Medicare Supplemental Health Insurance Coverage
San Juan Capistrano and the other Beach Cities of Orange County are home to many seniors who are approaching or at the age of qualifying for Medicare health coverage. This is an exciting time, but it also can be confusing when it comes to health insurance. Medicare is government funded health insurance that pays for many basic healthcare services and supplies. However, it does not pay for everything. As a result, seniors looking to protect their retirement savings from the ravages of runaway healthcare costs do not rely completely on Medicare. Instead they purchased private Medicare Supplemental health insurance, also known as Medigap health insurance.
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As the term Medigap suggests, Medicare has many gaps in coverage. These gaps can result in costs from hundreds to thousands of dollars. For example, Medicare Part A provides hospitalization insurance, but it does not cover the deductible or the coinsurance amounts required for hospital care. Medicare Part B typically covers only 80% of the amounts approved by Medicare for medical services and treatments. In addition, Medicare Part B has an annual deductible amount that must be paid before the coverage begins.
The professionals at Capistrano Health Insurance have studied these gaps in depth. We can guide you to the most cost effective solutions to fill in the gaps in coverage that can drain away your life savings. We can help you find a Medicare Supplement Plan that will pay for deductibles, coinsurance and co-payments required at the time of care. In addition, we offer Medicare Supplemental Plans that allow you to visit any doctor who accepts Medicare without a referral.
The goal of Medicare Supplemental health insurance is to eliminate the out-of-pocket expenses that will ruin your budget. This is especially true if you have retired and are living on a fixed income. With Medicare Supplemental insurance, you will enjoy the peace of mind of knowing that your affordable monthly premium will eliminate Medicare's budget-busting deductibles, co-payments, and coinsurance costs. You have earned the right to be free of financial worries, and Capistrano Health Insurance wants to help make that a reality for you.
