
{"id":518,"date":"2022-04-28T23:19:08","date_gmt":"2022-04-28T23:19:08","guid":{"rendered":"https:\/\/lodelinsurance.com\/?page_id=518"},"modified":"2023-09-22T17:05:49","modified_gmt":"2023-09-22T17:05:49","slug":"health-insurance-for-seniors","status":"publish","type":"page","link":"https:\/\/tezanainsurance.com\/en\/health-insurance-for-seniors\/","title":{"rendered":"Health Insurance for Seniors"},"content":{"rendered":"<div class=\"gradient-wrapper\">\n    <div class=\"page_hero_cta\">\n        \n\n        <div class=\"page_hero_cta_inner gssauto gcw\">\n            \n            <div class=\"page_hero_cta-image\">\n                <div class=\"page_hero_cta-content-mobile smb0\">\n                    <h2 class=\"page_hero_cta__headline-mobile\">Health Insurance for Seniors<\/h2>                    <p class=\"lead page_hero_cta__headline-mobile\">Your healthcare needs are changing. Do you know what your options are? <\/p> \n                <\/div><!-- page_hero_cta-content-mobile -->\n\n                <img decoding=\"async\" class=\"page_hero_cta_img_mobile\" src=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/06\/tezana-page-hero-medicare-mobile.png\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/06\/tezana-page-hero-medicare-mobile.png 700w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/06\/tezana-page-hero-medicare-mobile-233x300.png 233w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"  alt=\"text\" \/>       \n                \n            <\/div>\n\n\n            <div class=\"page_hero_cta-content flex-vert\">\n                <div class=\"page_hero_cta-content-wrapper\">  \n                    <h2 class=\"page_hero_cta__headline-desktop\">Health Insurance for Seniors<\/h2> \n                    <p class=\"lead page_hero_cta__headline-desktop\">Your healthcare needs are changing. Do you know what your options are? <\/p>     \n                    \n                <\/div> \n                <i class=\"fak fa-ticon-diamonds-up\"><\/i>\n            <\/div>\n\n        <\/div><!-- page_hero_cta_inner -->\n\n    <img decoding=\"async\" class=\"page_hero_cta_img_desktop\" src=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/06\/tezana-page-hero-medicare-desktop.png\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/06\/tezana-page-hero-medicare-desktop.png 1300w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/06\/tezana-page-hero-medicare-desktop-300x205.png 300w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/06\/tezana-page-hero-medicare-desktop-1024x701.png 1024w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/06\/tezana-page-hero-medicare-desktop-768x526.png 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\"  alt=\"text\" \/>        \n\n\n    <\/div><!-- page_hero_cta -->\n<\/div><!-- gradient-wrapper -->\n\n<div class=\"content_wit_cta_card spb testimonial\">\n    <div class=\"gcw content_wit_cta_card-grid\">\n\n        <div class=\"content_wit_cta_card-content\">\n            \n\n<h2 class=\"wp-block-heading\">What Health Insurance options do senior citizens have?<\/h2>\n\n\n\n<div class=\"wp-block-columns grid-gap is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full brnd-child\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"540\" src=\"https:\/\/lodelinsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Healthcare-Seniors.jpg\" alt=\"Options for Health Insurance\" class=\"wp-image-879\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Healthcare-Seniors.jpg 800w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Healthcare-Seniors-300x203.jpg 300w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Healthcare-Seniors-768x518.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>As you approach retirement, you face many decisions when it comes to your healthcare. Your health needs\u2014and your spouse\u2019s\u2014may also be changing. In addition, you may need to transition from your employer-sponsored insurance to Medicare and supplemental insurance.<\/p>\n\n\n\n<p>Tezana Insurance wants to help you successfully navigate this transitional part of your life. Let\u2019s take a closer look at Medicare and what your<br>options are.&nbsp;<\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What is Medicare?<\/h2>\n\n\n\n<div class=\"wp-block-columns grid-gap is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column gsc--order-1 is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full brnd-child\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"540\" src=\"https:\/\/lodelinsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Essential-Health-Benefits.jpg\" alt=\"Medicare for Seniors Insurance\" class=\"wp-image-872\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Essential-Health-Benefits.jpg 800w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Essential-Health-Benefits-300x203.jpg 300w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Essential-Health-Benefits-768x518.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Medicare is a government insurance program offered to people 65 years or older to younger people with specific diseases or disabilities. Seniors are eligible to enroll in Medicare up to three months before turning 65, but there are some things you should know about the enrollment process.&nbsp;<\/p>\n<\/div>\n<\/div>\n\n\n        <\/div><!-- .content_wit_cta_card-content -->  \n\n        <div id=\"page-quote\" class=\"content_wit_cta_card-sidebar sticky_child\">\n            \n    <div class=\"contact_cta_card\">\n    \n        <h3>Get a free quote<\/h3>\n        \n        \n        \n                    <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof 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aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_5_6\" class=\"gfield gfield--type-textarea gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_6'>What can we help you with?<\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_6' id='input_5_6' class='textarea small'      aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><div id=\"field_5_7\" class=\"gfield gfield--type-captcha gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_7'>CAPTCHA<\/label><div id='input_5_7' class='ginput_container ginput_recaptcha' data-sitekey='6Le7bNshAAAAAKI-Ly64JxMkMcH9AvEaaNpGYq9c'  data-theme='light' data-tabindex='-1' data-size='invisible' data-badge='bottomright'><\/div><\/div><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> \n            <fieldset id=\"field_2_10\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield--width-full legal-checkbox field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible spb-formfield\">\n                <legend class=\"gfield_label gform-field-label gfield_label_before_complex\">Non-Marketing (Informational)<\/legend>\n                <div class=\"ginput_container ginput_container_checkbox\">\n                    <div class=\"gfield_checkbox \" id=\"input_2_10\">\n                        <div class=\"gchoice gchoice_2_10_1\">\n\n                            <input class=\"gfield-choice-input\" name=\"input_10.1\" type=\"checkbox\" value=\"I consent to receive text messages about insurance quotes, policy updates, and customer support from Tezana Insurance Services at the phone number I provided. I acknowledge that my consent is not a condition of purchase. Msg &#038; data rates may apply. Msg frequency varies. Reply HELP for assistance or STOP to opt out. Privacy Policy &#038; Terms.\" id=\"choice_2_10_1\" data-uw-rm-form=\"nfx\">\n                            \n                            <label for=\"choice_2_10_1\" id=\"label_2_10_1\" class=\"gform-field-label gform-field-label--type-inline\">\n                                I consent to receive text messages about insurance quotes, policy updates, and customer support from Tezana Insurance Services at the phone number I provided. I acknowledge that my consent is not a condition of purchase. Msg &#038; data rates may apply. Msg frequency varies. Reply HELP for assistance or STOP to opt out. <a href=\"https:\/\/tezanainsurance.com\/en\/privacy-policy\/\">Privacy Policy<\/a> &#038; <a href=\"https:\/\/tezanainsurance.com\/en\/terms-and-conditions\/\">Terms.<\/a>\n                            <\/label>\n\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/fieldset>\n\n            <fieldset id=\"field_2_11\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield--width-full legal-checkbox field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible spb-formfield\">\n                <legend class=\"gfield_label gform-field-label gfield_label_before_complex\">Marketing<\/legend> \n                <div class=\"ginput_container ginput_container_checkbox\">\n                    <div class=\"gfield_checkbox \" id=\"input_2_11\">\n                        <div class=\"gchoice gchoice_2_11_1\">\n\n                            <input class=\"gfield-choice-input\" name=\"input_11.1\" type=\"checkbox\" value=\"I consent to receive marketing text messages, such as promotions or special offers, from Tezana Insurance Services at the phone number I provided, including messages sent via auto dialer. I understand that my consent is not a condition of purchase. Msg &#038; data rates may apply. Msg frequency varies. Reply HELP for assistance or STOP to opt out. Privacy Policy &#038; Terms\" id=\"choice_2_11_1\" data-uw-rm-form=\"nfx\" data-gtm-form-interact-field-id=\"1\">\n                            \n                            <label for=\"choice_2_11_1\" id=\"label_2_11_1\" class=\"gform-field-label gform-field-label--type-inline\">I consent to receive marketing text messages, such as promotions or special offers, from Tezana Insurance Services at the phone number I provided, including messages sent via auto dialer. I understand that my consent is not a condition of purchase. Msg &#038; data rates may apply. Msg frequency varies. Reply HELP for assistance or STOP to opt out. <a href=\"https:\/\/tezanainsurance.com\/en\/privacy-policy\/\">Privacy Policy<\/a> &#038; <a href=\"https:\/\/tezanainsurance.com\/en\/terms-and-conditions\/\">Terms.<\/a>\n                            <\/label>\n\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/fieldset>\n\n\n                            <input type='submit' id='gform_submit_button_5' class='gform_button button gform-button--width-full' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Yes, I want my free quote!'  \/> \n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_5' value='postback' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_5' id='gform_theme_5' value='gravity-theme' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_5' id='gform_style_settings_5' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_5' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='5' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='PrNQwMULVCAtJE2+k+YFnBtiuAMJyGtsgaIjKRtLFs4ywAw7M9\/QsZMfE\/WiL6vHVquLSuQmkrmrpKkoUso7LusROexppcifg77LaP5opWI3370=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_5' value='WyJbXSIsIjM5YzNhOTY1YzIwNTlkMWJkZDJkNzk5YzM2ZGE2Mjk0Il0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_5' id='gform_target_page_number_5' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_5' id='gform_source_page_number_5' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 5, 'https:\/\/tezanainsurance.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_5').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_5');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_5').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_5').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_5').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_5').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/  }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_5').val();gformInitSpinner( 5, 'https:\/\/tezanainsurance.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [5, current_page]);window['gf_submitting_5'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_5').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [5]);window['gf_submitting_5'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_5').text());}else{jQuery('#gform_5').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"5\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_5\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_5\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_5\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 5, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n            <\/div><!-- contact_cta_card -->\n        <\/div><!-- .service-sidebar  -->\n\n    <\/div><!-- .service-grid -->\n<\/div><!-- content_wit_cta_card -->\n\n\n<div class=\"wp-block-group gcw-child sph spb\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Who is eligible for Medicare?<\/h2>\n\n\n\n<p>Most people over the age of 65 are eligible for Medicare, and many pay little to nothing out-of-pocket for certain types of care. In fact, if you or your spouse worked for a minimum of ten years and had Medicare taxes withheld from your paychecks, then you are automatically eligible for Medicare when you turn 65.&nbsp;<\/p>\n\n\n\n<p>US residents and recent immigrants who do not have this work history can still become eligible for Medicare. However, knowing how to enroll can be confusing, and many may not realize that they have options regarding their Medicare coverage. In addition, there is often some confusion about the differences between Medicare and Medi-Cal (or Medicaid in other parts of the US).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How does Medicare work?<\/h2>\n\n\n\n<p>You may have noticed that Medicare is divided into Parts. Understanding these parts is crucial to ensuring you get the healthcare coverage you need.&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group sph spv gcw-m-child has-clr-1-grad-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center has-white-color has-text-color\">Medicare Parts Explained<\/h2>\n\n\n\n<div class=\"wp-block-group gss-- grid-gapwpbg\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"nc_wrap nc_top\" >\n  <div class=\"nc_container\">\n    <div class=\"nc_number\">\n      <div class=\"nc_circle\">\n        <!-- <div class=\"two-char\"> -->\n          A        <!-- <\/div> -->\n      <\/div>\n    <\/div>\n    <div class=\"nc_description\">\n        \n\n<h3 class=\"wp-block-heading h2\">Medicare Part A<\/h3>\n\n\n\n<div class=\"wp-block-columns grid-gap-rim gss--2-1 is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns spb-rim grid-gap-rim is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full brnd-child\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"540\" src=\"https:\/\/lodelinsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartA.jpg\" alt=\"Medicare Part A\" class=\"wp-image-1126\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartA.jpg 800w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartA-300x203.jpg 300w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartA-768x518.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Hospital Coverage \u2013 This insurance covers hospital expenses, hospice care, skilled nursing facility stays, rehabilitation facility stays, and also includes certain home healthcare services.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>It does not guarantee that everything will be paid long term. There are restrictions that limit the length of time these services will be covered, if at all.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Medicare Part A Includes<\/strong>:<\/p>\n\n\n\n<ul class=\"licon--check wp-block-list\">\n<li>Inpatient care in a hospital&nbsp;<\/li>\n\n\n\n<li>Skilled nursing facility care&nbsp;<\/li>\n\n\n\n<li>Nursing home care (inpatient care in a skilled nursing facility that\u2019s not custodial or long-term care)&nbsp;<\/li>\n\n\n\n<li>Hospice care&nbsp;<\/li>\n\n\n\n<li>Home health care&nbsp;<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n    <\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"nc_wrap nc_top\" >\n  <div class=\"nc_container\">\n    <div class=\"nc_number\">\n      <div class=\"nc_circle\">\n        <!-- <div class=\"two-char\"> -->\n          B        <!-- <\/div> -->\n      <\/div>\n    <\/div>\n    <div class=\"nc_description\">\n        \n\n<h3 class=\"wp-block-heading h2\">Medicare Part B<\/h3>\n\n\n\n<div class=\"wp-block-columns grid-gap-rim gss--2-1 is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns spb-rim grid-gap-rim is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full brnd-child\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"540\" src=\"https:\/\/lodelinsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartB.jpg\" alt=\"Medicare Parte B\" class=\"wp-image-1124\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartB.jpg 800w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartB-300x203.jpg 300w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartB-768x518.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Medical Coverage \u2013 Medicare covers medical services, including doctor&#8217;s visits, ambulance services, clinical research, durable medical equipment, mental health services, and limited outpatient prescription drugs.<\/p>\n\n\n\n<p>This can be broken down into two sections: Medically necessary services &amp; Preventive services.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Medicare Part B Includes<\/strong>:<\/p>\n\n\n\n<ul class=\"licon--check wp-block-list\">\n<li>Clinical research&nbsp;&nbsp;&nbsp;<\/li>\n\n\n\n<li>Ambulance services&nbsp;<\/li>\n\n\n\n<li>Durable medical equipment (DME)&nbsp;<\/li>\n\n\n\n<li>Mental health&nbsp;services<\/li>\n\n\n\n<li>Inpatient&nbsp;services<\/li>\n\n\n\n<li>Outpatient&nbsp;services<\/li>\n\n\n\n<li>Partial hospitalization&nbsp;<\/li>\n\n\n\n<li>Limited outpatient prescription drugs&nbsp;<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n    <\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"nc_wrap nc_top\" >\n  <div class=\"nc_container\">\n    <div class=\"nc_number\">\n      <div class=\"nc_circle\">\n        <!-- <div class=\"two-char\"> -->\n          C        <!-- <\/div> -->\n      <\/div>\n    <\/div>\n    <div class=\"nc_description\">\n        \n\n<h3 class=\"wp-block-heading h2\">Medicare Part C<\/h3>\n\n\n\n<div class=\"wp-block-columns grid-gap-rim gss--1-2 is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full brnd-child\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"540\" src=\"https:\/\/lodelinsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartC.jpg\" alt=\"Medicare Part C\" class=\"wp-image-1122\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartC.jpg 800w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartC-300x203.jpg 300w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/09\/Medicare_PartC-768x518.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p> Medicare Advantage \u2013 This alternative to Original Medicare (Part A and B) is offered by private insurance companies in agreement with the federal government.<\/p>\n\n\n\n<p class=\"bullet-list\">It includes the same coverage as Medicare with additional supplemental benefits at a higher monthly premium in comparison to the Original Medicare.<\/p>\n<\/div>\n<\/div>\n\n\n    <\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"nc_wrap nc_top\" >\n  <div class=\"nc_container\">\n    <div class=\"nc_number\">\n      <div class=\"nc_circle\">\n        <!-- <div class=\"two-char\"> -->\n          D        <!-- <\/div> -->\n      <\/div>\n    <\/div>\n    <div class=\"nc_description\">\n        \n\n<h3 class=\"wp-block-heading h2\">Medicare Part D:<\/h3>\n\n\n\n<div class=\"wp-block-columns grid-gap gss--2-1 is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"bullet-list\">Prescription Drug Coverage \u2013 This is a separate program that only covers prescribed drugs. Thus, it is important to select the best program for your needs. <\/p>\n\n\n\n<ul class=\"licon--dot wp-block-list\">\n<li>Tier 1\u2014lowest copayment: most generic prescription drugs<\/li>\n\n\n\n<li>Tier 2\u2014medium copayment: preferred, brand-name prescription drugs<\/li>\n\n\n\n<li>Tier 3\u2014higher copayment: non-preferred, brand-name prescription drugs<\/li>\n\n\n\n<li>Specialty Tier\u2014highest copayment: very high cost for prescription drugs<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Who qualifies for Medicare Part D?&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"licon--check wp-block-list\">\n<li>Any person age 65 or older<\/li>\n\n\n\n<li>People under the age of 65 with certain disabilities<\/li>\n\n\n\n<li>People with End-Stage Renal Disease (ESRD), which is permanent kidney failure (either required to do dialysis or a kidney transplant)&nbsp;<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p class=\"lead\"><\/p>\n\n\n    <\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group gcw-child sph spv\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">What is the difference between Medigap and Medicare Advantage?&nbsp;<\/h2>\n\n\n\n<div class=\"wp-block-columns grid-gap spb is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>For many, Medicare Parts A and B do not cover all of their healthcare needs. When this happens, seniors can choose between a Medigap policy or Medicare Advantage, <strong>also known as Part C<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Medicare Advantage offers private insurance that can include the prescription drug coverage offered in Part D, as well as vision and dental coverage. Rather than buying a plan for each healthcare need you have, you can get everything you need that Medicare does not cover, in a single plan.<\/p>\n\n\n\n<p>Medigap plans are another way to get the coverage that Medicare doesn\u2019t provide. You are able to choose between multiple plans that offer different benefits depending on your healthcare needs and budget. However, you may still need to purchase private insurance for certain types of care or pay out-of-pocket.<\/p>\n\n\n\n<p>For some seniors, Medigap plans are more cost-effective. For others, a Medicare Advantage plan makes more sense. You need an insurance partner to help you determine what works best for you. At Tezana Insurance, we are here to help. Let&#8217;s work together to find the plan and level of coverage that will protect you and your spouse in this new phase of life.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full brnd-child\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"540\" src=\"https:\/\/lodelinsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Seniors-MediGap-MediCare.jpg\" alt=\"Difference Between Medigap and Medicare\" class=\"wp-image-882\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Seniors-MediGap-MediCare.jpg 800w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Seniors-MediGap-MediCare-300x203.jpg 300w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Seniors-MediGap-MediCare-768x518.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group gcw-child sph\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">When to Enroll in Medicare<\/h2>\n\n\n\n<div class=\"wp-block-columns grid-gap spb is-layout-flex wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full brnd-child\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"540\" src=\"https:\/\/lodelinsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Seniors-Enroll.jpg\" alt=\"How to Enroll in Medicare\" class=\"wp-image-884\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Seniors-Enroll.jpg 800w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Seniors-Enroll-300x203.jpg 300w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/08\/LoDel_Seniors-Enroll-768x518.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>The Initial Enrollment Period (IEP) for Medicare starts 3 months before you turn 65 and ends 3 months after your 65th birthday. After the IEP, there is an open enrollment period every year for seniors who wish to make changes to their Medicare Coverage.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>While everyone is not obligated to enroll into every part of Medicare, late fees can accumulate as time goes on for those who do not sign up on time.\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.medicare.gov\/your-medicare-costs\/part-a-costs\/part-a-late-enrollment-penalty\">Part A Late enrollment penalty<\/a> \u2013 Some have to purchase Part A because they do not meet the requirements to qualify for premium-free Part A. If you do not enroll when you are first eligible, your monthly premiums can increase by up to 10%.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.medicare.gov\/your-medicare-costs\/part-b-costs\/part-b-late-enrollment-penalty\">Part B Late enrollment penalty<\/a> \u2013 If you did not enroll in part B when you are first eligible, your monthly premiums could increase by as much as 10% for each 12-month period. In most cases these penalties will be included for as long as you have the plan.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.medicare.gov\/drug-coverage-part-d\/costs-for-medicare-drug-coverage\/part-d-late-enrollment-penalty\">Part D Late enrollment penalty<\/a> \u2013 This late enrollment penalty that will be permanently added to your Medicare drug coverage premium for as long as you have coverage.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n\n<div class=\"wp-block-group gcw-child sph spv testimonial\">\n\n    <div class=\"wp-block-group__inner-container\">\n\n        <div class=\"wp-block-columns grid-gap-rim grid-gap\">\n\n            <div class=\"wp-block-column gsc--order-1\">\n                <figure class=\"wp-block-image size-full\">\n                    <img decoding=\"async\" width=\"735\" height=\"800\" src=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/05\/Yadira-Circle.jpg\" class=\"content_img_side_sideimage\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/05\/Yadira-Circle.jpg 735w, https:\/\/tezanainsurance.com\/wp-content\/uploads\/2022\/05\/Yadira-Circle-276x300.jpg 276w\" sizes=\"auto, (max-width: 735px) 100vw, 735px\">\n                <\/figure>\n            <\/div><!-- wp-block-column -->\n\n\n\n        <div class=\"wp-block-column flex-vert\">\n\n            <h1 class=\"has-text-align-center sph\">&#8220;We\u2019ll get you the best health insurance at the best price!&#8221;<\/h1>\n            <p class=\"has-text-align-center lead sph\">Getting you the best health coverage is our mission<\/p>\n\n            <div class=\"gssauto grid-gap-rim\">\n\n                <div class=\"wp-block-button expanded text-center\">\n                    <i class=\"fa-solid fa-envelope clr-1 fa-4x spb-rim\"><\/i>\n                    <a class=\"wp-block-button__link\" href=\"#page-quote\">Get a free quote<\/a>\n\n                <\/div><!-- wp-block-button -->\n\n                <div class=\"wp-block-button expanded text-center\">\n                    <i class=\"fa-solid fa-user-headset clr-1 fa-4x spb-rim\"><\/i>\n                    <a class=\"wp-block-button__link\" href=\"tel:310-870-7009\">Call 310-870-7009<\/a>\n                <\/div>\n                \n            <\/div><!-- wp-block-buttons -->\n\n        <\/div><!-- wp-block-column -->\n\n    <\/div><!-- wp-block-group__inner-container -->\n\n<\/div><!-- wp-block-group -->\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Who is eligible for Medicare? Most people over the age of 65 are eligible for Medicare, and many pay little to nothing out-of-pocket for certain types of care. In fact, if you or your spouse worked for a minimum of ten years and had Medicare taxes withheld from your paychecks, then you are automatically eligible <a class=\"excerpt-read-more\" href=\"https:\/\/tezanainsurance.com\/en\/health-insurance-for-seniors\/\" title=\"ReadHealth Insurance for Seniors\">Read more \u00bb<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-full_width.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-518","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Health Insurance for Seniors - Tezana Insurance Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tezanainsurance.com\/en\/health-insurance-for-seniors\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Health Insurance for Seniors\" \/>\n<meta property=\"og:description\" content=\"Who is eligible for Medicare? Most people over the age of 65 are eligible for Medicare, and many pay little to nothing out-of-pocket for certain types of care. 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