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Senior health care is essential these days. Growing developments in preventative medicine help all of us live longer, healthier lives. However, there comes a time when certain health considerations will factor into the type of health care insurance you carry.

California health insurance agents advise individuals entering their 40s, 50s, and early 60s to assess their current health care coverage and ask some important questions. Sure, most people 65 and older qualify for Medicare health coverage, but most don’t know the difference between Medicare Part A, Part B and Part D.

Medicare Part A is considered the hospital insurance part of the program. Most people have paid for such care through payroll taxes.

Medicare Part B helps cover the costs of outpatient care and physician’s services and may also cover some services within physical and occupational therapy when medically necessary.

Medicare Part D (Prescription Drug Coverage) is relatively new, developed in January 2006. Premiums must be paid for this part of Medicare, which help to provide lower costs for drugs and prescriptions. This is a separate insurance that allows beneficiaries to choose among several drug plans.

Most don’t know how important it is to include a long-term care insurance policy along with their Medicare Supplement plan either. Still more don’t understand their Medigap options, also known as Medicare Supplements, are available.

All seniors should consider long-term care insurance, regardless of what Medicare Supplement they may have. This type of insurance covers a variety of services that will safeguard personal property and assets in the event of infirmity and the need to live in a long-term care facility. While Medicaid eligibility and payments are determined by state, most individuals discover that they must be practically destitute before Medicaid (which pays nearly 42% of long-tern care benefits) will be paid. For those on Medicare, it’s important to know that the Medicare program helps pay for Skilled Nursing Facilities and not Castodial Care Facilities. A skilled Nursing Facility provides health care services for people in need of rehabilitation and will get better and go home. A Custodial Care Facility is for individuals who are not going to get better and need, well, custodial care.

Medicare Supplements are for medical and health care services provided by doctors and hospitals. Medigap policies enable individuals to buy as much or as little extra coverage as necessary to meet individual needs. Medigap policies are sold by California health insurance agents and agents throughout the U.S. Ten different Medigap plans are available, lettered A through J. Each plan contains different standards and benefits.

Medicare Advantage is a low cost insurance policy that helps pay for medical and prescription drugs and care, though it is not available in all zip codes. The Medicare Advantage includes HMO and PPOs and low premiums even for prescriptions.

Multiple health insurance options are available for seniors, but individuals are advised to check different policies as well as research and become familiar with Medicare and Medicaid services. For more information, visit Centers for Medicare and Medicaid Services at

Don’t wait until the last minute to check into your options as you hit that magic number. Research your options for senior health care insurance. Contact a California health insurance agent. Matts Insurance Services will be happy to answer any questions you may have.

Are you looking for a Medicare Supplement Plan?

Matt’s California Health Insurance Services offers free instant Medicare Supplement Quotes through our site. With our quoting tool you can compare Medicare Supplement Plans and prices from top rated California Health Insurance carriers like Anthem Blue Cross of California, Blue Shield of California, Health Net and Health Net of California Farm Bureau. If you want to apply for a plan you can simply print out a Medicare Supplement Application and fill it out in the pricvacy of your own home. We are available to answer any questions you may have.

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