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Health Insurance mission viejo, ca
The new California Health Exchange
will begin enrolling on October 1st for a January 1, 2014 effective date. You need to get the facts from an expert!
• Guaranteed issue (all health policies are guaranteed issue)
• No underwriting!
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• Open enrollment ends March 31, 2014.
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long-term care insurance
Protecting your assets with long-term care insurance
is still a top priority before you retire. Approximately 2 out of 5 people will need some form of long-term care in their life-time. Learn how devastating it can be and how to protect yourself!
annuities and protecting your retirement
Annuities remain a smart choice
, for keeping your retirement safe from loss. They also offer competitive returns when compared to other retirement vehicles such as CD's, money market, savings, etc. Find out how we can help you keep your retirement during these uncertain economic times.

Medicare Health Insurance Plans

What is Original Medicare?

Original Medicare is health care insurance provided through the federal government. It is sometimes called “traditional” Medicare.

Original Medicare includes Part A and Part B.

Part A helps pay for inpatient care in the hospital or a skilled nursing facility.

Part B helps pay for outpatient care, such as doctor visits, preventive care and more.

Medicare Health Insurance Plans

Medicare has four parts which include Part A, B, C and D. We will discuss each part below to help you get a basic idea of how the program is structured.


Part A - Hospital Insurance

Part A covers inpatient hospital stays, semi-private room, food and medical tests. The maximum length of stay is approximately 90 days with the first 60 days being paid in full by Medicare and the remaining 30 days requiring a co-payment from the patient.

In addition to hospital stays, Part A provides for hospice benefits where terminally ill person with under six months to live are treated by professional care givers.

Part B - Medical Insurance

Part B pays for doctors and some of the services/products not covered under Medicare Part A. It begins after the patient meets their deductible and covers approximately 80% of the Medicare approved services or treatments.

Examples of what Part B covers:

    • X-rays
    • Laboratory Tests
    • Blood Transfusions
    • Outpatient Procedures
    • Chemotherapy
    • Influenza Vaccinations

Part C - Medicare Advantage Plans

These plans are offered in both HMO & PPO through private companies to fulfill the benefits of Medicare Parts A , Part B and Part D.

Medicare Advantage plans must offer coverage that will meet and/or exceed the standards of the original Medicare program. However, they are not required to cover each benefit similarly.

Part D - Prescription Drug Plans

Medicare Part D offers various prescription drug plans designed and administered by private insurers which meet or exceed Medicare guidelines. Therefore, coverage in a Part D plan can vary greatly. Part D plans are available as “Stand Alone” plans and you should consult your agent for details before making any decisions.

Contact Golden State Health Insurance

To find help deciding on which Medicare parts are best for you, contact our Medicare specialist today for a free, no obligation conversation about your Medicare options. Call NOW 888-414-1879

The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information, contact the plan. Limitations, copayments and restrictions may apply.
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Treat our clients as family. Give them facts, tell them the truth and provide sound, affordable solutions that serve their need to protect their family.

Alan Kichler, LUTCF
• Born in Cleveland, Ohio
• Attended Cleveland State & Arizona State Universities.
• Selling Insurance & Financial Services for over a decade.
• I consider what I do to be very important, and I treat it and my clients with the respect they deserve.
• Maintain highest ethical standards and ALWAYS do what is best for my clients.
• Avid golfer since I was 13 and love the game.
• Proud “parent” of 2 Shih-Tzus (puppy dogs), Harry & Cuddles, and love all animals.

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