You have a wide range of Medicare and other senior health insurance options available to you in San Diego County. To make shopping easier, use the navigation links below to show specific plan types. 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.
San Diego County Medicare Insurance Options
Original Medicare (Part A and Part B) is the only Medicare insurance that's standard in California. All private Medicare insurance is regulated by the federal government, but plan and policy availability is regional (e.g., within all parts of San Diego County or throughout the state).
Also, although there are nearly 200,000 primary care doctors (physicians) in America that are authorized to bill Medicare for services provided to their patients, every doctor accepts Medicare payments in a different way. As a result, the combination of health insurance options and doctors who accept them is seemingly endless.
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 San Diego County
Medicare Advantage is a private health insurance replacement for Original Medicare. If you enroll in a San Diego 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.
There are 20 Medicare Advantage plans with prescription coverage and 3 without prescription coverage (Medicare Part D) in San Diego County. Monthly premiums range from $0.00 to $129.00.
Several different kinds of plans are available, but insurers generally offer just the most competitive plans for the area. Most commonly you will find HMO and PPO style managed care plans, but some areas have Private Fee-for-Service (PFFS) plans that work a lot like Original Medicare. A smaller number of areas have Medical Savings Account (MSA) style HMO plans.
If you're on a fixed budget and have good health, look for a plan with a $0 monthly premium. What this means to you is that all of the extra benefits have no additional monthly cost to you. What you pay is your monthly Medicare Part B premium and the co-payments outlined by the plan. Just realize these plans are, most often, the most basic available.
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.
A full thirty-three percent of all Medicare beneficiaries enroll in Medicare Advantage each year. The reason is simple: it's a cost-effective alternative to Original Medicare. We encourage you to learn more by visiting our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages.
Medicare Supplement Insurance in San Diego County
If you like the flexibility of being able to see any doctor you choose, but you're concerned about paying 20% of all your medical bills, the solution is Medicare Supplement insurance. Commonly called Medigap, supplemental Medicare insurance helps pay your share of the Medicare costs.
A Medigap policy is indemnity insurance that pays the portion of your bill not paid by Medicare (up to the limits of the policy). There are ten lettered plans in California (A through N) that are all standardized. So, no matter what carrier you choose, the lettered plan will be the same, only the premium will be different.
It's critical that you understand how Medigap works. It does not give you extra healthcare benefits. If Medicare does not cover a healthcare expense, Medigap does not cover it. That includes your prescriptions, hearing aids, eye glasses, dental exams and other items that Medicare does not cover. Medigap works with everything covered under Medicare Part A and Part B.
Medicare Prescription Drug Plans in San Diego County
One of the most important healthcare benefits needed by most California seniors is prescription medication coverage, and it's not included in Original Medicare. If you want assistance paying for your prescriptions you must enroll in a Medicare Advantage plan that includes it, or join a Medicare Part D plan (PDP).
You have a total of 31 California PDP options this year. Every year plans change, so be sure to review your choices each Annual Election Period. The low cost plan this year is just $12.60 per month. At the high end, premiums top out at $147.00 per month. If you have regular prescriptions, be sure to compare your needs with a plan's formulary before enrolling.
Prescription drug insurance is important, so be sure to learn as much as you can about Medicare Part D before enrolling. You'll find plenty of information on our Medicare Part D Frequently Asked Questions and Medicare Part D Coverage pages.
How-To Find a Medicare Doctor in San Diego County, California
We've recently added all San Diego 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 Alpine, Bonita, Bonsall, Borrego Springs, Cardiff By The Sea, Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, Encinitas, Escondido, Fallbrook, Imperial Beach, Jamul, Julian, La Jolla, La Mesa, Lakeside, Lemon Grove, National City, Oceanside, Poway, Ramona, Rancho Santa Fe, San Diego, San Marcos, San Ysidro, Santee, Solana Beach, Spring Valley, Valley Center, Vista, and surrounding areas.