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Get All-In-One Coverage With An Anthem Medicare Advantage Plan In California
Medicare Advantage Plans (Part C) include all the benefits of Parts A and B, and more, in one convenient plan. See what Anthem Medicare Advantage has to offer in California.
Benefits To Stretch Your Budget
Our HMO and PPO plans help cover Original Medicare out-of-pocket costs and make your money go further with benefits like:
- $0 or low monthly premiums
- $0 medical deductibles
- $0 prescription drug copays
- Free access to SilverSneakers® gym membership
Comprehensive Health Coverage
Most Anthem Part C plans include valuable benefits that go beyond Original Medicare:
- Prescription Drug (Part D) coverage
- Dental, vision, and hearing benefits
- Broad national network of doctors and hospitals
- Essential Extras for OTC items, groceries, utilities and rides2
Smart Tip: You may be eligible for the Anthem Benefits Prepaid Card to help pay for utilities, groceries, and over-the-counter health items.1
Compare Anthem Medicare Advantage HMO And PPO Plans
With Health Maintenance Organizations (HMOs), you must use doctors and hospitals within a network, but you can use doctors and hospitals in and out of network3 with Preferred Provider Organizations (PPOs). Compare the differences between HMOs and PPOs in California.
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Features And Considerations |
Anthem Medicare Advantage HMO
|
Anthem Medicare Advantage PPO |
|---|---|---|
|
Good for those who want ...
|
|
Flexibility to access out-of-network care with no referrals for specialists |
|
Includes Medicare Part A (hospital) & Part B (medical)
|
|
|
|
Monthly premium
|
$0 MOST PLANS* |
$0 MOST PLANS* |
|
Copays (In-network primary care provider)
|
$0 - $20
|
$0 - $10
|
|
Deductibles
|
$0 FOR ALL PLANS |
$0 FOR SOME PLANS |
|
Referral required
|
In some cases |
No |
|
Where to go for care
|
In-network providers only |
In-network and out-of-network providers3
|
|
Includes prescription drug coverage (Part D)
|
Most plans |
Most plans |
|
Includes dental, vision, & hearing coverage
|
|
|
|
Your share of healthcare costs
|
Lower copays and coinsurance |
Higher out-of-network copays and coinsurance
|
|
Your annual out-of-pocket costs
|
Lower |
Higher |
|
|
*Monthly premiums vary by plan and state
Smart Tip: Check to see if your doctors are in our network, and that your prescriptions are covered.
Explore Anthem Special Needs Plans (SNPs)
Medicare Advantage SNPs in California are plans for people living with disabilities, certain medical conditions, or those who qualify for Medi-Cal and Medicare. These plans combine Original Medicare Part A (hospital) and Part B (medical) with valuable benefits.
Dual Special Needs Plans (D-SNPs)
Our D-SNPs offer support for people eligible for both Medicare and Medi-Cal.
Anthem offers full and partial dual eligible plans. If you’re receiving full medical benefits from your state, almost all of your out-of-pocket costs will be paid. Plan benefits vary by state.
Chronic Condition SNPs (C-SNPs)
Our C-SNPs offer care for people with diabetes, heart conditions, lung disease, or kidney disease. Plans and benefits vary by state.
Institutional Special Needs (I-SNPs)
Anthem also offers Institutional Special Needs (I-SNPs) in California. You are eligible for an I-SNP if you expect to be in a long-term care (LTC) or skilled nursing facility, or if you need intermediate care for 90 days or longer.
Frequently Asked Questions About Medicare Advantage Plans
A Medicare Advantage plan combines your Original Medicare coverage (Parts A and B) with additional benefits like prescription drug coverage (Part D) plus dental, vision, and hearing benefits.
These plans are popular because you can get medical, hospital, prescription drug, dental, vision, and hearing benefits – all in one plan. Most of our plans have $0 monthly premium and maximum out-of-pocket costs. Plus, these plans offer other benefits, including allowances for utilities, groceries, and over-the-counter health items. There's also a variety of options - you can pick the plan that's best for you from HMO, PPO, D-SNP, and C-SNP that are tailored to your specific needs.
Once you've signed up for Original Medicare (Parts A and B), you can enroll in Medicare Advantage during your Initial Enrollment Period. This starts three months before your 65th birthday month and ends three months after it.
You may qualify for a Special Enrollment Period if you experience certain life events, such as moving out of your current plan's service area or losing your employer-based health coverage.
You can also add, switch, or drop your plan during the Medicare Annual Enrollment Period, from October 15 through December 7 each year.
And the Medicare Advantage Open Enrollment Period – January 1 to March 31 – offers a one-time opportunity to change your plan.
Your specific health needs and your budget are the most important considerations. For example, if you will need care from out-of-network specialists and facilities,3 a Medicare Advantage PPO plan may be the right choice for you because these plans typically let you access care out of network without a referral. Otherwise, an HMO plan may be a better fit.
It's important to note that PPO plans typically have a higher cost than HMO plans. But they are great for someone who wants the flexibility to see any doctor or specialist outside the network and without a referral.
Before signing up for a plan that includes prescription drug coverage, be sure to check if your medication is covered.
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Read Our Medicare Articles
Learn more about Medicare Advantage and compare differences between Original Medicare vs. Medicare Advantage. You can also take a deeper dive into other articles about Medicare plans, benefits, and more.
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Learn About Plans In Your State
If your state isn't listed, visit www.bcbs.com for other coverage options.
1 Benefits may vary based on where you live and the plan you select.
2 Benefit based on one-way trips to plan-covered services.
3 Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Anthem Blue Cross is an HMO plan with a Medicare contract. Anthem Blue Cross Life and Health Insurance Company is an LPPO plan with a Medicare contract. Anthem Blue Cross is an HMO SNP plan with a Medicare contract and a contract with the California Medicaid program. Enrollment in Anthem Blue Cross, Anthem Blue Cross Life and Health Insurance Company depends on contract renewal.