Are you 65 years old or older? We can help you understand Medicare Health Plan. We offer you guidance and assistance to answer all your questions. We help you choose the right plan for your needs.

We are licensed and certified to enroll individuals who is turning 65 years of age to enroll in Medicare Advantage Plan or simply want to change their health care provider. Our service is $0 cost to you and there is no obligation. Learn more and call us today, for more information. We're always looking forward on serving you.

We can start the application process 3(three) months before or after you turn 65.

Medicare Advantage, created in 1965, originally consists of Part A (hospital insurance) and art B (medical insurance) and operates as a fee-for-service system. Under this program, a beneficiary can go to any physician or health facility in California or in other states that accept Medicare payments.

Part C plans, or the Medicare+Choice program, was created in 1997 as an alternative to traditional parts A and B plans. Part C is designed to give the beneficiaries access to a wide array of more cost-effective, private health plan choices in California. In 2003, part C was renamed Medicare Advantage, as part of the Medicare Prescription Drug, Improvement, and Modernization Act (also called the Medicare Modernization Act or MMA). Medicare Part D or the Medicare Prescription Drug Plan (PDP) was also enacted as part of MMA.

California PDP provides some insurance coverage for brand name and generic prescription drugs. Medicare works with insurance companies to offer the different PDP plans. To geta PDP, you must already have Part A and/or B. However, the cost of PDP plan differs depending on the company.

The Medicare Advantage, or California Part C plans are required to provide the same advantages for beneficiaries in California and in other states covered under the traditional fee-for-service plan, except for hospice. The Part C plans can offer supplemental benefits not covered by the traditional plan, and are prohibited from denying or limiting coverage based on health status related factors. The only exception in that Part C plans do not have to accept enrollees from California or from other states who have end-stage renal disease.

• Individual and Family
• Short Term
• Child
• Dental
• Group Insurance
• Medicare Advantage
• Medicare Supplement
• Self-Employed
• Small Business
• Travel Insurance

Each beneficiary in California entitles an individual to choose to receive benefits through either the Medicare Advantage (Part C) plans or original fee-for-service program under parts A and B or through PDP for drug coverage only. Some offer stand-alone PDP plans to help balance one's health needs and budget. Stand-Alone PDP lets you add drug coverage to you original Medicare coverage.

California Medicare Advantage (Part C) plan options include:

• Health maintenance organizations (HMOs)
• Point of Service (POS) plans
• Preferred Provider Organizations (PPOs)
• Provider Sponsored Organizations (PSOs)
• Private fee-for-service plans