2018 Medicare Advantage Plans in California
As a senior, you probably know how costly healthcare can be. Although Medicare might help you pay for a lot of your medical expenses, you might have noticed that there are still a lot of things that you have to pay for. In retirement, you shouldn’t have to worry about coughing up obscene amounts of money for basic healthcare. Luckily, this is where a good California Medicare advantage plan in 2018 can come into play.
If you’re like a lot of seniors, you might have been worried about there being changes to California Medicare advantage plans in 2018. However, the changes to Medicare supplement insurance won’t be as drastic as many thought they would be. Although Medicare advantage plans risk-adjustment scores will be calculated under a new and updated model in 2018, funding will actually be going up about 1.25% rather than decreasing, as was proposed earlier in the year.
This means that it’s still smart to look into a Medicare advantage plan. However, you should be aware of some changes so that you know what to expect from your coverage.
How California Medicare Advantage Plans Will Be Changing in 2018
In the past, many Medicare advantage plans were PPOs, or Preferred Provider Organizations. This meant that you had more freedom to see different doctors, and you could set appointments with specialists as needed.
Due to the Affordable Care Act and other changes to Medicare advantage plans, more and more providers will be moving toward HMOs, or Health Maintenance Organizations. Regardless, you should still have no problem gaining coverage.
How These Changes Will Affect You and Your Medicare Advantage Plan in California for 2018
The big change that you will see with an HMO is that you will have a smaller pool of doctors to choose from, so you will need to select healthcare providers that are a part of your insurance company’s network. You will also need to see your primary care physician for a referral if you need to see a specialist.
These changes can be frustrating, but for best results, you should look for a top provider with a wide network and reasonable rates, whether you are shopping for Part C or another type of supplemental coverage.
How to Shop for the Best Medicare Advantage Plans in California
If you live in California, you should know that there are a lot of great options for you, whether you live in one of these cities or elsewhere in the state:
- San Francisco
- San Jose
- San Diego
- Los Angeles
Even though there are a lot of options, it’s still smart to compare 2018 Medicare advantage plans in California between various providers to find the number one option for you. These are some of the top companies that offer this type of coverage for seniors:
- United Healthcare
- Blue Cross Blue Shield
Although all of this might seem overwhelming, we are here to help you find zero monthly premium options and low-premium options. In fact, we have done all of the leg work for you, so you can make comparing no monthly premium and other plans and choosing the right one for you easy. All you have to do is use our pull-down menu to find your state, and in seconds, you will have access to information from all of the top providers that offer Medicare advantage plans for 2018 in California. This will make doing a comparison of your different options a breeze and can help you get coverage more quickly and easily than ever before.