Best Medicare Plans in California
Some of the best Medicare plans in California provide coverage for many seniors and individuals with disabilities. Now’s the time to learn a little more about Medicare in California. This quick guide can help you get started with understanding Medicare in California and the Medicare plans that are available for California beneficiaries.
Overview of Medicare in California
Original Medicare insurance refers to medical coverage through Medicare Part A and Medicare Part B. For the best Medicare coverage, you should sign up for both health plans.
Medicare Part A is strictly a type of hospital insurance. It will help cover costs when you have to stay in the hospital. In some cases, it will help cover skilled nursing care in a nursing home. You shouldn’t have to pay a premium for this coverage. Coverage is paid for by taxes that you paid in while working.
Medicare Part B, which does have a Medicare Part B premium, is the Medicare health plan that serves as basic health insurance. It helps with health care costs for doctor’s visits and outpatient care. This is not a stand-alone plan; to sign up for Medicare Part B, you must sign up for Medicare Part A first.
Enrollment Statistics for Medicare in California
If you’re interested in Medicare in California, check out these California Medicare stats:
- There are more than 6.2 million Medicare beneficiaries in California.
- 16 percent of the population are Medicare beneficiaries in California.
Best Types of Medicare Plans in California
As a beneficiary who is enrolled in original Medicare Part A and Part B, you can enjoy many benefits. For reasonable rates, you can enjoy additional coverage that will help with coinsurance, copayments and deductibles. In some cases, you can even enjoy additional coverage without any monthly premiums on top of the Medicare Part B premium.
ypes of Medicare plans in California that you can choose from:
- Medicare Advantage Plans in California (Medicare Part C) – Beneficiaries of these plans receive their coverage through a private insurance company instead of through Medicare. Many plans are HMO or PPO plans that have service area provider network restrictions. Many Medicare Advantage plans include benefits for dental, hearing and vision. Some have Part D prescription drug plans included. Some plans have monthly premiums. You can only sign up during certain times or in certain situations, such as if your insurance company doesn’t sign a contract renewal with Medicare.
- Medicare Supplement Plans in California – Also known as Medigap plans, these plans work along with original Medicare insurance. Beneficiaries in California can enjoy reasonable monthly premiums in addition to extra benefits with a Medigap policy. Plan F is the most popular choice, but you should compare Medicare plans in California during your initial enrollment period to make the right choice. Also, be aware that things like dental coverage aren’t included with Medicare Supplement insurance and that you’ll have to sign up for a Medicare Part D plan separately.
- Medicare Part D Prescription Drug Plans – Medicare prescription drug plans sometimes come with Advantage plans (these are called MAPD plans). Otherwise, it’s smart to sign up for prescription drug coverage to avoid the Medicare Part D late enrollment penalty and to start saving on medication as soon as possible.
- Special Needs Plans (SNP) – These Medicare plans in California are a form of Medicare Advantage and are designed for people who have certain serious health conditions.
California Medicare Resources
These resources can provide you with a complete description of benefits for California Medicare. Help for low-income California beneficiaries can be found at these links, too.
- CMS: Centers for Medicare & Medicaid Services
- Low-Income Help for California Residents
If you’re a beneficiary of Medicare in California or if you’re going to be signing up soon, we can help you compare insurance plans and look for the best rates. Call us today to talk to one of our licensed insurance agents so that we can explain your plan options and help you choose a company with a 5-star rating.