Because Medicare does not pay for 100% of the costs of health care that you might face, private insurance companies offer Medigap and Medicare Advantage plans to help make the cost of health more affordable. California’s Medigap programs give seniors like you options to fill in the Medicare cost gaps that you might face.
California Medigap insurance is a collection of Medicare supplemental policies that you can purchase. These options are almost always much more affordable than complete, private comprehensive coverage. Some of the perks you can opt for include:
In order to qualify for Medigap, it’s required that you have both part A and part B Medicare plans. These are the most standard plans and there’s a good chance you already have them or qualify for them. Part A includes hospitalization and related service and Part B includes routine doctor’s services, outpatient care, and preventative care. You cannot be “dropped” from a Medigap policy regardless of health issues.
There are a number of agents who sell California Medigap policies. Every agent has the exact same options available, but there may be a difference in price. This is why it’s smart to shop around to find the best premium. Check with an agent to determine your annual open enrollment. To find out which California agents are in your neighborhood, fill out the zip code form and compare rates instantly.
You might qualify for special assistance depending on affiliations. If you are a veteran, check with the VA for additional supplements you might be eligible for. Depending on your previous employer, there may be additional benefits (especially if you were a government employee or public servant). Contact your prior HR department for information.
Seniors who are registered members of a Native American tribe, with proof of enrollment, qualify for free healthcare at tribal clinics. The California clinic is located in Sacramento. Services include general care, dental services, vision, and discount prescriptions. This is the most cost-effective option for qualified individuals since the services are free and necessary items like glasses and prescriptions are discounted. If you are not an enrolled member but think you might qualify, you are required to prove that a direct ancestor is listed on the Dawes Indian Rolls which is available at many public libraries.
Figuring out supplemental insurance might seem overwhelming, but remember that you have options. Consider what special avenues you may qualify for and apply for Medigap during open enrollment. It’s important to find an insurance agent who you feel comfortable with to help you pick the best plan at an affordable price. Fill out the zip code form to compare local rates instantly.
Downtown Bellevue, just off I-405