Medicare Supplement Health Insurance for Seniors
We’ve Moved!!
Visit our NEW home!! –> Senior Insurance Services of San Diego
Our full service Medicare Plan website is finally up and running!
(For San Diego County and all of California). Call Pamela Cook (CA Insurance 0G04182) for live help – 1.888.520.8683.
We’d love to hear your feedback on the new site, and any suggestions for improvement.
Anthem Medicare Supplements are on Sale!! learn more…
For your convenience, some direct links to our new website:
Request a Quote
Medicare Advantage Plans for San Diego County
California Medicare Supplements
Anthem Freedom Blue PPO
Secure Horizons for San Diego County
Current Enrollment Period
We are now in Lock In (February 15th – October 15th 2011). That means no switching of Medicare Advantage Plans, or Part D Prescription plans (unless you qualify for a special election period). Click for more info
This Page is dedicated to anyone seeking a simple explanation of Medicare and options for supplemental insurance. We explain all plan types available in San Diego County.
Find Answers Fast, or Get A Quote!
Jump to:
- Medicare 101 video
- Medicare Basics
- Frequently Asked Questions
- Ask a Question
- How to Pick the Right Plan Type For You
Pamela Cook
CA Insurance 0G04182
Oceanside, CA
(760)444-2663
Toll Free 1.888.520.8683
Medicare 101
Medicare Basics
Medicare Part A
Hospital insurance that covers inpatient hospital visits. It can also help cover skilled nursing facility stays, hospice and home health care. If you or your spouse paid medicare taxes while working, you should not have to pay for Part A.
Medicare Part B
Medical Insurance that helps cover doctor visits, outpatient services and home health care. You must pay a monthly premium for part B.
Medicare Part C
A Medicare Advantage Plan. A private insurance company contracts with Medicare to combine your Part A and Part B (usually prescriptions too). The insurance company dispenses your benefits instead of the Government. More on Medicare Advantage Plans…
Medicare Part D
Standardized Prescription Coverage that must be purchased through private insurance companies. If you choose not to enroll in Part D, you will pay a penalty if you decide to sign up later.
Important Links
Medicare and You 2011 Handbook ->(this one is more up-to-date than the 2011 paper copy)
What is Medigap?
Medigap Plan types
Medicare Advantage Plans
How To Choose a Plan
Ask A Question
Contact
FAQ
Frequently Asked Questions
When do I become eligible for Medicare?
Do I need to apply for Medicare?
Do I need Medicare Supplement insurance?
What is the difference between a Medicare Supplement and a Medicare Advantage plan?
I’m not happy with my current Medicare Plan. Can I switch plans?
When do I become eligible for Medicare?
You become eligible to receive Medicare the 1st day of the month that you turn 65. If you are under age 65 and disabled, you will receive Medicare after your 24th month of disability benefits.
Do I need to apply for medicare?
If you are already receiving Social Security when you turn 65, you will automatically be enrolled in Medicare. If you aren’t receiving Social Security (for example because you are still working), you will need to apply for Medicare.
Do I need medicare supplement insurance?
There is no requirement to get Medicare supplement insurance, but it would benefit you to explore your options. With Medicare Part A and B only, you will have deductibles and copays, and there is no cap on the out of pocket expenses you could incur.
What is the difference between a medicare supplement and a medicare advantage plan?
A Medicare supplement plan is a policy through a private insurance company that helps pay for gaps in coverage that Medicare doesn’t cover. A Medicare Advantage plan is a policy through a private insurance company (usually an HMO or PPO) that replaces your Original Medicare coverage.
I’m not happy with my current Medicare Plan. Can I switch plans?
Yes, you can switch plans, but only at certain times of the year. The most flexible enrollment period is the Annual Election Period, Nov 15- Dec 31st. During this time you can switch between any plan types.
Visit the FAQ page for more frequently asked questions, and to ask a question.
How to Choose a Medicare Health Plan
Do you feel you understand all the parts of Medicare, and would like to explore the options to supplement your coverage? Choosing a plan can be a daunting task!
Where do you start? The possibilities seem endless. I have developed a simple system to help you choose the option that’s right for you. Read more…
Areas I service
I service all of San Diego County, including, but not limited to:
San Diego, Chula Vista, El Cajon, Poway, Rancho Bernardo, La Jolla, Encinitas, Carlsbad, Oceanside, Vista, Fallbrook, San Marcos, Escondido, and more.
I’m available for appointments in any of these areas, as well as Temecula in Riverside county.
If you live outside of my service area, but are still in the state of CA, I can still help you with your insurance needs over the phone – (760)444-2663.
Contact Me
(Medicare Supplement and Medicare Advantage Plans for San Diego County, Including all of San Diego, as well as North County, including Oceanside, Vista, Carlsbad, Encinitas, and surrounding areas).
