Health Insurance San Jose

10/13/2026

Travel Insurance Tips

Heading overseas this year? Your Medicare Advantage plan may not travel with you. While MA plans must cover emergency and urgent care anywhere in the U.S., most stop at the border. Care received outside the country is generally not covered.

Even Medigap's foreign travel emergency benefit caps out at $50,000 over your lifetime, and a single medical evacuation can easily exceed that. Before you fly internationally, a standalone travel insurance policy can close the gap and protect you from six-figure medical bills abroad.

Learn more about closing your coverage gap at https://bayareahealthinsurance.com/travel-insurance.html.

10/06/2026

Medicare Advantage Highlight—Annual Wellness Visit

Did you know your Annual Wellness Visit is one of the most valuable and most overlooked benefits available to you at no cost? Here is what it covers:

✅ Covered 100% by Medicare Part B, with no deductible or copay when your provider accepts assignment.
✅ Includes a health risk assessment and a personalized prevention plan.
✅ Features a cognitive screening to help catch early signs of memory loss.
✅ Starting in 2026, adds a physical activity and nutrition assessment.
✅ Available once every 12 months; separate from a routine physical exam.

Call Bay Area Health Solutions at (408) 903-4624 to schedule yours today.

09/30/2026

Gary is very knowledgeable. I contacted him in the morning, and he made time in the afternoon to look into the insurance matter immediately. His manner and service are excellent. Thank you, Gary. - Jeremy K. Chen

https://share.google/mECznZ2zg0oDRM1Ro

★★★★★

09/23/2026

Leaving Employer Coverage After 65? Don’t Overlook Medicare Part A & B

Gary Church of Bay Area Health Solutions in San Jose, California, explains what you should consider when leaving employer coverage and why speaking with a licensed Medicare agent can help you understand your options.

Watch the video to learn what you need to know before making the transition.

09/23/2026

What challenges could Medicare face in the years ahead?

Medicare is changing, and your options can vary by location. Gary Church shares why personalized guidance matters.

Watch the video to learn more.

09/22/2026

Not sure whether Medicare Advantage or Medigap is right for you? This week's chart breaks down the essentials, side by side.

Feature

✅ Structure

Medicare Advantage: Bundles Part A, Part B, and often Part D into one plan
Medigap: Supplements Original Medicare Parts A and B

✅ Monthly Cost

Medicare Advantage: Often $0-$14/mo average, plus the Part B premium
Medigap: Separate premium (varies by age/state), plus the Part B premium

✅ Provider Network

Medicare Advantage: Uses a network of doctors and hospitals (HMO/PPO)
Medigap: See any doctor nationwide who accepts Medicare

✅ Yearly Cap on Costs

Medicare Advantage: Yes, out-of-pocket max up to $9,250 in 2026
Medigap: No cap, but very predictable copays and deductibles

✅ Extra Benefits

Medicare Advantage: Often includes dental, vision, hearing, and fitness
Medigap: Rare: focused on covering Original Medicare cost-sharing

✅ Travel Coverage

Medicare Advantage: Limited outside your plan's network or service area
Medigap: Nationwide; some plans cover emergency care abroad

Visit https://bayareahealthinsurance.com/medicare.html?utm_source=twitter to compare your options with a licensed advisor.

09/15/2026

Medicare Myth: "All Medicare Advantage plans cost the same."

Truth: Costs vary widely by plan, insurer, and county. While the average Medicare Advantage premium is about $14 a month in 2026, out-of-pocket maximums can run as high as $9,250, and provider networks, drug formularies, and extra benefits differ from plan to plan. Comparing your options before you enroll matters.

09/09/2026

Medicare Advantage or Original Medicare?

Your kids have an opinion. Your friends have an opinion. But your Medicare choice should be based on YOU.

Gary Church of Bay Area Health Solutions explains what to consider before making your decision, whether it's costs or access to care.

Watch the video to make an informed Medicare choice!

09/08/2026

Fitness Perks Built Into Your Medicare Advantage Plan

Great news: many Medicare Advantage plans build fitness perks right into your Insurance Cover at no extra cost. Depending on your plan, you could get:

✅ Free memberships to participating gyms and fitness centers nationwide.
✅ Live online and on-demand fitness classes for every level.
✅ Community-based classes at local rec centers and senior communities.
✅ Alternative wellness programs like Renew Active, Silver&Fit, or One Pass.
✅ Social events, balance, strength, or yoga classes designed for older adults.

Not every plan includes this benefit, and coverage varies by carrier and county. Call Bay Area Health Solutions at (408) 903-4624 to see if your plan qualifies.

09/02/2026

Medicare Doesn't Cover You at Sea

Cruising internationally? Original Medicare typically doesn't work at sea or in foreign ports. A medical evacuation from a cruise ship can run anywhere from $25,000 to over $250,000, depending on location and severity. Look for travel insurance with at least $250,000 in medical evacuation coverage before you set sail; it matters more than trip cancellation coverage for most cruisers.

Get a travel insurance quote from Bay Area Health Solutions at https://bayareahealthinsurance.com/travel-insurance.html before you book your next cruise.