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California Medicare Supplement | California Medicare Advantage
Choosing between the seemingly endless variety of Medicare companies and plans can be quite complicated.
The choice of plans, costs and coverage vary by counties in California. Our goal is to make this process if not easy, at least understandable. An informed consumer is a better consumer.
One only needs to be a Medicare beneficiary to apply for most California Medicare Plans. Many people believe you must be at least 65 to receive Medicare but this is not always the case. Medicare provides benefits to permanently disabled people under age 65 as well.
California Medicare Plans
Available plans include:
- Medicare Supplement (MediGap)
- Medicare Advantage
- Medicare Advantage HMO
- Medicare Advantage PPO
- Special Needs Plans (SNP)
- Chronic Illness Plans
- Dual Eligible (Medi-Cal)
- Part D (PDP)
California Medicare Supplement
California Medicare Supplement plans cover the expenses after medicare has paid.
You would be well served to review your costs and coverage every year. California Medicare Supplement prices usually go up annually and a good deal last year may not be a good price this year. All plans are standardized so the difference between companies boils down to cost. You can change plans every year because of the California Medicare Birthday Rule.
California Medicare Supplement Birthday Rule
In California, you can change your California Medicare Supplement Plan every year on your birthday within 30 days of your date of birth, as long as you currently have a medicare supplement plan. This means every year, if there was a large rate increase, you have the right to move to a different carrier without going through medical underwriting an additional time.
California Medicare Advantage
Chances also occur every year on California Medicare Advantage Plans, including HMO, PPO, SNP plans and extends to your drug plan. Typically when it comes to Medicare in California - benefits and costs will change every year. So we can help you review you coverage to make sure you still are receiving all the benefits Medicare has to offer at the lowest possible cost to you.
California Medicare Advantage PPO
California Medicare Advantage PPO plans have a set network, but it is possible to use any doctor outside the network that accepts medicare and accepts your plan as payment. They do not have to accept the plan as payment if they are outside the network. This means you can use the many doctors in network, and possibly those outside your network of providers. Plans also can include drug coverage as part of the monthly premium.
California Medicare Advantage HMO
California Medicare Advantage HMO plans have a set network, and in most cases you cannot go outside the network except in cases of emergency. This style plan also usually includes drug coverage as part of the monthly premium.
You can review your options on your own or turn this job over to a professional California Medicare insurance agent. We represent virtually every carrier doing business in California and will help you make the best choice for you.
Call us at 1-800-550-0155 at your convenience and let us help you find the right California Medicare Supplement or Advantage Plan.