Senior Care

Medicare

What is Medicare Part A?

Medicare Part A is Hospital Insurance and helps cover inpatient care in a hospital, inpatient care in a skilled nursing facility (not custodial or long-term care). It also covers hospice care and home health services.

Medicare Part A coverage is free for most Medicare enrollees.

What is Medicare Part B?

Medicare Part B covers 80% of doctor services and supplies (not in the hospital), outpatient care, and preventative services. This includes lab tests, durable medical equipment, surgeries, checkups, and so on. 

Medicare part B is not free. It comes with a monthly premium that is typically deducted from social security benefits.

What is Medicare Part C?

Medicare Part C is also known as Medicare Advantage. This type of coverage is "Managed Care" and is offered by private insurance companies. Some of the plans offered will have a number of supplemental advantages and service along with basic Medicare Part A and B coverages.

Oftentimes a Medicare advantage plan can help you reduce costs from Medicare while increasing the benefits you receive.

What is Medicare Part D?

Medicare Part D plans help cover the costs of prescription drugs.

This part is included in most Medicare Part C plans, but if you have Original Medicare, you might not have Medicare Part D. It's worth making sure that you receive the benefits of this program.

Each Part D plan has a list of covered drugs, known as drug formularies, often organized into “tiers” by cost. No Part D plan covers all drugs, so it’s important to make sure the medications you need are covered by the plan you select.
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What is Medicare Supplement?

Medicare Supplement is designed to help pay for the 20% of medical costs not paid for by Medicare A and B.

Medicare supplement plans are sold by private insurance companies, not the federal government. There are several standard Medicare Supplement plans to choose from, labeled Plan A through Plan N. Each basic plan provides the same benefits, regardless of provider, though costs may vary.

Who is Eligible for Each Part of Medicare?

To be eligible for Original Medicare, you must meet one or more of the following criteria:
  • Be 65 or older
  • Have end-stage renal disease
  • Have ALS, also known as Lou Gehrig’s disease
  •  Receive disability benefits
To be eligible for Medicare Part C (Medicare Advantage), you must meet both of the following criteria:
  • Be enrolled in Medicare Part A and Medicare Part B plans
  • Not have end-stage renal disease
  • Live in plan service area
To be eligible for Medicare Part D prescription drug coverage you must:
  • Be enrolled in Medicare Part A or Medicare Part B, or have a Medicare Part C plan that includes Part D coverage.
  • Have a valid enrollment period

Long Term Care

Our policies offer a variety of benefits, making it easy to tailor a plan of coverage that's appropriate for your needs. Here are some of the most popular features.

Cash Benefit

Instead of being reimbursed for the actual costs you incur, you have the option to receive a percentage of your home health care benefit instead.

Care Coordination

Your policy comes with access to the services of a care coordinator, who can assess your needs, develop treatment plans, and facilitate access to services.

Waiver of Premium

With this benefit, you won't have to pay policy premiums as soon as you are actually receiving long-term benefits.

Alternate Care

If a treatment that does not exist today is recommended by your care coordinator, your policy will still cover it.

Read about the costs of long-term care in California here.

Contact us about Long Term Care
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