belong to the plan or go to certain hospitals to get services.

To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you might have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer.
So, if you are under 65 and have both parts A and B of Medicare, you can get good affordable California health insurance. We just need to follow a few rules and timelines.

Medicare supplements come in many flavors. Choose the right plan for you and your spouse by talking to a qualified health insurance broker.

By definition a “supplement” is something that backs up, tops up or makes better another thing, item, situation or in the case of this article, Original Medicare. Medicare Supplement insurance policies are sold by private insurance companies and “supplement” original Medicare.

Original Medicare was not designed to cover you 100%. There are gaps in the original Medicare and these “gap” policies help fill those out of pocket medical expenses you would otherwise pay yourself.

Original Medicare and Medicare Supplement/Medigap policies work in concert to pay health care costs. Medigap policies are all standardized and have certain specific benefits. That doesn’t mean you can’t choose benefits to suit your situation, because you will have many choices. In fact you have the option to choose from 10 different plans – Plans A through J.

Without confusing the issue too much, each plan has a different set of basic and extra benefits. You can come pretty close to tailoring a plan to your medical needs by talking things over with a health insurance agent. Talking to an agent is free, and many times can save you money by pointing you in the right direction for better coverage for a lower price.

Health insurance and Medicare contracts must follow state and federal laws. This is important, it means you are protected. It makes sense then that Medicare Supplement/ Medigap policies must also follow laws.

When you’re talking to your health insurance broker, compare the different Medigap plans. Once you have found a plan that suites your needs, compare the price of that plan with all the carriers in your state. You will find that the same plan has different prices from carrier to carrier. It doesn’t matter which plan you choose, they are the same for all insurance companies. i.e. A Medicare Supplement “F” Plan is a Medicare Supplement “F” Plan wherever you go and whatever carrier you choose.

However, having said that, each insurance company makes a decision about which Medigap policies it will sell. This is another good reason to talk to a qualified local health insurance broker who knows his stuff.

If you are considering a Medigap policy, you will need to have both Medicare Parts A and B. If you go with Medigap, you will be paying a premium for the Medigap policy on top of the cost of Part “B”. If you are applying for coverage with your spouse, they must have their own Part A and B as well.

Although it might seem confusing and time consuming to pick and choose plans that suit your circumstances, with the help of a qualified health insurance broker, it will make things a lot easier.