Medicare Supplement

What is Medicare Supplement Insurance?

If you are a worker about to retire, you may discover that you may not be as ready as you thought to cover the health costs of you and your spouse. That’s because while Medicare is an important and essential component to covering retiree health care, it unfortunately has a few gaping holes that don’t cover everything.

Medicare is segmented into parts. There is Part A, which covers inpatient hospital stays, Part B, which covers basic medical costs, and Part D, which covers some prescription drugs. There is also a Part C to Medicare, known as Medicare Advantage, or Medicare Supplement, which many California health insurance carriers often to seniors and retirees in need of additional coverage.

How do I know if I need a Medicare supplement?

If you’re concerned that you’re not fully covered with Medicare and you make too much to qualify for Medi-Cal (California’s Medicaid plan), you may wish to consider a Medicare supplement. A Medicare Advantage plan actually takes the place of the federal and state funded Medicare Parts A and B, but most Medicare Advantage plans have a wider, more comprehensive coverage package than the Medicare plans offered by the US government. In addition, Medicare supplements can offer additional comprehensive prescription coverage when compared to Medicare Part D.

The best way to get started is to do a search on our site on Medicare supplement plans that you may qualify for. Then, gather your Medicare documents and place a call to our office to speak with one of our qualified Medicare insurance brokers. By reviewing your insurance paperwork and determining your health care needs and financial constraints, our brokers can determine not only if a Medicare supplement is right for you, but they can also provide quotes from a variety of carriers that provide Medicare supplements.