(559) 348-8387
Save Money On Your California Health Insurance by Going Through Us.
Select Your Coverage Type:
Senior Health Plans
In today's market more options exist for Medicare members than ever. The help of a trained healthcare specialist is invaluable in helping you make an informed and educated decision in regard to the benefits and plans that are available and best suited to your specific situation.
As your local agent I am licensed, trained and informed to help you receive all the benefits to which you are entitled, as well as provide you with peace of mind you deserve. I work with over 20 companies and can help you find the right plan for you situation.
Call TODAY @ 559-348-8387 to set up a NO-COST benefit analysis. And don't forget to ask for Adam Sepulveda.
As your local Fresno County Medicare expert I:
Help you understand your many Medicare options
Evaluate your current medical and prescription needs
Let you choose the plan which provides the greatest benefits
Provide you all the information needed to make the right choice
Parts of Medicare
Part
A
- Gives you help with hospital costs.
- Deductible $1132 per benefit period; days 1-60
- Days 61-90; $283 per day
- Days over 90; $566 per day (lifetime cap of 60 days)
- Skilled Nursing Facility; $141.50 per day for days 21-100 (no cost for days 1-20
Part
B
- Helps with doctor's care and outpatient care.
- $110.50 Minimum monthly premium (unless eligible prior to 12/1/09; $96.40 min.)
- $162 Annual Deductible
- 20% Co-insurance from beneficiary
- Potential 15% additional co-insurance for “unaccepted assignment”
Part
C
- Medicare Advantage Plans combining hospital, doctor, and outpatient care in a single plan.
- Plans typically have zero or low monthly premium
- Prescription Drug plans (Part D) are included in most plans with no additional premium
- Additional Benefits may be included, such as, vision, dental, health screening tests, nurse advice lines, transportation, and health club membership
Part
D
- Stand-alone prescription drug plan.Helps pay for drug costs.
What Part D Plans Cover
Each plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.
For example, a drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber (your doctor or other health care provider who is legally allowed to write prescriptions) thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.
Medicare Supplement Insurance
Plans fill in some of the financial gaps in Parts A and B
- Monthly Premium depends on plan type and insurance provider
- Most plans require medical underwriting unless beneficiary is in a guarantee issue period
- Does not offer prescription drug coverage
