California Medicare Supplement Plans & CA Medigap Insurance Rates

California Medicare -- Learning about California Medicare Supplement Plans is a great way to ensure you are getting the best value for your money when purchasing Medicare Supplemental Insurance. There are many things that you should be aware of when starting to do your research, and the first should be understanding what a California Medicare Supplement Insurance plan is in the first place. "Medicare Supplement Insurance" is also called "Medigap Insurance" to alleviate any confusion.

Medicare is health insurance for senior citizens over the age of 65, or in some cases for people who are disabled, or who have ESRD (kidney failure). Medicare is the primary health insurance for people who are on it, although Medicare does NOT provide full coverage. There are many gaps in coverage left by Medicare, and that is why people purchase California Medigap Insurance.

What Does Medicare Cover?
There are four main parts to the Medicare system:

• Part A (Hospital Coverage)
• Part B (Medical Coverage)
• Part C (Medicare Advantage)
• Part D (Prescription Drug Coverage)

Medicare Part A provides coverage for inpatient hospital care, skilled nursing facility (SNF), blood services, and hospice care. Medicare Part B provides coverage for medical services, including medical expenses either in or our of the hospital, outpatient hospital treatment, blood services, clinical laboratory services (diagnostic tests), home health care (approved medically necessary skilled care services and supplies), and durable medical equipment like wheelchairs, walkers, etc. Medicare Part B also covers some preventive care services. Medicare Part C is actually a replacement of Medicare and is known as the "Medicare Advantage" plan, or a "Medicare Replacement" policy. Medicare Part D is coverage for prescription Medications.

Although Medicare pays a large portion for healthcare expenses, it by far does NOT provide full coverage. For example, Medicare only pays 80% for most medical expenses, and Medicare also requires Medicare beneficiaries to pay large co-pays, co-insurance, and deductibles for hospitalizations etc. The standard Medicare Part A hospital deductible is $1,132 for the first 60 days in the hospital in 2011 (increasing deductible generally every year).

What Type of Insurance Plan Do I Need?
California Medicare Supplemental Insurance can cover all the gaps in coverage left by Medicare so you are not left paying the deductibles and other out-of-pocket expenses yourself. All Medicare Supplements are designed by Medicare, so the benefits on these policies are the same across companies, the only difference is the price they charge.

When comparing California Medicare Supplement Companies, it is important to understand that there is no reason to pay more money for certain company over another, because they all provide the exact same coverage. It is very important that you shop around and obtain multiple California Medicare Supplement Quotes to ensure that you are receiving the very best price that is available to you.

Instead of going through the hassle of calling multiple California insurance companies, speaking to multiple (and maybe even pushy) insurance agents, and possibly getting inaccurate or out-dated information, you can compare multiple California Medicare Supplement insurance quotes and plans directly on our website by clicking the following link: Compare Medicare Plans & Quotes. Or, if you prefer to speak with someone over the phone, you can call one of our California Expert Medicare Specialists who are standing by to walk you through the Medicare maze every step of the way, and can guide you on what your best options are. You can call our toll-free number now at: (800) 351-6603.

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