MEDICARE SUPPLEMENTAL
INSURANCE POLICIES

INDIVIDUALS     FAMILY     GROUPS     SENIORS

 Medicare is a federal insurance program for people age 65 and older and certain disabled people.  It is run by the Health Care Financing Administration (HCFFA), which is part of the United States Department of Health and Human services.  Medicare is the nation's largest health insurance program and covers 39 million Americans.

The Medicare insurance program consists of:

As valuable as Medicare is, it has its limitations.  Not "ALL" medical charges are paid for by Medicare. It covers all or part of many medical expenses - both hospital and doctor fees - but you are still held responsible for deductible and coinsurance payments.  Plus, if your doctor does not accept Medicare assignment, your medical costs  could exceed Medicare's approved charges and you would be required to pay the difference out of your pocket.

There are many Medicare supplemental insurance plans created to supplement or bridge the gaps in Medicare coverage.   They offer more freedom to choose the hospitals and doctor of your choice than with an HMO, however you pay a monthly premium. 

These Medicare Supplement or Medigap Insurance policies 
(as they are also called) vary in what they cover and how much they cost, with the most comprehensive coverage bearing the higher costs.

Choosing the coverage and the doctors that are right for you and your specific needs takes education, review, and an understanding of what can seem like a complex process. BEST PRODUCTS prides itself on simplifying the complexity and putting you on a path to a more secure senior life.  

If you are a California resident, please contact us today so we may review all your needs and requirements,  Let us put you in control.