{"id":69,"date":"2017-05-11T18:15:37","date_gmt":"2017-05-11T18:15:37","guid":{"rendered":"https:\/\/www.kcal.net\/english\/?page_id=69"},"modified":"2026-04-07T18:41:52","modified_gmt":"2026-04-07T18:41:52","slug":"medicare","status":"publish","type":"page","link":"https:\/\/www.kcal.net\/english\/products\/individuals-families\/medicare","title":{"rendered":"Medicare"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"69\" class=\"elementor elementor-69\" data-elementor-post-type=\"page\">\n\t\t\t\t<a class=\"elementor-element elementor-element-d4530df e-con-full elementor-hidden-mobile e-flex e-con e-parent\" data-id=\"d4530df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/www.kcal.net\/english\/kcalforum\/\" target=\"_blank\">\n\t\t\t\t<\/a>\n\t\t<div class=\"elementor-element elementor-element-bfaedca e-grid elementor-hidden-desktop elementor-hidden-tablet e-con-boxed e-con e-parent\" data-id=\"bfaedca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ccac36 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"9ccac36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"549\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2026\/04\/2026-\u7d05\u85cd\u5361\u8aaa\u660e\u6703-M-EN-1-1024x549.jpg\" class=\"attachment-large size-large wp-image-34310\" alt=\"\" srcset=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2026\/04\/2026-\u7d05\u85cd\u5361\u8aaa\u660e\u6703-M-EN-1-1024x549.jpg 1024w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2026\/04\/2026-\u7d05\u85cd\u5361\u8aaa\u660e\u6703-M-EN-1-300x161.jpg 300w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2026\/04\/2026-\u7d05\u85cd\u5361\u8aaa\u660e\u6703-M-EN-1-768x412.jpg 768w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2026\/04\/2026-\u7d05\u85cd\u5361\u8aaa\u660e\u6703-M-EN-1-1080x579.jpg 1080w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2026\/04\/2026-\u7d05\u85cd\u5361\u8aaa\u660e\u6703-M-EN-1-1280x686.jpg 1280w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2026\/04\/2026-\u7d05\u85cd\u5361\u8aaa\u660e\u6703-M-EN-1-980x525.jpg 980w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2026\/04\/2026-\u7d05\u85cd\u5361\u8aaa\u660e\u6703-M-EN-1-480x257.jpg 480w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2026\/04\/2026-\u7d05\u85cd\u5361\u8aaa\u660e\u6703-M-EN-1.jpg 1282w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b3720f elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"9b3720f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:6263630999\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click Here to Call<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e59e19f e-flex e-con-boxed e-con e-parent\" data-id=\"e59e19f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6eb4d71 e-con-full e-flex e-con e-child\" data-id=\"6eb4d71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c27f2ce elementor-widget elementor-widget-heading\" data-id=\"c27f2ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is Medicare?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a9f598 elementor-widget elementor-widget-text-editor\" data-id=\"9a9f598\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As you approach retirement, have you made plans to protect your health in this new chapter of life? The U.S. government provides a <a href=\"https:\/\/www.medicare.gov\/\" target=\"_blank\" rel=\"noopener\">dedicated health insurance program<\/a> \u2014 <strong>Medicare<\/strong> for people aged 65 and over, as well as for certain individuals with disabilities or serious illnesses. KCAL Insurance would like to remind you that each year, from <strong>October 15 to December 7<\/strong>, is the brief Medicare Annual Enrollment Period. During this time, seniors can add, cancel, or switch their current health insurance plans. Our experienced Medicare consultants at KCAL Insurance are here to provide you with the most professional advice, the best prices, and the most comprehensive coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7373ca5 elementor-widget elementor-widget-heading\" data-id=\"7373ca5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">You may be eligible to apply for Medicare if you meet the following conditions:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4e7e85 elementor-widget elementor-widget-text-editor\" data-id=\"c4e7e85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>You are a U.S. citizen or a green card holder who has lived in the U.S. for at least five years.<\/li><li>You are 65 years of age or older, or meet eligibility due to disability or certain serious illnesses.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e55f44d e-con-full e-flex e-con e-child\" data-id=\"e55f44d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11c67d8 elementor-widget elementor-widget-html\" data-id=\"11c67d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe\r\n      id=\"JotFormIFrame-251117643160044\"\r\n      title=\"Medicare Quote\"\r\n      onload=\"window.parent.scrollTo(0,0)\"\r\n      allowtransparency=\"true\"\r\n      allow=\"geolocation; microphone; camera; fullscreen; payment\"\r\n      src=\"https:\/\/form.jotform.com\/251117643160044\"\r\n      frameborder=\"0\"\r\n      style=\"min-width:100%;max-width:100%;height:539px;border:none;\"\r\n      scrolling=\"no\"\r\n    >\r\n    <\/iframe>\r\n    <script src='https:\/\/cdn.jotfor.ms\/s\/umd\/latest\/for-form-embed-handler.js'><\/script>\r\n    <script>window.jotformEmbedHandler(\"iframe[id='JotFormIFrame-251117643160044']\", \"https:\/\/form.jotform.com\/\")<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-efaf466 e-flex e-con-boxed e-con e-parent\" data-id=\"efaf466\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-98812c6 e-con-full e-flex e-con e-child\" data-id=\"98812c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70bb230 elementor-widget elementor-widget-image\" data-id=\"70bb230\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/elementor\/thumbs\/Medicare-HMO-vs-PPO-ralqj9z52jggbkejqjhfqtynmmbo2vkm90rfxcqzug.png\" title=\"Medicare HMO vs PPO\" alt=\"Medicare HMO vs PPO\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a0f81d e-con-full e-flex e-con e-child\" data-id=\"9a0f81d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e57d87b elementor-widget elementor-widget-heading\" data-id=\"e57d87b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9900ab2 elementor-widget elementor-widget-text-editor\" data-id=\"9900ab2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you become eligible for Medicare, you are automatically entitled to <strong>Part A (hospitalization)<\/strong> and <strong>Part B (outpatient services)<\/strong> benefits upon enrollment. However, Medicare only covers <strong>80% of medical expenses<\/strong>. The remaining 20% requires the help of a professional health insurance consultant, who can recommend additional benefit packages tailored to your financial situation and health needs \u2014 ensuring that high medical costs won\u2019t become a burden in your retirement years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ede020 elementor-widget elementor-widget-n-accordion\" data-id=\"6ede020\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1160\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1160\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Medicare Advantage Plan - HMO <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1160\" class=\"elementor-element elementor-element-6938395 e-con-full e-flex e-con e-child\" data-id=\"6938395\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26bc14c elementor-widget elementor-widget-text-editor\" data-id=\"26bc14c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Offered by private health insurance companies, this plan supplements the coverage not provided by original Medicare<span style=\"text-decoration: line-through\">.<\/span> It combines Part A hospital and Part B outpatient benefits, and offers extra benefits such as dental, vision, and hearing coverage, as well as prescription drug coverage. For HMO plans, members must choose a primary care physician and receive medical services within a designated provider network. The plan also includes prescription drug benefits. A referral from a primary care physician is required to see specialists.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1161\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1161\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Medicare Advantage Plan - PPO <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1161\" class=\"elementor-element elementor-element-df3747b e-con-full e-flex e-con e-child\" data-id=\"df3747b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b860833 elementor-widget elementor-widget-text-editor\" data-id=\"b860833\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Also offered by private health insurance companies, this plan supplements original Medicare\u00a0coverage. It combines Part A hospital and Part B outpatient benefits, with additional benefits like dental, vision, hearing, and prescription drug coverage. PPO plan members are not required to choose a primary care physician or stay within a provider network. They can visit both in-network and out-of-network doctors and hospitals without a referral.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1162\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1162\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Medicare Supplement (Medigap) Plan <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1162\" class=\"elementor-element elementor-element-17fcbf4 e-con-full e-flex e-con e-child\" data-id=\"17fcbf4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbe9ecd elementor-widget elementor-widget-text-editor\" data-id=\"fbe9ecd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Private health insurance companies offer these plans to fill in the gaps left by original Medicare coverage. There are no network restrictions, and usage is not limited by county or state.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1163\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1163\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Prescription Drug Plan (Part D) <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1163\" class=\"elementor-element elementor-element-2d74ff6 e-flex e-con-boxed e-con e-child\" data-id=\"2d74ff6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b389f5f elementor-widget elementor-widget-text-editor\" data-id=\"b389f5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Private health insurance companies offer plans that help cover the cost of prescription drugs. Different plans provide various levels of drug coverage and co-payment rules, depending on the drug tier and plan design.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Medicare Advantage Plan - HMO\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Offered by private health insurance companies, this plan supplements the coverage not provided by original Medicare. It combines Part A hospital and Part B outpatient benefits, and offers extra benefits such as dental, vision, and hearing coverage, as well as prescription drug coverage. For HMO plans, members must choose a primary care physician and receive medical services within a designated provider network. The plan also includes prescription drug benefits. A referral from a primary care physician is required to see specialists.\"}},{\"@type\":\"Question\",\"name\":\"Medicare Advantage Plan - PPO\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Also offered by private health insurance companies, this plan supplements original Medicare\\u00a0coverage. It combines Part A hospital and Part B outpatient benefits, with additional benefits like dental, vision, hearing, and prescription drug coverage. PPO plan members are not required to choose a primary care physician or stay within a provider network. They can visit both in-network and out-of-network doctors and hospitals without a referral.\"}},{\"@type\":\"Question\",\"name\":\"Medicare Supplement (Medigap) Plan\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Private health insurance companies offer these plans to fill in the gaps left by original Medicare coverage. There are no network restrictions, and usage is not limited by county or state.\"}},{\"@type\":\"Question\",\"name\":\"Prescription Drug Plan (Part D)\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Private health insurance companies offer plans that help cover the cost of prescription drugs. Different plans provide various levels of drug coverage and co-payment rules, depending on the drug tier and plan design.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a92d63 e-flex e-con-boxed e-con e-parent\" data-id=\"0a92d63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3d737f elementor-widget elementor-widget-heading\" data-id=\"a3d737f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Call the Medicare Hotline: (626) 363-0999<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21a2de8 e-flex e-con-boxed e-con e-parent\" data-id=\"21a2de8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e26562e elementor-widget elementor-widget-heading\" data-id=\"e26562e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When can I apply for Medicare?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92e59c5 elementor-widget elementor-widget-text-editor\" data-id=\"92e59c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Initial Enrollment Period: <\/strong>When you turn 65 or become eligible for Medicare due to other reasons, you can use your initial enrollment period. Your initial enrollment period starts three months before your 65th birthday month, includes your birthday month, and ends three months after your birthday month (a total of seven months).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50b8700 elementor-widget elementor-widget-image\" data-id=\"50b8700\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"131\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2025\/08\/Medicare-Enrollment-Timeline.png\" class=\"attachment-large size-large wp-image-32387\" alt=\"Medicare Enrollment Timeline\" srcset=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2025\/08\/Medicare-Enrollment-Timeline.png 800w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2025\/08\/Medicare-Enrollment-Timeline-480x79.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 800px, 100vw\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff06e84 elementor-widget elementor-widget-text-editor\" data-id=\"ff06e84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Annual Enrollment Period: <\/strong>From October 15 to December 7 each year, you can add, cancel, or switch Medicare plans.<\/p><p><strong>Special Enrollment Period: <\/strong>In certain special situations, you may qualify for a special enrollment period. For example, if you retire and lose employer coverage, are diagnosed with certain qualifying disabilities or chronic illnesses, receive assistance from the state government, or move out of your plan\u2019s service area.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b4647b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b4647b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fe8c409\" data-id=\"fe8c409\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08b5333 elementor-widget elementor-widget-heading\" data-id=\"08b5333\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Changes Are Coming to Medicare in 2026?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d8fb75 elementor-widget elementor-widget-text-editor\" data-id=\"5d8fb75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Starting in 2026, Medicare will undergo three major changes, affecting seniors\u2019 premiums and benefits:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3588e0c e-flex e-con-boxed e-con e-parent\" data-id=\"3588e0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52c8287 elementor-widget elementor-widget-heading\" data-id=\"52c8287\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Change 1: Part B Premiums May Exceed $200<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83707bc elementor-widget elementor-widget-text-editor\" data-id=\"83707bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAccording to multiple mainstream media and policy analysts, the standard Medicare Part B monthly premium could rise from $185 in 2025 to approximately $206.50 in 2026\u2014a jump of over 11.6%. This significant increase will place a heavier financial burden on seniors, making it crucial to plan ahead.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78ec2f5 e-flex e-con-boxed e-con e-parent\" data-id=\"78ec2f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9af46ac elementor-widget elementor-widget-heading\" data-id=\"9af46ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Change 2: Insurance Market Reshuffling and Benefit Reductions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8577c0c elementor-widget elementor-widget-text-editor\" data-id=\"8577c0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSome insurance companies may withdraw certain plans from specific regions or reduce benefits such as dental coverage, transportation assistance, or OTC allowances. Seniors should carefully review whether their current plan will still meet their healthcare needs in 2026.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b38512 e-flex e-con-boxed e-con e-parent\" data-id=\"8b38512\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60d924d elementor-widget elementor-widget-heading\" data-id=\"60d924d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Change 3: Medi-Cal Asset Review May Return<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48e7254 elementor-widget elementor-widget-text-editor\" data-id=\"48e7254\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Currently, Medi-Cal program determines eligibility based on income alone, without considering assets. However, in 2026, the state may reinstate asset review. In other words, the \u201cno asset check\u201d period may come to an end. If Medi-Cal eligibility is affected, your current Medicare plan may also need to be reassessed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-8335ea2 e-flex e-con-boxed e-con e-parent\" data-id=\"8335ea2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c85d1f elementor-widget elementor-widget-spacer\" data-id=\"4c85d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf16b1d elementor-widget elementor-widget-heading\" data-id=\"bf16b1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We\u2019ve Selected the Top Insurance Carriers for You<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c97e41 elementor-widget elementor-widget-image\" data-id=\"3c97e41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"174\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2025\/08\/Screenshot-2025-08-21-at-3.18.04-PM-1024x174.png\" class=\"attachment-large size-large wp-image-32312\" alt=\"KCAL Insurance offers Medicare plans from leading California health insurance companies: Aetna, Alignment, Anthem Blue Cross, Astiva, Blue Shield, Central Health, Clever Care, Cigna, Health Net, Humana, L.A. Care, Molina, Providence, SCAN, UCLA, UnitedHealthcare, and WellCare.\" srcset=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2025\/08\/Screenshot-2025-08-21-at-3.18.04-PM-980x167.png 980w, https:\/\/www.kcal.net\/english\/wp-content\/uploads\/sites\/3\/2025\/08\/Screenshot-2025-08-21-at-3.18.04-PM-480x82.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-436e4eb elementor-widget elementor-widget-text-editor\" data-id=\"436e4eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDisclaimer: Other Provider groups are available in the network. \nWe do not offer every plan available in your area. Currently we represent 17 organizations which offer 100+ products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Are you over 65 or retiring? At KCAL, certified Medicare advisors can help you choose the plans that meet your health condition and budget.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":59,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[],"tags":[93],"class_list":["post-69","page","type-page","status-publish","hentry","tag-medicare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Turning 65 or Over 65? Certified Medicare Advisors Can Help You Enroll | KCAL Insurance Agency<\/title>\n<meta name=\"description\" content=\"Are you over 65 or retiring? At KCAL, certified Medicare advisors can help you choose the plans that meet your health condition and budget.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.kcal.net\/english\/products\/individuals-families\/medicare\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medicare\" \/>\n<meta property=\"og:description\" content=\"Are you over 65 or retiring? 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