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Health Insurance Coverage Resources for Seniors

health insurance plans healthcare provider medical vists Medicare Medicare Advantage Medicare Part D Medicare Supplement Insurance virtual healthcare

As a senior, there are a variety of health insurance plans to choose from. When you retire and are no longer enrolled in your employer-sponsored health plan, it is easy to get overwhelmed with the different health coverage options available. The list below describes each insurance program and provides links to resources. It is important for you to consider your own personal needs and financial situation before applying for coverage.

Medicare

What is Medicare?

Medicare is a federally funded insurance program for eligible participants age 65 years old or older. There are two parts to Medicare - Part A (Hospital Insurance) and Part B (Medical Insurance). To get more information on Medicare, visit the Social Security Medicare Benefits page. Please note that Medicare does not cover 100% of all medical expenses or the cost of most long term care. For those with traditional Medicare, the California Department of Insurance recommends purchasing a Medicare Supplement Insurance policy to help offset health care costs. 

How to apply for Medicare coverage?

To get more information on how to apply for Medicare, please visit Medicare.gov or contact your local Department of Aging (HICAP) for assistance. If you would like to get a printed copy of the “Medicare and You” handbook mailed to you, please call 1-800-MEDICARE (1-800-633-4227).

Medicare Advantage

What is Medicare Advantage?

Medicare Advantage is an alternative to traditional Medicare Part A and Part B. Medicare Advantage Plans are approved by Medicare, but are run by private companies that include Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs).

How to apply for Medicare Advantage coverage?

To get more information on how to apply for Medicare Advantage, please visit Medicare’s website for Medicare Advantage Plans. If you have questions related to Medicare Advantage Plans, contact Medicare at 1-800-633-4227.

Medicare Part D

What is Medicare Part D?

Medicare Part D is a voluntary prescription drug program for Medicare beneficiaries. Prescription drug plans are sold by private companies but must be approved by Medicare. Before you purchase a prescription drug plan, it is important to make sure the one you are considering is approved by Medicare. Drug plans can have rules about what drugs are covered in different drug categories, so you should also make sure the plan you are considering covers any brand name drugs you are currently taking and wish to continue.

How to apply for Medicare Part D coverage?

To get more information on how to apply for Medicare Part D, please visit Medicare’s website for Prescription Drug Coverage. If you need financial assistance paying Medicare prescription drug plan costs, visit the Social Security page on how to apply for extra help. This is a Medicare Part D program to assist certain low income individuals with the cost of prescription drug coverage.

Medicare Supplement Insurance

What is Medicare Supplement Insurance?

Medicare Supplement Insurance (also known as Medigap) provides coverage for gaps in medical costs that are not covered by Medicare. Medicare Supplement plans are standardized and offer various benefits to help offset your healthcare cost.

How to apply for Medicare Supplement Insurance Coverage?

To get more information on how to apply for Medicare Supplement Insurance coverage, please visit the Guide to Medicare Supplement page. To purchase Medicare Supplement Insurance you must be enrolled in Medicare Part A and Part B.

Medi-Cal

What is Medi-Cal?

Medi-Cal is California’s Medicaid program that provides health insurance for low-income individuals including seniors and persons with disabilities. It also provides needed health care services for families with children, foster care, pregnant women, and low-income people with specific diseases such as tuberculosis, breast cancer, or HIV/AIDS. Californians who earn up to 138% of the Federal poverty level are eligible to apply for coverage.

How to apply for Medi-Cal coverage?

To get more information on how to apply for Medi-Cal, please visit your local County Medi-Cal office or visit the California Department of Health Care Services website. You can also call 1-800-541-5555 for more information and assistance. Each county in California determines eligibility, enrollment, and handles complaints. Covered California also accepts applications and can help you get coverage.


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