Los Angeles medicare members have over 35 Medicare Advantage plans to choose from, all but one are medicare HMO plans.
One of the keys to finding the right Medicare Advantage HMO is to first check to see if your doctor can be your Primary Care Physician (PCP).
The Primary Care Physician organizes and refers all of your care. If you need a specialist or elective surgery, your primary care physician is the one who will refer you to specific providers.
If you currently do not have a doctor or want a new one, you will need to review the network of doctors and hospitals who are contracted with the different company HMO’s.
You can also call one of the doctors offices to find out who they typically refer to. This will also help you when deciding who to choose.
A Medicare PPO will provide better freedom of choice with doctors and hospitals. The plan wants you to stay in the network of PPO providers, and with a PPO you do NOT need a Primary Care Physician, you can see any of the PPO doctors who are contracted with the plan.
If you are new to medicare, you have a 3 month open enrollment to enroll in a medicare advantage plan including stand-alone part D Rx plans. If you are exiting an employer health insurance policy, you will have a 2 month open enrollment. Or if you move outside of your current medicare advantage “service area” you will be notified the policy will cancel in which case you have a 2 month open enrollment period to choose a plan in your new area.
Most medicare advantage members use the Annual Open Enrollment Period to change plans or companies and to view changes to their current plan. The annual open enrollment period starts each year on October 15 and ends every December 7. All changes and enrollments during this time have a January 1 start date.
Medicare Supplement policies are also available to Los Angeles medicare members. The benefit of freedom of choice with doctors, specialists and hospitals provides access to just about any medical provider across the U.S. Coupled with plan covering 100% of medicare approved medical services, medicare supplement plans are hard to beat.
Enroll today, it’s quick and easy. I can walk you through the entire process and make sure your effective date is when you desire.
Find out more about your Medicare Plan options. Feel free to contact me anytime.