What is Medicare Advantage?
Also known as "Part C", Medicare Advantage plans (MAPD) offer greater benefits at lower costs and essentially takes the place of Original Medicare and the need for a Supplemental Plan, and a PDP Rx Plan. Prescription Drug Plans are considered a type of Medicare Advantage plans.
San Diego has approximately 23 different Medicare Advantage Plans available -
most have a $0 monthly premium. We are authorized to represent and certified to sell over 20 different MAPD plans, ensuring you find the right one.
This video, produced by Humana, is a great way to learn about Medicare Advantage.
Insurance Carriers We Offer That Have Medicare Advantage Plans In San Diego
- Aetna (HMO & PPO)
- Blue Cross (HMO)
- Blue Shield (HMO)
- Care1st (HMO & SNP)
- Easy Choice (HMO & SNP)
- Health Net (HMO, SNP)
- Humana (HMO)
- SCAN (HMO & SNP)
- Secure Horizons (HMO)
Medicare Advantage Plan Definitions
There are many types of plans available throughout California, but not
all types are available in San Diego County. Here are the available types
of Medicare Part C (Advantage) plans in San Diego County.
HMO = Health Maintenance Organization
Typically associated with "networks" such as Sharp, Scripps, UCSD or Tri-City Medical Center. HMO's require a referral by your Primary Care Physician in order to see a specialist. Normally less expensive co-pays and greater benefits vs a PPO or POS plan.
PPO = Preferred Provider Organization
A PPO is a plan that has a network (like an HMO), but allows you to step out of that network and obtain services at virtually any doctor, specialist or hospital. The insurance company will still participate in the share-of-costs, but your share will be higher than if you stayed within the PPO network. No referrals are required with a PPO plan.
SNP = Special Needs Plan
A specials needs plan is designed for those receiving extra financial help from the state or government. To qualify for a SNP plan, either a low-income subsidy (LIS) is required, or you must be receiving some level of Medi-Cal benefits from the state. SNP plans have $0 costs for all services. Some include comprehensive dental, unlimited transportation and extra benefits such as Coordinated Services.
Do you qualify for Medi-Cal, check here.
You can apply for Medi-Cal here.
Medicare Advantage Plans Offer