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Ease the Burden of Paying Medical-Related Bills


J&B Insurance Specialists offers Medicare insurance to clients in California and Maryland. Medicare is a federal health insurance program that pays for a variety of health care expenses. It’s administered by the Centers for Medicare & Medicaid Services (CMS), a division of the U.S. Department of Health & Human Services (HHS). Typically, Medicare beneficiaries are seniors aged 65 and up. Other individuals who may be eligible for Medicare benefits include adults with certain approved medical conditions (such as Lou Gehrig’s disease)
 or qualifying permanent disabilities.

You earn Medicare by working and paying their taxes for a minimum required period. Even if you didn’t work long enough to be entitled to Medicare benefits, you may still be eligible to enroll, but you might have to pay more.

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J&B Insurance Specialists is in no way affiliated with any government agency, Medicare, Social Security office. We are  Insurance agents that

specialize in Insurance strategies.  

Medicare Part A

Medicare Part A is hospital insurance that covers inpatient hospital care, limited time in a skilled nursing care facility, limited home health care services, and hospice care.

Most beneficiaries do not have to pay a monthly premium to be covered under this part of original Medicare; this is called “premium-free Part A.” Generally, if you have paid Medicare taxes while you worked for at least 10 years or 40 quarters, you’re eligible for premium-free Part A. Otherwise, a monthly
premium must be paid.

Typically, Medicare Part A doesn’t cover the full amount of your hospital bill. You will have to shoulder some costs and also have to pay a deductible before you get covered by Medicare. Medicare will then pay 100% of your costs for up to 60 days in a hospital or up to 20 days in a skilled nursing facility.

After that, a flat amount up to the maximum number of covered days must be paid. Medicare Part A cover some of the costs for a total of 90 days in a hospital, and 100 days in a skilled nursing facility. An extended stay in the hospital that’s more than 90 consecutive days will also be covered with 60 lifetime reserve days.

Medicare Part B

Medicare Part B is medical insurance. Its coverage includes non-hospital medical expenses such as doctors’ office visits, blood tests, X-rays, diabetic screening and supplies, and outpatient hospital care. A monthly premium must be paid for this part of Original Medicare.

Those with higher incomes may have to pay higher fees. For low-income beneficiaries, Medicaid can help cover their
Medicare Part B premiums.

Medicare Part B beneficiaries have to shoulder some of their health care costs. A deductible must be paid each year before your Medicare Part B can provide coverage. You’ll generally pay 20% of the bill when you go to an accredited Medicare doctor. Many lab tests and services requested by your physician are paid by Medicare. 

Medicare Part C

Medicare Part C or Medicare Advantage is often inclusive of all types of Medicare coverage. Private insurance companies contracted through CMS offer Medicare Part C as an alternative to Original Medicare.

Obtaining a Medicare Advantage Plan requires enrollment to Original Medicare, Part A, and Part B. You also may have to continue to pay your Part B premium if you have a Medicare Advantage plan.

While Medicare Advantage plans are required to provide all Medicare Part A and Medicare Part B benefits (except hospice care), plans can also include different additional benefits, which vary among the individual private health insurers. A number of Medicare Advantage plans include prescription drug coverage called Medicare Advantage Prescription Drug plans.

Some plans might have a lower deductible, while also allowing you to pay a smaller share of the remaining costs. Medicare Advantage plans may even cover certain health care services that Original Medicare, Part A and Part B, does not cover, like eye exams, hearing aids, dental care, or health care provided while traveling outside the United States.

Medicare Part D

Medicare Part D is called optional prescription drug coverage. Private insurance companies offer Medicare Part D as a standalone prescription drug plan. You will have to shoulder a portion of the costs of your prescription drugs, depending on the specific plan you’re enrolled in.

Those costs can include a deductible, a flat copayment amount, or a percentage of the full drug cost (called “coinsurance”).

If you want prescription drug coverage, you can get it through a Medicare Advantage Prescription Drug plan if there’s one in your area that offers this coverage.

If your income cannot afford medications even though you are covered by Medicare Part D benefits, you may qualify for the Extra Help program. This offers financial aid for your monthly premium, deductible, copayment, or coinsurance.

Request a Quote

International Travel Insurance

submit your Prescription list

J&B Insurance Specialists is in no way affiliated with any government agency, Medicare, Social Security office. We are  Insurance agents that

specialize in Insurance strategies.  

Bonnie guided me through the setup my IRA accounts and my supplemental medicare accounts for my retirement. The options and rules were overwhelming for my wife and I, but Bonnie's knowledge and attention to detail were invaluable.

I highly recommend Bonnie for any of your retirement needs. She is incredibly helpful, thoughtful, and always responsive by phone.

Thank you for everything Bonnie

Larry Nelson


Bonnie was a great help in guiding me through the confusing areas of medicare. After many years of simple employer-offered private insurance, having to wade through all the medicare options was difficult. Bonnie was knowledgable, patient and always available. She was a great help and I recommend her service.

John Bosley


Bonnie helped me navigate through all the medicare options, 5 years ago. She made everything seem very easy. She has also helped me change insurance when the rates have gone up. She knows her stuff and I have faith that she leads folks in the right direction.


Marilyn R.