Medicare only covers 80% of the medical costs, so a supplement is needed to pay the remaining balance. Medicare Supplements pay the balance of deductibles, co-insurance and co-pays. Medicare Supplement plans are all standardized. Different plans offer varying levels of coverage. With multiple carriers available to us, we will check to make sure your physicians are in their network.
It is important to note that Medicare does NOT cover long term care, vision or dental. Santa Cruz Health and Life does offer policies to cover these exposures as well.
We represent Anthem Blue Cross and Blue Shield, among others.