Medicare – What Is It?

Medicare is a health insurance program regulated by the federal government that is made up of two parts, Part A and Part B.  Along with Medicare Parts A and B, most people obtain a Medicare Supplement to fill the gaps not covered by Medicare.  We can help you that.

Part A.

Most people qualify for Medicare Part A when they turn age 65. Part A covers hospitalization and limited skilled nursing care.


Part B.

For Part B, you need to sign up for it through your local Social Security office or on Medicare.Gov.  Part B  covers charges for physicians, surgeons, and other health services. Part B does not cover eye and hearing exams, foot care, immunizations, or physical exams.




Services Not Covered by Medicare

  • Custodial care, such as help walking, getting in and out of bed, dressing, bathing, toileting, shopping, eating, and taking medicine (these are commonly referred to as activities of daily living)
  • More than 100 days of skilled nursing facility care during a benefit period following a hospital stay (the Medicare Part A benefit period begins the first day you receive a Medicare-covered service and ends when you have been out of the hospital or a skilled nursing facility for 60 consecutive days)
  • Private duty nursing care
  • Homemaker services
  • Most dental care and dentures
  • Health care received while traveling outside the United States, except under limited circumstances
  • Cosmetic surgery and routine foot care
  • Routine eye care, eyeglasses (except after cataract surgery), and hearing aids.
Here at Santa Barbara Health Insurance Services we know that no web site can substitute for courteous service from an experienced professional. Our staff is always happy to help with your California health insurance, California dental insurance, or term life insurance needs. Feel free to call us any time at (800) 765-1540.