Sacramento County seniors can choose from a wide range of Medicare and other health insurance products to supplement their traditional Medicare coverage. Use the links below to narrow your options to a specific type of Medicare insurance. If you're not ready to make a decision click here to discover your options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Sacramento County Medicare Insurance Options
Traditional Medicare coverage – that's Part A and Part B – are not based on where you live in Sacramento County or California. This is not true of Medicare Part C and Part D, or Medigap plans. Private Medicare insurance is regional, and costs and availability vary widely.
As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.
The purpose of the MedicareWire.com website is to help guide you through the process of choosing your health insurance. It's all about providing you with the information you need so you can get on the phone with a licensed adviser and finalize your Medicare elections for the year.
Medicare Advantage Insurance in Sacramento County
Medicare Advantage is a private health insurance replacement for Original Medicare. If you enroll in a Sacramento County Medicare Advantage plan you are opting to receive all of your healthcare benefits through the plan. There are strict rules governing going back to Original Medicare, so read and be informed. In most cases you must wait until the next Annual Election Period.
Monthly premiums in Sacramento County start at $0.00 and go as high as $159.00. Generally, the higher the premium the more benefits and coverage a plan has, but not always. The most common additional benefit is prescription drugs. You have 8 Medicare Advantage plans offering prescription drug coverage. There are 1 plans that do not include prescription coverage. That's a total of 9 options!
Plans are not all the same, and there are several common types, including Private Fee-for-Service (PFFS), Health Maintenance Organization (HMO), and Preferred Provider Organization (PPO). Some areas also offer one or more Medical Savings Account (MSA) plans, but they are rare. HMO and PPO plans are by far the most common.
In many areas you will find one or more $0 plans. This simply means that there's no additional monthly premium cost to you above and beyond your monthly Part B premium. In all cases you are required to continue to pay your monthly Part B premium in addition to the Medicare Advantage plan premium.
A low premium is not the only cost to consider when comparing health insurance. Don't forget to look at the MOOP. That's the maximum out-of-pocket expenses you will pay each year. It's an important feature, because it helps you avoid the heavy burden of high medical bills. Be aware that the MOOP does not include the cost of your premiums or your prescriptions.
To better understand why more and more seniors make the switch to Medicare Advantage each year, have a read through our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages. There you will find everything you need to know to decide if it the right move for you.
Medicare Supplement Insurance in Sacramento County
Original Medicare offers California seniors the most flexibility in their healthcare options, but it also comes with a significant risk: Original Medicare does not have an out-of-pocket limit. This serious risk is the reason the insurance industry offers Medicare Supplemental insurance, also known as Medigap.
Medicare Supplements protect you by paying all or part of the uncovered portions of your Medicare bill (up to the limits of the plan you choose). Each of the ten lettered plans have different coverage levels, but they are all standardized by the California state board of insurance. You simply choose the level of coverage you want and shop for the best premium.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Sacramento County
In addition to no out-of-pocket limits, Original Medicare does not cover your prescription medications. It covers medications you need while hospitalized as an inpatient, but for outpatient care you must pay all costs or enroll in a California Medicare Part D plan (PDP) to get cost assistance.
You have a variety of options available to you throughout California. This year there are a total of 31 prescription drug plans available, each with its own formulary. Monthly premiums start at just $12.60 and go up to $147.00 per month for the most inclusive extended plan. While shopping and comparing, don't forget to look at the annual deductible. This is what you will pay at the pharmacy before assistance begins.
Don't make the mistake of enrolling in a Medicare Part D plan because it's cheap. Your prescription drug insurance is important. Learn more about it by reading Medicare Part D Frequently Asked Questions and Medicare Part D Coverage.
How-To Find a Medicare Doctor in Sacramento County, California
We've recently added all Sacramento County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Antelope, Carmichael, Citrus Heights, Courtland, Elk Grove, Fair Oaks, Folsom, Galt, Mather, Mcclellan, North Highlands, Orangevale, Rancho Cordova, Represa, Rio Linda, Sacramento, Sloughhouse, and surrounding areas.