Health Insurance for Seniors - California Medicare
Most people under 65 get group health insurance through their or their spouse’s job. Group health insurance costs less than individual health insurance. Most people who are 65 and older get Medicare from the federal government. Medicare has two parts:
- Hospital Insurance (Medicare Part A) helps pay hospital bills
- Medical Insurance (Medicare Part B) helps pay for doctor bills
Anyone enrolled in Social Security is automatically signed up for Medicare when turning 65. Anyone not on Social Security can sign up for Medicare at the local Social Security office.
Initially, most people get Medicare Part A coverage when signing up. There is no fee involved.
Medicare Part B is optional and has a fee. Generally, individuals who are still working and covered by a employer-provided group health plan not need Medicare. It’s best to keep group coverage for as long as possible. Some employers may continue health care coverage for long-time employees when they retire. But Medicare becomes the primary insurer and the group coverage will pay only when Medicare does not provide coverage.
Those on Medicare without such group coverage to fill in health care gaps can buy a Medicare Supplemental or Medigap policy, regardless of health. Anyone who misses this “open enrollment” period may not be able to subsequently buy the Medigap coverage desired.
Long Term Care
Long-term care insurance is not part of Medicare and is purchased from private insurers. It is designed to pay for the many services needed by people who suffer from chronic long-lasting illnesses and need regular care, usually in a nursing home, but in some cases in-home care. For those who have this coverage, at least two activities of daily living, such as bathing, eating, dressing, continence and mobility, and/or cognition must be lost in order for the coverage to take effect. While this primarily affects the elderly, a substantial number of cases involve people under the age of 60.
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Contact ZIS for Professional Support
Call us to get quality expert advice and support in choosing the right seniors medicare plan and in getting the comfort you seek through a reliable and quality healthcare plan. Get the proper seniors healthcare plans at the most affordable prices.
- Call us Toll Free: 1-877-990-3808
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Call us at any time you need help and assistance in getting the best health insurance and medicare coverage. We listen to your needs, try to answer all your questions, and give you a trusted and experienced choice. We are your team of health insurance professionals.
