SBHIS

Turning 65 or newly eligible?

How Might Changes To Medicare Affect You?

Now more than ever, you need to understand the benefits you may be entitled to, prepare and protect yourself

Learn About Your Medicare Options Today!

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**Privacy is our policy. We will never spam or sell your personal information. Calls are for marketing puropses. You may change permission preferences at any time.

SBHIS Insurance Services, is a licensed and certified representative of Medicare Advantage [HMO, PPO and PPFS] organizations [and stand-alone prescription drug plans] with a Medicare contract. Enrollment in any plan depends on contract renewal

Mission

Mission Statement

"TO CARE, SIMPLIFY, EDUCATE AND PROVIDE OPTIONS FOR MEDICARE BENEFICIARIES"

Get in Touch
  • Understand

    Understand

    Understand

    We Help Beneficiaries understand the various parts of Medicare: Part A, B, C, and Part D.

  • Learn

    Learn

    Learn

    We Help Beneficiaries learn the differences between an HMO, PPO, and Supplements.

  • Save

    Save

    Save

    We Help Beneficiaries save by seeing if they qualify for Low Income Subsidy (LIS).

Who We Are

Who is SBHIS Insurance Services?

Insurance

SBHIS Insurance Services Insurance Services, Inc also known as SBHIS Insurance Services, is an insurance agency that specializes in helping people with Medicare or Medi-Cal or both; find the plan that best suit their needs.

Medicare

SBHIS Insurance Services is specialized in Medicare because we ONLY offer Medicare Part D, Medicare Advantage, and Medicare Supplement plans. Our clients have or will soon be eligible for Medicare.

Coverage

At SBHIS Insurance Services we believe that having the right plan for each individual’s needs to go along with Medicare may be one of the most important decisions a Medicare eligible individual has to make.

Beneficiary

SBHIS Insurance Services believes every Medicare beneficiary should be educated on their coverage options in order to help them make informed decisions.

Agents

SBHIS Insurance Services licensed sales agents are highly trained professionals dedicated to helping Medicare beneficiaries. Having the heart to serve and educate our members is at the forefront of our mission.

Honor

At SBHIS Insurance Services we are honored to be entrusted with assisting and guiding members through such important decisions. We always look forward to helping members find coverage that makes sense that best suit their needs.

20+ California Locations
100,000+ Active Members
1,000+ Current Agents
50+ Awards Winnings

Medicare 101

We know Medicare!

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD). Although Medicare has a lot of moving parts Medicare Parts A and B are the foundation of Medicare...

Medicare Part A (Hospital Insurance)

Part A includes basic functions of insurance such as inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Keep in mind Part A may require a monthly premium for those who haven’t paid into social security for at least 10 years.

Medicare Part B (Medical Insurance)

Part B helps to cover medically necessary doctor’s expenses, outpatient care, and preventative services like seasonal flu shots and other vaccines. Part B does come with a monthly premium that can be deducted from a social security check every month.

Am I eligible for Medicare?

Before you can enroll into a Medicare Advantage plan you must first make sure you’re eligible for Medicare.

Are you a U.S. citizen or are lawfully present in the United States?

Most people are automatically eligible if they are 65 years or older and either themselves or a spouse has worked for the past 10 years while paying into social security. You may also be eligible if you’re already getting benefits from social security or the Railroad Retirement Board. People are also eligible under 65 if they have ESRD or other certain disabilities.

When Can I enroll in Medicare?

Initial Enrollment period. If you are turning 65 you have a 7 month period to enroll in Part A and/or Part B. Your Initial Enrollment Period will begin 3 months before the month of your 65th birthday, the month of your birthday, and 3 months after your 65th birthday.

Open Enrollment Period (OEP)

Every year from October 15th- December 7th you can renew, review, and enroll into a plan of your choosing.

Special Enrollment Period (SEP)

A special enrollment period is a period outside of the usual enrollment periods in which you can get coverage due to qualifying life events. A person that may qualify for special enrollment Period could fall under these circumstances; if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.

For more information about Medicare, please go to the website at *www.medicare.gov or call Medicare at 1-800-Medicare (TTY users call 1-877-486-2048) 24 hours a day/7 days a week.

* Disclaimer: When clicked you'll be leaving SBHIS.net website and are going to a website that is not operated by SBHIS.net. We are not responsible for the content or availability of linked sites.
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Medicare Part C (Medicare Advantage Plans)...

Medicare Advantage plans are health plans offered by private insurance companies that contract with the government to provide Medicare Parts A and B, as well as may include extra benefits. Medicare Advantage plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service plans, Special Needs Plans, and Medicare Medical Savings Account plans. If you’re enrolled in a Medicare Advantage plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Many Medicare Advantage plans also offer prescription drug coverage.

  • Health Maintenance Organization (HMO)

    In most HMOs, you must choose a Primary Care Physician (PCP) and use in-network providers. In this type of plan you are traditionally required to obtain an authorization prior to receiving specialty services.

  • Preferred Provider Organization (PPO)

    In a PPO you have the option of accessing services both in-network and out-of-network. However, the cost shared by the beneficiary and the provider may be higher for out-of-network providers.

  • Special Need Plans (SNP)

    These types of plans are designed to service groups and for people with Medicare that meet specific qualifications:

    • Chronic Special Need plans (C-SNP)
    • Dual Special Need plans (D-SNP)
    • Institutional Special Need plans (I-SNP)
  • When Can I Enroll?

    Initial Enrollment period
    If you are turning 65 you have a 7 month period to enroll in a Medicare Advantage plan. Your Initial Enrollment Period will begin 3 months before the month of your 65th birthday, and 3 months after your 65th birthday.

  • Open Enrollment Period for Medicare Advantage and Medicare Prescription Drug Coverage (AEP)

    Every year from October 15th – December 7th you can renew, review, and enroll into a Stand Alone PDP or a MAPD that includes a PDP.

    For more information about Medicare, please go to the website at *www.medicare.gov or call Medicare at 1-800-Medicare (TTY users call 1-877-486-2048) 24 hours a day/7 days a week.

    * Disclaimer: When clicked you'll be leaving SBHIS.net website and are going to a website that is not operated by SBHIS.net. We are not responsible for the content or availability of linked sites.
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Medicare Part D (prescription drug coverage)...

Part D is an optional prescription drug plan that can be added to original Medicare (Parts A & B) and provides prescription drug coverage. Part D can be purchased in addition to regular Parts A and B, some Medicare Cost plans, some Medicare Private-Fee-for-Service plans, and Medicare Medical Savings Account plans. These plans are offered by insurance companies and other private companies approved by Medicare. Prescription drug coverage may also be included in some Medicare Advantage plans and follow same rules Medicare Prescription Drug plans.

  • Am I eligible for Medicare Part D?

    In order to qualify for a Medicare Part D you must meet the following criteria:

    • You must have Medicare Part A (Hospital) & Medicare Part B (Medical)
    • You must live in a service area covered by the Medicare Advantage plan
    • In most cases you cannot have End Stage Renal Disease (ESRD)
  • When Can I Enroll?

    Initial Enrollment period
    If you have Medicare Part A or Part B (or Both), you can get Part D coverage. Your Initial Enrollment Period will begin 3 months before the month of your 65th birthday, and 3 months after your 65th birthday.

  • Open Enrollment Period for Medicare Advantage and Medicare Prescription Drug Coverage (AEP)

    If you’re enrolling in Medicare Part D for the first time, normally you would do so during Initial Enrollment Period (IEP), Fall Open Enrollment Period (OEP) or Special Enrollment Period (SEP) if you qualify.

  • For more information about Medicare, please go to the website at *www.medicare.gov or call Medicare at 1-800-Medicare (TTY users call 1-877-486-2048) 24 hours a day/7 days a week.

    * Disclaimer: When clicked you'll be leaving SBHIS.net website and are going to a website that is not operated by SBHIS.net. We are not responsible for the content or availability of linked sites.
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Medicare supplement plans, also known as Medigap, is designed to fill in the coverage gaps of Medicare Parts A and B. Most of them will help pay Medicare Co-Insurance and deductibles.

  • Some things you should know about Medigap

    • You must have Medicare Part A and Part B.
    • If you have a Medicare Advantage plan, you can apply for a Medicare Supplement policy, but make sure you can leave the Medicare Advantage plan before your Medicare Supplement policy begins. The insurer can only sell you a Medicare Supplement plan if you are returning to Medicare Parts A and B.
    • You pay the private insurance company a monthly premium for the policy in addition to the monthly Part B premium that you pay to Medicare.
    • You can buy a policy from any insurance company that's licensed in your state to sell one.
    • Medicare Supplement policies are guaranteed renewable as long as you pay the premium and are truthful on your application.
  • When Can I buy a Medicare Supplement plan?

    Open Enrollment period
    The best time to buy a Medicare Supplement plan is during your Open Enrollment Period. This period lasts six months and begins the first day of the month in which you are 65 or older and enrolled in Medicare Part B. So if you turn 65 on April 3 but don’t join Medicare B until May 25, your Medigap Open Enrollment Period will start on June 1, which is the first day of the month in which you are both 65 and enrolled in Part B. Some states have additional Open Enrollment Periods including those for people under 65.

  • For more information about Medigap, please go to the website at *www.medicare.gov or call Medicare at 1-800-Medicare (TTY users call 1-877-486-2048) 24 hours a day/7 days a week.

    * Disclaimer: When clicked you'll be leaving SBHIS.net website and are going to a website that is not operated by SBHIS.net. We are not responsible for the content or availability of linked sites.
Read More...

Still confused about choosing the right plan?

Having the right plan, making the right choice and confirming that it remains the one that makes the most sense for you, year after year, is our specialty.

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1-888-816-9881 | TTY: 711 (M-F: 8AM - 6PM)

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or Call 1-888-816-9881 | TTY: 711 (M-F: 8AM - 6PM)

SBHIS Insurance Services represent various Medicare Advantage Plans (MA), Medicare Supplement (Medigap), and Prescription Drug Plans (PDPs) with Medicare contracts. Calling this number will connect you to a licensed sales agent: 1-888-816-9881 | TTY: 711 (M-F: 8AM - 6PM).

**Privacy is our policy. We will never spam or sell your personal information. Calls are for marketing puropses. You may change permission preferences at any time.

SBHIS Insurance Services, is a licensed and certified representative of Medicare Advantage [HMO, PPO and PPFS] organizations [and stand-alone prescription drug plans] with a Medicare contract. Enrollment in any plan depends on contract renewal

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