There are more Medicare options in 2016 than ever before, including California Medicare Advantage plans. If you choose to enroll, you will be exchanging your Original Medicare benefits for private health insurance that helps you reduce your out-of-pocket expenses.
Plans vary from county to county. Availability depends on healthcare networks in your area that are necessary to support HMO and/or PPO managed care. Click on your county to get started.
Who Can Enroll in Medicare Advantage?
If you are age 65 or older, you most likely qualify to enroll in a California Medicare Advantage plan available in your county. If you have End-Stage Renal Disease (ESRD), you will need to stay on Original Medicare.
You are only allowed to join, drop or change plans during a Medicare Election Period. The period between 15 October and 7 December is the Annual Election Period (AEP). That's when most folks make changes to their Medicare.
You also have an Individual Election Period (IEP). Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.
There are three ways to enroll:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent insurance agent. This is the best way to go if you need someone to help advise you.
Original Medicare + Medigap vs. Medicare Advantage
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a California Medicare Part D Plan (prescriptions) and California Medicare Supplement Insurance.
If you're not familiar with Medigap policies, and how they protect you from medical care liability, please review our California Medigap Plans page. All Medigap plans are standardized. That means you can chose the plan you need based on best price without worrying about the benefits.
About Our 2016 Medicare Part C Information
We collect Medicare health insurance information from public files on the Centers for Medicare and Medicaid Services (CMS) website. Although we do our best to regularly update our databases, we are not able to ensure the exactness of the information. You must use a licensed insurance agent to get an accurate and binding quote.
For more information about the Medicare program, visit http://cms.gov. This page is maintained by David Bynon and was last updated on .