California Health Insurance

California Health Insurance

Have you enrolled for the Health Insurance In California? If your answer is a yes, you must be aware that there are premiums to be paid. There are three different ways of calculating the premiums. The article helps you to understand about it .

Despite having an Original Medicare coverage, you have to pay excess fees, coinsurance, copayments and deductibles. This is when the Health Insurance In California can prove to be beneficial and a great relief for your medical expenses that are not covered by Parts A and B.

Enrollment statistics

  • The largest counties in California include:
  • San Diego
  • Los Angeles
  • Riverside
  • Orange
  • San Bernardino
  • As per 2014 survey, Health Insurance In California have 400,000 enrolled policy holders. Moreover, there are 250,000 people enrolled in Plan F.

When to apply for Medicare Plan in California?

Guaranteed Enrollment

The best time to apply for a Medicare Supplement Plan in California is during your Initial Open Enrollment period. The period is for six months when you are entitled to the assured medical coverage under every Health Insurance In California. There are two things important, including:

  • You are 65 years or enrolled for Medicare Part B
  • Enrolling Parts A and B is a must to be eligible for Health Insurance In California.

Enroll Anytime

You can also apply for any Medicare Supplement Plan in California, whenever it is suitable for you. In case, your Medicare Part B enrollments six-month period has passed by, and you don’t qualify for a Special Enrollment Period, you have underwrite the process. The insurance company considers your pre-existing conditions and medical history before deciding on the premium rate.

Calculating the Medicare Plan rates

There are three systems that are in practice.

  1. Attained Age

Based on your current age, the premium rate will be determined.

  1. Issue Age

This process calculates the premium on the basis of the period you enrolled for the Medicare initially.

  1. Community Rating

Based on the region or community you belong, the premium rates are determined, without any age factor.

Comparing the Medicare Plans in California

Currently, there are 10 Health Insurance Accessible in California. But, the majority of the insurance companies consider the following three Medicare Plans as the well renowned options.

  • Plan N
  • Plan F
  • Plan G

According to 2014 America’s Health Insurance Plans, Plan F has emerged as one of the most popular Health Insurance In California with a 30% increase in the policy purchase.

Using California Health Insurance In other states

The California Health Insurance Enable you to see any doctor accepting the Original Medicare of California in other states of the USA without any restrictions like networking, referrals and fees. As a policy holder, you have the complete right and the authority to determine the doctors you want to get treatment beyond any geographical boundary. In terms of the quality of health care under Medicare plans, California ranks 41st. There are several specialists, but you can still see doctors from another state and enjoy all the benefits.

How to apply for Medicare Plans in California?

Even after you research , compare the rates and study about the coverage outlines, you will still be confused about the Health Insurance In California. This quite natural as you cannot learn everything about the health care system in one day. If needed, consulting a Medicare Specialist is a good idea.

Medicare Resources in California


This is an excellent program for senior citizens with low income. It covers your medical expenses along with the Plan B premium charges.

HICAP (Health Insurance Counselling Advocacy Program)

Under the program you can receive free counselling with respect to Medicare and other health care in California.

Qualifying for Extra Help

If you belong to the low income group, the Extra Help is the program that can be quite helpful for the seniors and disabled individuals eligible for health insurance in their area. This is a nationwide health care program that helps to cover the Part D Medicare premiums, deductibles and Copayments.

Medicare Advantage Plans in Philadelphia, PA

Medicare Advantage Plans in Philadelphia, PA

If you live in the Pennsylvania area, there are several excellent options when looking for a cheaper Medicare plan. A Medicare Advantage plan generally provides a really affordable fee with quality insurance. Depending on the insurance company, monthly premiums can vary from $0/month to $90/month. Why the difference in prizes? A company can provide a large network of doctors and hospitals, while another provider may have a much smaller list of providers to choose from. There may also be a significant difference in copayments from one plan to another. Finally, one plan may offer extras such as glasses and dental products, while another does not.

In Philadelphia, the largest health insurance company is Independence Blue Cross. They have renewed their Medicare Advantage plans by visiting and now offer a plan that in a very short time has become an extremely popular option for Medicare beneficiaries. If you live in Philadelphia, Bucks, Chester, Delaware or Montgomery County, and if you have Medicare Part A and Part B, you are eligible for this Medicare Advantage plan called Keystone 65 Select HMO.

Why is this important for residents of Philadelphia and its immediate suburbs? Keystone 65 Select HMO offers exceptional coverage with premiums starting at $15/month! This is a medical only plan. If you are looking for a prescription drug plan, Keystone 65 Select HMO also has this goal. The Keystone 65 Select HMO, including prescriptions, costs only $42.10/month! First, it is comprehensive coverage with a company you can trust. This new Keystone 65 Select HMO plan covers many preventive services without a copayment. Primary care doctors visits are covered with a $ 20 copy, specialist visits are copied with $45, hospitalization is $ 215 per day on days 1-8, with no subsequent copies. Referrals are required for most specialized services, and you must use plan providers, except in emergencies or urgently needed care.

medicare advantage plans 2020The popular silver shoes are automatically included in the Keystone 65 Select HMO plan and offer members a basic gym membership at no additional cost! More than 200 gyms participate in the greater Philadelphia area, and many offer specialized gym classes for Silver Sneakers members only. In addition, the Keystone Select HMO offers the Choice Program for an additional $10 per month. This Choice program offers preventive dentistry, a benefit for glasses and a benefit for the hearing aid. If you live in the greater Philadelphia area, there are some iconic brands near and dear to us: Tastykake, Gino’s, Rocky, The Mummers and, yes, Independence Blue Cross. Independence Blue Cross is an exceptional health insurance company with a long tradition of providing the highest quality health insurance to its members.

The Difference Between Medicare Advantage and Medicare Supplemental Insurance

The Difference Between Medicare Advantage and Medicare Supplemental Insurance

Medicare is the national social insurance administered by the US government. UU It was created in 1965. Americans aged 65 and over are guaranteed access to medical care through this program. However, younger people with disabilities or those in the late stages of kidney disease are covered by Medicare. Medicare benefits fall into four categories as follows:

  • Part A – hospital coverage
  • Part B – Medical coverage
  • Part C: Medicare Advantage Plans
  • Part D – prescription drug policy

The Part A plan insures any required hospitalization, while Part B insures visits to the physician and also any medical equipment the patient may require. Consequently, there are loop holes in these coverage that may be insured by a Medicare Advantage plan or a Medicare supplement policy.

Private companies offer plans that work with Medicare and usually include prescription drug coverage. They may be HMO, PPO or private services, but will not affect you negatively despite receiving the benefits of Medicare. Secondary health coverage policies that relate to Medicare insurance are referred to as Medicare Supplements. Also they are referred to as federally standardized “Medigap” policies. As with best Medicare Advantage plans, Medicare supplements also function with Medicare. Both types of plans are similar to each other in certain respects, but there is also a considerable difference between them and many different options. They offer additional coverage to your current Medicare; however one of the main discrepancies is that Medicare Advantage fees are generally less than Medicare supplement policies. These include benefits and prescription drug coverage that the original Medicare does not have. The fees out-of-pocket are also higher.

There are some services which Medicare supplements do not include and there are no network of providers with supplemental plans while Advantage plans exist. Although there are provider networks, you will pay additional costs for leaving this provider network. Another significant difference between Advantage and supplemental insurance is that Advantage plans limit the times of year that you can enroll in one of your plans so visiting can be of help. In contrast, supplemental plans allow you to sign up whenever you want throughout the year. Finally, you must have Medicare Parts A and B to enroll in Medicare Advantage and Medicare supplemental plans. More information on any of the plan types is available on the Medicare official website. You should talk to a licensed professional from an independent coverage broker before taking any decision.

Does Medicare Benefit Plans Improve The Quality Of Care?

Does Medicare Benefit Plans Improve The Quality Of Care?

From the Medicare Modernization Act of 2003, the Medicare Advantage program we know today was born. These types of polices permit older people and people qualified for Medicare as a result to a disability to obtain health insurance from private health coverage firms. Private insurance companies that offer Medicare Advantage (MA) plans must provide the same rewards provided by Medicare Parts A & B. Part A includes hospital coverage, while Part B includes medical coverage. In addition to outpatient and outpatient coverage, Advantage plans found with also cover some prescription drugs. That’s why these policies are in some cases called Medicare Part C. The plan combines Medicare Part A, B and sometimes Part D.

As MA plans are available, they have become a popular alternative to Original Medicare. In 2010 alone, approximately 25% of all Medicare beneficiaries were enrolled in Medicare Advantage plans. With an initial enrollment of 5.3 million, subscribers have more than doubled and numbers still increase every year. Medicare Advantage plans paved the way for beneficiaries to expand traditional Medicare benefits. Since the program began, the success of Medicare Advantage plans among the elderly has been a matter of debate. Recently, data on the quality of care that MA subscribers receive has been published.

Medicare Advantage plans offer better quality of care

According to a study by Niall Brennan (acting director of the Office of Policies of the Centers for Medicare and Medicaid Services) and Mark Shepard (candidate for a doctorate in economics at Harvard University), MA plans offer increased attention quality compared to Medicare service charge plans for hospital use and care using widely accepted quality measures. In 2006, when the first data on the Medicare Advantage plans were available, Brennan and Shepard used 11 measurements to analyze the underutilization of an effective treatment. Of the 11 measurements, the MA plans performed significantly better than the service rate plans in 9 service rate plans. Payment-for-service plans only exceeded Medicare Advantage plans in some measures that were not so significant for general care.

The United States Health Insurance Plans (AHIP) conducted a similar study using HEDIS measurements (Data set and information on health effectiveness). The study shows improvements in the quality of medical care for AM members with diabetes and heart disease. The results show that, compared to service rate plans, people with insured MA have less hospital readmissions and shorter stays. As for patients with heart disease, the trend was the same. MA’s plans have done a better job of avoiding unnecessary hospitalizations by increasing the use of medical appointments and outpatient services. Re-entries have also decreased due to well-planned, superior and well-planned procedures and the coordination of medical care.