Medicare Coverage CA
Getting Medicare
We are here to celebrate your 65th birthday, it is a major milestone. For most adults, one advantage to turning 65 is enrolling in Medicare!
Whether you are still working or not, you need to look at your healthcare options and Medicare. You need to look at whether you should sign up for Medicare Part A (hospital coverage) and Part B (medical insurance). The pair are often called Original Medicare. Just be aware that Medicare Parts A & B only pay part of your medical costs. Your costs for deductibles, copays, prescription drugs and other out-of-pocket costs can add up quickly. Without supplemental coverage, there is no maximum out-of-pocket on Medicare claims. So, you need to protect yourself from the inevitably higher health care costs you face as you getting older.
There are a lot of questions you probably have:
- Should I stay on my employer’s plan?
- What about prescription drug coverage?
- Do I need a Medicare Supplement (aka Medigap) plan?
- What about a Medicare Advantage Plan? Is that a good option for me?
These are all things to consider before enrolling in a plan. We’d be glad to help you find answers based on your situation.
Your Medicare ID Card
When you enroll in Medicare will receive a red, white, and blue Medicare ID card. It shows your name and eligibility dates for Part A and Part B. It will also feature your Medicare Beneficiary Identifier (ID number) or MBI. The MBI replaced Social Security numbers on Medicare cards with letters and numbers. Doctors and hospitals use your unique MBI to submit Medicare claims when you access care.
- If you have additional coverage from an insurance company, such as a Medicare Supplement Plan F or G, you give providers that ID card as well as your Medicare ID so you receive all the benefits to which you are entitled.
- If you are enrolled in a Medicare Advantage Plan (typically an HMO), you usually only need to present your Medicare Advantage Plan card.
_____________________________________________________________________________________________________________________________________
We are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent seven organizations which offer 16 prescription drug plans and countless other products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. The purpose of this communication is the solicitation of insurance.
