The David Fluker Health Insurance Agency
Gilroy, California
California License # 0B58920
Toll-Free 1-800-509-0659
Local 408-847-6139
Fax 408-762-4450
Gilroy, California
California License # 0B58920
Toll-Free 1-800-509-0659
Local 408-847-6139
Fax 408-762-4450
Authorized Independent Agent
Individuals & Families
Seniors 65+
Small Businesses
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Seniors 65+
Small Businesses
Send An E-mail
Provider Search
Forms & Applications
Request Quotes
About Us
Home Page
Contact Information
Hot Topics
Site Map
Client Testimonials
Click On The Images Below To Visit My Broker Sites
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Get Quotes
Compare Plans
Apply Online
Blue Cross of California
Blue Shield of California
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Kaiser Permanente of California
Kaiser does not have a broker portal at this time. If you apply online. please included my name and ID# 7403 on the application. Thanks!
David J. Fluker, Licensed Life & Health Insurance Agent-Broker. California State License # 0B58920
Authorized Independent Agent-Broker Serving California Residents Representing All Carriers.
Web Site ©1999 - 2008 by Dave Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Authorized Independent Agent-Broker Serving California Residents Representing All Carriers.
Web Site ©1999 - 2008 by Dave Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Gaps In Original Medicare Benefits
There are some expenses related to your medical care which Medicare does not cover. These are referred to as "gaps in coverage" and these costs must be paid by you, the patient.
A Medigap Insurance policy (Medicare Supplement) can help offset these costs by providing coverage for costs that fall into the Medicare Gap. That is why Medicare Supplements are referred to as MediGap plans
A Medigap Insurance policy (Medicare Supplement) can help offset these costs by providing coverage for costs that fall into the Medicare Gap. That is why Medicare Supplements are referred to as MediGap plans
| Hopital Stays $992 days 1-60 $248/day days 61-90 $496/day days 91-120 |
Yes Yes Yes |
| Skilled Nursing Coinsurance Up To $121/day days 21-100 |
Yes |
| Blood The first 3 pints |
Yes |
| Part B Deductible $131 per year |
Yes |
| Part B Covered Services 20% of Medicare-approved amount (coinsurance) for most covered services 50% coinsurance for outpatient mental health treatment Copayment for outpatient hospital services |
Yes Yes Yes |
Examples of Gaps in Medicare
Covered Services (What You Pay) In 2007:
Covered Services (What You Pay) In 2007:
A Medigap Policy May Help Pay These Costs:
