Medicare costs
Medicare Savings Programs
May help with premiums and, depending on the program, deductibles or other cost-sharing.
Through Medi-Cal in California
Ask about the current application process.
Medicare guide
Help with Medicare costs may be available.
Explore programs that may reduce premiums, cost-sharing, or prescription expenses for eligible people.
Help depends on your circumstances
Two places to start with Medicare costs
Prescription costs
Extra Help
May reduce Part D premiums, deductibles and prescription copayments.
Also called LIS
Some people qualify automatically; others need to apply.
Eligibility and application rules differ. Care-at-home, dementia support and veterans programs are separate options covered below.
Medicare Savings Programs
Medicare Savings Programs help people with qualifying income and resources pay certain Medicare costs. Different program levels have different rules and may help with premiums, deductibles, or other cost-sharing.
In California, these programs are administered through Medi-Cal. Eligibility depends on the program and your circumstances. Ask about the current application process rather than assuming you do not qualify.
Extra Help with Part D
Extra Help, also called the Low-Income Subsidy or LIS, can reduce Part D prescription drug costs for eligible people. It may help with premiums, deductibles, and prescription copayments.
Some people qualify automatically through other benefits. Others need to apply. Have your current benefit notices available and ask what steps apply to you.
Care at home and community support
Medi-Cal waiver programs may offer services for eligible older adults or people with disabilities who need support beyond ordinary medical appointments. These programs have their own eligibility and availability rules.
Medicare does not generally pay for ongoing custodial long-term care. Separate support programs and long-term care planning can matter when a family needs help with daily activities.
Dementia care and caregiver support
The GUIDE model, Guiding an Improved Dementia Experience, is a Medicare dementia-care program delivered through participating providers. It can include care coordination and caregiver support for eligible people.
Ask a treating provider about participation and suitability. It is different from a Medigap policy or a general Medicare Advantage benefit.
Veterans and survivors
Aid and Attendance is a separate VA pension-related benefit for eligible veterans and survivors. A local VA office or accredited representative can explain that process.
What to have ready
Gather current Medicare and benefit notices, information about household circumstances, and questions about the bills you are finding difficult. Use the website form only to request a conversation, not to send financial records or medical details.
Julianne can help you identify which questions to ask and how assistance may affect your Medicare insurance choices.
Talk it through
Your questions belong here.
Julianne can help you understand how this applies to your own coverage and plans.
Call JulianneNo fee for Medicare guidance. Julianne is paid directly by insurance companies.
A conversation is a good place to start
You don't have to work this out alone.
Tell Julianne what's changing in your life. Together, you can work through your coverage questions and next steps.
Contact Julianne
What would you like help with?
Send a message or request a conversation. Julianne will follow up with you directly.
(805) 441-9093
support@wecaremedicareplans.com
Monday through Friday
8:00 am to 5:00 pm
Closed Saturday and Sunday
Serving San Luis Obispo and Santa Barbara counties, from Paso Robles to Lompoc. Meetings at your home or an agreed location. Before any in-home appointment, California law requires 24 hours’ written notice, which Julianne sends you in advance.