Health Insurance San Jose

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.

08/26/2026

I highly recommend Gary! He helps explain the complex healthcare system and options in an easy-to-understand way. He has access to a helpful set of tools that assist you in making the best plan decision based on your situation and needs. He is passionate about his job and is a pleasure to work with. – Laurie Stearn

https://share.google/JbgkcE5B9MTHinXik

★★★★★

08/25/2026

Annual Multi-Trip Travel Insurance: A Smarter Way to Stay Covered

If you travel more than once or twice a year, buying a new policy each time can add up fast. An annual multi-trip plan offers continuous Travel Cover for all your trips within 12 months, often at a lower overall cost. It is ideal for frequent travelers who want consistent protection without the hassle of repeated paperwork.

Super Tip: Call Bay Area Health Solutions at 408-903-4624 to find out if an annual multi-trip policy fits your travel habits and budget.

08/24/2026

Need a stairlift? Don’t assume Medicare will pick up the tab.

Watch Gary Church of Bay Area Health Solutions, San Jose, to learn what coverage may be available for your situation.

Watch the full video to know your options!

08/22/2026

Medicare Advantage PPO: Is referral mandatory to see a specialist?

Gary Church of Bay Area Health Solutions explains what you should know before scheduling your appointment, including why staying in-network can help reduce your costs.

Watch the full video for helpful Medicare tips!

08/18/2026

Medicare Myth: “Medicare Advantage plans do not cover emergency care outside my network.”

Truth: By law, Medicare Advantage plans must cover emergency and urgent care, even if the provider or facility is out-of-network. You should never delay seeking emergency treatment due to network concerns; the plan is required to cover it at the in-network cost-sharing level.

08/18/2026

Does Medicare put a limit on physical therapy visits?

Watch Gary Church of Bay Area Health Solutions in San Jose, CA explain how Medicare does not have a set annual limit on medically necessary physical therapy but with a catch.

Watch this short video to learn more about Medicare coverage for physical therapy.

08/11/2026

Will My Doctor Still Be In-Network If I Switch Plans?

✅ Provider networks vary by plan, so a doctor in one plan's network may not be covered under another, even with the same insurer.

✅ Before enrolling, always confirm your current doctors and specialists are listed in the new plan's provider directory.

✅ Switching plans without checking can mean unexpected out-of-pocket costs or having to find a new care team.

✅ Knowing your network status ahead of time gives you peace of mind and avoids gaps in care.

Visit Bay Area Health Solutions at https://bayareahealthinsurance.com/ to check provider networks before you switch plans.

08/10/2026

Have Medicare? You could STILL get a big medical bill!

Why? 20% coinsurance, deductibles, out-of-pocket costs, and out-of-network care can add up fast.

Gary Church of Bay Area Health Solutions breaks down what you need to know – and how to avoid costly surprises.

Watch the video now!

08/04/2026

The Annual Flex Card: A Hidden Perk Worth Knowing About

Many Medicare Advantage plans include an annual flex card, a prepaid benefit you can use for groceries, over-the-counter items, and utility bills. It is one of the Extra Medicare Benefits that often go unused simply because members do not know it exists. Depending on your plan, the allowance may reset quarterly or annually, so checking your balance regularly helps you make the most of it.

Quick Tip: Call Bay Area Health Solutions at 408-903-4624 to find out if your plan includes a flex card and how much is available to you.