Find Your Senior Health Insurance Plan in California

If you are a senior turning 65 and live in California, here’s a basic breakdown of all the options available to you.

Call us at 1-800-356-3615 or apply now for a free quote. Below, we’ve provided the basic breakdown, but if you still have more questions about Medicare coverage, visit our Frequently Asked Questions section for more information.

Original Medicare is the most basic form of Medicare there is and consists of two pieces, Part A (hospital costs) and Part B (other health related costs). This is the coverage you receive from the federal government when you turn 65, and though it provides protection from some medical expenses, it does not cover 100% of all the medical costs you might face (prescription drug costs, for example).

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This plan helps “fill in the gaps” of your Original Medicare and is the most comprehensive type of coverage available. Also known as Medigap, Medicare Supplemental insurance, adds protection to your policy for expenses such as extended hospital stays, skilled nursing costs, and can help pay your Medicare deductibles.

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Medicare Advantage is a different kind of plan provided by private insurance companies who become the primary healthcare payor. They are designed to provide, at the least, an equivalent amount of coverage to that of Original Medicare but many plans give you coverage beyond that of Original Medicare (such as prescription drugs).

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Medicare Part D is a private insurance plan designed to help cover some of the most costly expenses of your healthcare, prescription drugs. There are many Part D plans to choose from, depending on what medications you take, and they can significantly reduce the cost of the prescriptions you receive.

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