Medicare part b — Costa Mesa, CA

Supplemental Medicare plans, also known as Medigap policies, are offered by private insurance companies to help cover out-of-pocket costs like deductibles, copayments, and coinsurance that Original Medicare (Part A and Part B) doesn't cover. These plans work alongside your Original Medicare. It's important to note that you generally cannot have both a Medicare Advantage plan and a Medigap policy at the same time. A licensed advisor can help you choose the right one.

Enrollment in Medicare typically occurs during specific periods. Your Initial Enrollment Period (IEP) begins three months before your 65th birthday, includes the month you turn 65, and ends three months after. There's also an Annual Enrollment Period (AEP) from October 15 to December 7 each year. Special Enrollment Periods (SEPs) may apply if you lose other coverage. It's important to enroll during the correct period to avoid late enrollment penalties. We can help guide you through the process.

HealthSpring is a company that offers Medicare Advantage plans in many areas. If you are in Costa Mesa, you can explore whether HealthSpring has plans available that meet your healthcare needs. A licensed, insured advisor can help you understand the specific benefits and costs associated with HealthSpring plans and compare them to other Medicare options. It's about finding the best fit for your coverage and ensuring you make an informed decision.

Medicare Part D is the part of Medicare that helps cover the cost of prescription drugs. It's an optional benefit that you can add to Original Medicare (Part A and Part B) or it's often included as part of a Medicare Advantage (Part C) plan. Each Part D plan has a formulary (list of covered drugs), and your costs will depend on the drug's tier and your plan's copayment or coinsurance structure. It's essential to check the formulary for your medications.