Medicare Advantage HMO and PPO in California Counties. Anthem, Blue Shield, Aetna, Health Net and others.
2017 Medicare Advantage Plans
Enrollment or changes made during the Annual Open Enrollment period from October 15 through December 7 will have a January 1, 2017 effective date.
In California you will find mostly HMO Medicare Advantage plans, although Aetna offers a Medicare PPO plan in several Southern California Counties. Anthem for example has a Medicare PPO in only two counties; Riverside and Orange.
If you need more flexibility and want more freedom of choice with doctors and hospitals, you should look into a Medicare Supplement which allows you to see any doctor or hospital in the U.S. who accept Medicare, that’s approximately 96% of all doctors. The most popular Medicare Supplement plans are; Plan F, Plan G and Plan N.
Medicare HMO plans typically offer $0 premium plans, have very comprehensive coverage and many times includes basic dental or vision coverage. The downside to HMO plans are they are very restrictive when you are wishing to see different doctors. When you sign up for the HMO, you need to choose one doctor from their list, and that doctor organizes your care and will refer you to a specialist within the same medical group. But the referral must first be approved.
Medicare Supplement plans provide the most comprehensive plans available, along with the best access to different doctors and hospitals. With a Medicare Supplement you can go to any doctor, hospital or medical facility in the United States who accepts Medicare, there are no networks, simply ask if they accept Medicare, and if so, you can see them. It’s that simple.
The three most popular Medicare Supplement plans; Plan F provide 100% coverage, no copays or deductibles. Plan G offers 100% coverage except for a small $183 per year deductible and with Plan N, you will have the same $183 annual deductible and office visit copays are $20.
Medicare HMO and PPO plans usually include the Medicare Part D Rx coverage. Medicare Supplement plans do NOT include the Part D coverage, so you will need to enroll in a stand-along-plan to help pay for your medications. Feel free to call me, I can help you with finding a Part D Rx plan to fit your prescription needs.
Enrolling in any of the above plans is quick and easy. Once you decide on a plan, the enrollment is very quick and guaranteed.
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