Collective:Choice is here to help you make a confident decision about your Medicare Supplement Insurance or Advantage decision.

Understand your Medicare options, clearly.

Call our licensed insurance agents for a consultation

By completing the form above, I understand that a licensed agent may call or email me to discuss Medicare insurance and/or individual health insurance plans. This is a solicitation for insurance.

How Medicare Works

Medicare is made up of several parts that you can choose from to fit your needs. Here’s an overview of how each of these parts work together.

Original Medicare

Once you turn 65 , you’re eligible for Original Medicare—Part A and Part B.

Most people get premium-free Part A  for free  which covers essential hospital services—and buy Part B to cover essential doctor services.

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You’re eligible to enroll 3 months before your 65th birthday. If you have certain disabilities, you may qualify earlier.

Which disabilities?

Part A is premium-free if you (or your spouse) have paid Medicare taxes for 10+ years.

What if I haven't?

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Part A

Hospital & inpatient

  • Hospital-related coverage

  • Emergency care

  • Skilled nursing

  • Home health services

  • Hospice

Part B

Doctors and Medical

  • Doctor’s office visits

  • Laboratory services

  • Medical equipment

  • Mental health services

  • Outpatient and ambulatory services

Additional coverage

Parts A and B only cover the essentials, and charge significant out-of-pocket  costs, so many people use additional plans to reduce these costs or to increase coverage.

One way to do this is by using either a Medicare Supplement Insurance or Advantage plan.

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3 Out-of-pocket costs = deductibles, co-pays, and co-insurance.

Prescription Drug Coverage

You can get coverage for prescription drugs in two different ways:

  • If you have a Medicare Supplement Insurance Policy, add drug coverage with Part D

  • Choose one of the many Advantage plans that include drug coverage.

Part D

You can add on Part D in these combinations of plans:

  • Part A + Part D

  • Part A + Part B + Part D

  • Part A + Part B + Supplement + Part D

  • An Advantage plan that includes Part D

Phone Consultation

Our licensed insurance agents can answer all of your Medicare questions.

We’ll help you understand:

  • Medicare enrollment and eligibility

  • Medicare costs

  • Financial assistance

  • Plus more

Medicare Supplement Insurance Enrollment Assistance

We can also help you enroll in a Medicare Supplement Insurance plan, giving you more flexibility and control over your health insurance.

Benefits of Supplement Coverage

Choose who you see

  • Doctors, hospitals, and specialists

Control your costs

  • Low or no out-of-pocket expenses

  • 10 plan types with various levels of coverage & costs

Go anywhere

  • Stay covered while you travel

Ready to speak with one of our licensed insurance agents?

Call our licensed insurance agents for a consultation

Monday - Friday: 9 am - 6 pm PST

Saturday: 9 am - 1 pm PST

By completing the form above, I understand that a licensed agent may call or email me to discuss Medicare insurance and/or individual health insurance plans. This is a solicitation for insurance.

Customer Support

(800) 650-0922

Weekday Hours 
9:00 AM - 6:00 PM PST

 

Saturday Hours 

9:00 AM - 1:00 PM PST

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Disclaimers

“Covered California,” “California Health Benefit Exchange”, and the Covered California Logo are registered trademarks or service marks of Covered California, in the United States. This website is owned and maintained by Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions Lic # 0F19743, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone number that appears throughout this site belong to Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions and cannot be used to contact Covered California.

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