Understanding Medicare Coverage

At Shelton Insurance, we understand how important it is to make informed choices about your Medicare coverage. Our team is here to guide you through the basics, explain your options and help you find the right plan for your needs.

What Is Medicare and Who Is Eligible?

Medicare is a federal health insurance program primarily for people 65 and older, though some younger individuals with certain disabilities or health conditions may also qualify. Eligibility typically begins three months before your 65th birthday and continues for seven months. This is known as the “initial enrollment period.” Understanding when and how to enroll is crucial to avoid potential penalties or gaps in coverage.

The Basics of Medicare Coverage

Medicare is divided into several parts, each covering different health care needs:

• Part A (Hospital Insurance) can help cover inpatient hospital stays, skilled nursing facility care, hospice and some home health care.
• Part B (Medical Insurance) can assist with costs for doctor visits, outpatient care, durable medical equipment and preventive services.
• Part C (Medicare Advantage) is offered by private insurers. These plans combine Parts A and B and often include additional benefits like vision, dental or prescription drug coverage.
• Part D (Prescription Drug Coverage) can help pay for prescription medications.

Medicare Coverage Options in California

California residents have access to a wide range of Medicare plans, including Original Medicare (Parts A and B), Medicare Advantage plans and Medicare Supplement (Medigap) policies. Each option has its own benefits, costs and provider networks. Choosing the right plan depends on your health needs, budget and preferred doctors or hospitals.

How We Can Help

Our team at Shelton Insurance is dedicated to helping you understand Medicare coverage. We take the time to explain the differences between plans, answer your questions and assist with enrollment.

Contact us today to speak with our knowledgeable team and learn more about your Medicare options and needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.