Medicare and Supplemental Insurance in California Information

If you or someone you love is age 65 or older and needs health insurance; you need to learn about Medicare.

To understand Medicare, it helps to think about the way medicine was practiced in 1965 when Congress created the program. Back then, people stayed in hospitals for long periods of time so that they could recuperate. Family doctors made house calls and there were few options for prescription medicine. Medicine is much different today: doctors are highly specialized; advanced diagnostic, testing and drug treatment procedures keep people out of the hospital. Yet, basic Medicare coverage pays for a year’s worth of hospitalization; only a portion of doctor charges and until 2006, Medicare paid nothing for prescription medicine. You need to “plug the holes” or “gaps” in Medicare. We’ll show you where the gaps are and explain your options for closing the holes with Medicare Supplemental Insurance in California.

First you’ll need to know how Medicare works. We’ve written an easy-to-understand guide to the different “parts” of Medicare. You’ll see how the parts fit together and where coverage is limited or missing.

After you understand the Medicare basics, you should learn about filling in the gaps in Medicare and California Medigap Insurance. This short guide describes how you can have complete health insurance coverage in your senior years.

Once you understand how Medicare works and your options to fill the gaps, you can take action and select and enroll in a Medicare supplemental plan assuming that this option best fits your needs. Here, you can obtain quotes from Anthem Blue Cross, Blue Shield of California and other insurance companies for supplemental Medicare plans. We’re licensed insurance agents and certified to assist seniors enroll in Medicare supplemental policies and Medicare Advantage plans.

If you’re eligible to enroll in Medicare but you’re also working and covered by your employer’s group health insurance plan, you’ve got some options for coverage.

Senior Health Insurance Advice

How Medicare works – understand what all of the “parts” of Medicare do and how they fit together.

Filling in the Gaps in Medicare – understand your options for complete health insurance coverage.

Select and Enroll in a Medicare Supplemental Plan – get an online quote and enroll in a Medicare supplemental policy.

Medicare Prescription Medicine Benefit Part D – an Overview

Turning 65: Employer Plan vs. Med Sup – This helpful guide helps those turning 65 answer the question: Should I Stay on my Employer’s Group Health Plan or Enroll in a Medicare Supplemental Plan?

Need personalized advice? Feel free to give us a call at 1-800-746-0045 and we can help you find the California Medicare supplement plan based on your specific needs and requirements.

  • Bruce Jugan

    Bruce is an expert in group medical insurance and employee benefits for small to mid-sized companies. He's been a licensed agent/broker since 1993. Bruce has written all of the content on He and his team help employers select medical plans; communicate information to employees; stay in compliance with various rules and regulations; and solve benefits-related problems that may arise.