Medicare in Available Nationwide 

Navigating the complexities of Medicare can feel overwhelming, especially as you approach age 65 or consider changing your current coverage. Understanding your options is the first step toward securing the healthcare support you need.

Understanding the Parts of Medicare

Medicare is divided into several parts, each designed to cover specific types of services. In California, beneficiaries typically choose between Original Medicare and Medicare Advantage plans.

Part A (Hospital Insurance): This generally covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Part B (Medical Insurance): This covers certain doctors’ services, outpatient care, medical supplies, and preventive services. Together, Part A and Part B are often referred to as Original Medicare.

Part C (Medicare Advantage): These are all-in-one alternatives to Original Medicare, offered by private companies approved by Medicare. These plans include Parts A, B, and usually D. Many California Medicare Advantage plans also offer extra benefits such as vision, hearing, and dental care.

Part D (Prescription Drug Coverage): This helps cover the cost of prescription drugs and is available to everyone with Medicare.

Supplemental Coverage and Plan Selection

For those who choose to stay with Original Medicare, Medicare Supplement insurance (Medigap) is an option to help pay for remaining healthcare costs, such as copayments, coinsurance, and deductibles. Choosing between a Medicare Advantage plan and a Medicare Supplement plan depends on your specific health needs, preferred doctors, and budget.

Factors such as monthly premiums, out-of-pocket limits, and pharmacy networks can vary significantly between plans. Our team works closely with you to compare these variables and ensure your healthcare coverage for seniors aligns with your lifestyle.

Contact Us Today

If you have questions about Medicare in California or need assistance reviewing your current plan, our team is here to help. Contact OHM Benefit & Insurance Solutions today to discuss your options and find the right coverage for your needs.

Visit our website or reach out directly through our contact page.