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California Medicare Advantage Plans
Medicare Advantage Plans, or Medicare Part C, are private plans that are regulated by CMS and approved to take the place of Medicare parts A and B. Most plans also include the Part D drug coverage plans.
The two most common types of MAPD, or Medicare Advantage Prescription Drug plans are HMO and PPO plans. The primary difference between the two types of plans is that the HMO Medicare Advantage tends to have a more restrictive network, but a lower out of pocket cost and lower premium, in general. With a PPO Medicare Advantage plan, you generally have a less restrictive network, and can go out of network for care in a non emergency situation, however they tend to cost slightly more because they are less restrictive.
Medicare Advantage Added Benefits
Medicare advantage plans in California offer many benefits that you do not get with Original Medicare, often times at a very low cost or no additional premium. They can do this because the federal government compensates them for providing the coverage, per member, and pays a large majority of the premium for you, and they keep costs down by tighter control of their network. Because of this, they also include added benefits that you would not get with Medicare alone *, such as:
- Out of pocket maximums
- Set copay amounts
- Free Gym Membership thru Silversneakers
- Medicare Dental Benefits
- Vision Coverage
- Discounts on Services
As you can clearly see, these plans can offer more than Medicare alone, and are absolutely worth considering if you are looking for a California Medicare Plan. For further explanation on the differences, please visit our Medicare Advantage HMO and Medicare Advantage PPO pages.
* - not available with all plans, see agent for exact plan details.