CA Medicare Options
The different senior health coverage options listed below describe some of their differences and offer links to help you select a good California Medicare Supplemental plan. You need to consider your personal needs and finances before making any choice.
The California Department of Insurance (CDI) regulates health plans underwritten by insurance companies. That means that some of your options, like Medicare, are not regulated by CDI and you will have to contact another agency if you need help with a problem or need assistance. We have listed contact information for each option, below.
Medicare in California as in any other state – is a federally funded insurance program for eligible participants 65 or over. Medicare has two parts, Part A (Hospital Insurance) and Part B (Medical Insurance). Medicare does not cover 100% of all costs. We recommend purchasing a California Medicare Supplement Insurance policy if you have traditional Medicare to help offset your health care costs.
Medicare Part D (Prescription Drug Coverage)
California Medicare Part D is a voluntary prescription drug program for CA Medicare beneficiaries. Prescription drug plans are sold by private companies but must be approved by Medicare. Before you purchase a prescription drug plan, it is important to make sure the Medigap Plan you are considering is approved by Medicare. Drug plans can have rules about what drugs are covered in different drug categories, so you should also make sure the plan you are considering covers any brand name drugs you are currently taking and wish to continue.
To purchase Medicare Supplement Insurance you must be enrolled in Medicare Part A and Part B. Medicare Supplement Insurance (also known as Medigap) provides coverage for gaps in medical costs not covered by Medicare. Medicare Supplement plans are standardized and offer various benefits to help offset your healthcare cost.
Make sure you see all the plans in your area. Plans will vary between companies. It pays to shop around early.
to speak with a licensed Medigap Plan insurance professional who can help you select a plan that fits you – at a premium you can afford.
Or visit Medicare Health Insurance Facts to learn more about California Medicare Plans for 2017.
The Social Security Administration advises people to apply for Medicare benefits 3 months before age 65. People do not have to be retired to get Medicare. Unlike Social Security (for which the full retirement age is gradually increasing to 67), people can still receive full Medicare benefits at age 65.
Medicare benefits can begin no earlier than age 65 except for some people with a disability or End-Stage Renal Disease.
People who are already receiving Social Security benefits (for example, getting early retirement) will be automatically enrolled in Medicare without an additional application. They will receive a Medicare card and other information about 3 months before age 65 or their 25th month of disability benefits.
California Medicare | CA Medicare | Medicare Supplemental Plans in California | California Medigap