Medicare Supplemental Health Care Insurance

Brawley, El Centro, Calexico, and all of Imperial Valley are home to tens of thousands of people who qualify for Medicare now or will qualify for it in the near future. Reaching the age of Medicare eligibility can be an exciting for many people as they pursue long-deferred projects and dreams, but it also introduces changes that cause stress and confusion. For example, for most Americans, it is the first time that they will have to factor government programs into how they pay for medical care. Medicare, the taxpayer-funded health insurance program for Americans aged 65 and up will pay for many health care services, but not all. To protect their retirement assets from runaway medical costs, many seniors turn to private health insurance to fill the gaps in Medicare health coverage. Health care insurance designed to supplement Medicare often is known as Medi-Gap insurance.

The seemingly small holes in Medicare coverage can result in large expenditures at a time when people can least afford it. Medicare Part A, for example, pays for hospitalization, but it also has large deductibles and coinsurance requirements. Similarly, Medicare Part B covers common medical services, but only up to 80 percent of approved Medicare rates. If a doctor or clinic charges more than the Medicare guidelines allow, the Medicare recipient is on the hook for the outstanding balance. Medicare part B also requires the insured to meet an annual deductible before medical coverage begins.

Because Medi-Gap insurance covers a narrow range of services—only the ones not covered by Medicare Part A and Part B—the premiums are not as large as those for traditional health insurance. The health insurance experts at Stokely Health Insurance are fully versed in the details of Medicare, so they can recommend the best supplemental health insurance for you or a loved one.

Our motto of "Securing your well-being with quality service" applies even more to seniors who live in fear of uninsured medical costs destroying their savings when they are on a fixed income. If you are 65 years old or soon will be, fill out our simple online form to receive a free quote for Medi-Gap health insurance. There is absolutely no obligation to buy, so complete the form today!