Medicare Advantage Plans, also called Medicare Part C, are an alternative to Original Medicare. Dozens of private insurance companies with a Medicare contract offer Medicare Advantage plans in San Fernando Valley and the surrounding area.
Benefits of Medicare Advantage
Medicare Advantage is a good fit for some people—especially those in large urban areas who are healthy, comfortable with networks, and prepared for occasional out-of-pocket costs. Some plans are very competitive, and low premiums during healthy years can help you save.
Medicare Advantage can be best for beneficiaries who
- Want affordable, predictable costs
- Need a simple one plan covering most healthcare needs
- Face specific health issues or are enrolled in Medicaid
- Prefer a network or preferred provider organization
- Want extra benefits (dental or gym memberships) not available in Original Medicare
- Out-of-pocket spending limits, which help cover all eligible costs for the rest of the year.
Medicare Advantage Includes
These are the typical ingredients in a Medicare Advantage plan
- Part A Hospital Coverage: Includes inpatient hospitalization, hospice care, and skilled nursing home care.
- Part B: Outpatient healthcare needs and also preventative healthcare costs.
- Part D: Prescription drug coverage
- Extra benefits: Including Dental, vision, hearing, over-the-counter medication, gym membership, and transportation
California Medicare Advantage Plans Vary by Zip Code
In California, we’re lucky to have numerous plans to choose from. In the San Fernando Valley alone, we have dozens of Medicare Advantage plans. And each of those plans will have different:
- Networks and providers
- Premiums
- Copays
- Drug coverage
- Extra benefits
- Out-of-pocket limits
- Rules for access
While it’s not bad to have choices, so many Medicare Advantage options can also create confusion and frustration. It’s essential to compare plans every year, because as you’ve likely noticed, any change can impact every aspect of your plan.
How Can I Help?
I’m Jason Rubin, a Medicare Insurance Broker based in Woodland Hills. I help clients across the San Fernando Valley and greater California area.
Medicare Advantage is an all-in-one alternative to Original Medicare, but no Medicare Advantage plan is one-size-fits-all. Plans are as different as the people who need them — and what works for your neighbor might not work for you. Aside from Medicare Advantage, there are also other Medicare Insurance Plans you may be eligible for.
I can help you review your Medicare Advantage options by helping you:
- Compare all Medicare Advantage plans available in your ZIP code
- Review your doctors, prescriptions, and network preferences
- Explain HMOs vs PPOs in simple terms
- Explain pharmacy benefits
I serve Medicare Advantage beneficiaries throughout California and the San Fernando Valley, including Woodland Hills, Tarzana, Calabasas, Thousand Oaks and Beyond. Schedule a no-cost Medicare Advantage review if you’re new to Medicare, thinking about switching plans, or just want to improve your current coverage.