Joe's Insurance Sales
Your Medicare Agency
We are here to help if your turning 65 or have been in the Medicare system for years. With premiums, deductibles, copays, maximum out of pocket, percentages, tiers and coverage gaps Medicare can be quite complex. Allow us to make it simple for you. California Pros is here to help you navigate through the Medicare Maze. We promise to help you find the policy that suits your needs based on your primary care physician, least expensive drug costs and finding the benefits that are important to you. Our goal is to equip you with the information you need to obtain and maintain the best coverage available in your area.
Medicare Advantage Coverage Part C is A type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits and more. Medicare Advantage Plans include (HMO) Health Maintenance Organizations, (PPO) Preferred Provider Organizations, (PFFS) Private Fee-for-Service Plans, (SNP) Special Needs Plans, (MSA) Medicare Medical Savings Account Plans.
Medicare Advantage Part D is your Medicare Drug Coverage. Each Medicare drug 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. A drug in a lower tier will generally cost you less than a drug in a higher tier. Your prescriber may think you need a drug that's on a higher tier. If so, you or your prescriber can sometimes ask your plan for an exception to get a lower copayment.
Medicare Supplement Insurance (Medigap) policies helps pay some of the health care costs that Original Medicare doesn't cover. For example: Copayments, Coinsurance and Deductibles. Medigap policies are sold by private companies. Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy.