If you are approaching Medicare eligibility, or already on Medicare and are confused about what your options are, we can make the process easy. We have extensive experience with Medicare Insurance in California.
Whether you are leaving a group employer plan, or a spouses plan, or maybe you’re aging in to Medicare at the age of 65, we can help.
How we help with Medicare Insurance
Choosing the right Medicare Supplement plan
Understanding Original Medicare vs. Medicare Advantage
How to choose the most cost effective prescription drug plan
How to minimize your out-of-pocket expenses
Understanding enrollment periods and penalties
How to avoid higher Medicare premiums
California Medicare Supplement Insurance
Medicare Supplement insurance works in conjunction with Original Medicare (not Medicare Advantage) and is designed to cover some of the out-of-pocket costs that Original Medicare (Parts A & B) do not cover, such as deductibles and co-insurance.
Choosing the right Medicare Supplement policy can be a daunting task, but at WHINS, we’ll consult with you and make sure you buy the right policy that covers what you need, and at the right price.
Medicare Advantage Coverage in California
Medicare Advantage is an alternative/replacement to Original Medicare. Medicare Advantage works very much like traditional individual or group insurance, where most, or all of your benefits come directly from one singular insurance company.
Your doctor, hospital, prescription drugs, therapy, and more, are all covered under one plan with one ID card.
It’s important however that you understand ALL of the differences between Original Medicare and Medicare Advantage before choosing your plan, because you could potentially make a decision that cannot be undone, costing you hundreds if not thousands of dollars in out-of-pocket costs.
Medicare Part D in California
The cost of just one expensive prescription drug can be enough to financially ruin someone, especially those who are aging, retired, and living on fixed/limited incomes. This is why it’s imperative to choose the right Medicare Part D prescription plan.
Here’s the kicker — Part D plans change every single year. Benefits, deductibles, copays, and out-of-pocket-maximums can and do change on a yearly basis. This is why you need and advisor like WHINS Insurance to work on your behalf to make sure you’re always properly covered, year in, and year out.
Why WHINS is your go-to Medicare Agency
One of the biggest mistakes we see Medicare eligible people make in California is dealing directly with Medicare, and directly with the insurance carriers. This fragments the process and just adds more confusion. What’s more, you could be sold a product that is more beneficial to a salesperson than it is to you.
At WHINS, we’ll show you ALL of your options, and arm you with the education that will help you make the best possible coverage choices. And of course, we’re here to help you apply for coverage as well.
If you have general questions, and would like to discuss your Medicare options, WHINS Insurance Agency is the only number you need. Call our office today, or submit an inquiry on our quotes page to get the process started.