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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 for in-network services
- $0 prescription drug copays
- Free access to SilverSneakers® fitness program
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, groceries1, 2, utilities1, 2 and rides2, 3
Smart Tip: You may be eligible for the Anthem Benefits Prepaid Card to help pay for utilities1, 2, groceries1, 2, and over-the-counter health items.
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 network4 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 - $44 |
|
Copays (In-network primary care provider)
|
$0 - $20
|
$0 - $10
|
|
In-network medical deductibles
|
$0 FOR ALL PLANS |
$0 FOR SOME PLANS |
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Referral required
|
In some cases |
No |
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Where to go for care
|
In-network providers only |
In-network and out-of-network providers4
|
|
Includes prescription drug coverage (Part D)
|
Most plans |
Most plans |
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Includes dental, vision, & hearing coverage
|
Most plans |
|
|
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 may vary by region and county.
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 region and county.
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 region and county.
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.
Smart Tip: Check to see if your doctors are in our network, and that your prescriptions are covered.
Frequently Asked Questions About Medicare Advantage Plans
A Medicare Advantage plan combines your Original Medicare coverage (Parts A and B) with additional benefits. Most plans have options for prescription drug coverage (Part D) and dental, vision, and hearing benefits.
These plans are popular because you get medical, hospital, and additional benefits — all in one plan. Most of our plans have a $0 monthly premium and may include prescription drug coverage and routine dental, vision and hearing. All have a maximum out-of-pocket annual cost. Plus, these plans may offer other benefits, including allowances for utilities1, 2, groceries1, 2, and over-the-counter health items. There's also a variety of options — we offer HMO, PPO, D-SNP, and C-SNP plans in your state. Plan types and benefits may vary based on the county you live in and the plan you choose.
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.
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 facilities4 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, or Medicare Supplement vs. Medicare Advantage. You can also take a deeper dive into other articles about Medicare plans, benefits, and more.
Learn About Plans In Your State
If your state isn't listed, visit www.bcbs.com for other coverage options.
‡ Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).
1 Members may receive a monthly or quarterly allowance in the form of a benefits prepaid card to pay for a wide range of approved groceries and utilities. Unused amounts will expire at the end of the month or quarter. Benefits vary by plan.
2 Depending on your plan, the benefits listed may be available through the Medicare Advantage Value-Based Insurance Design Model or to eligible members as Special Supplemental Benefits for the Chronically Ill (SSBCI). You may qualify for SSBCI if you have a high risk for hospitalization and require intensive care coordination to manage chronic conditions such as Chronic Kidney Diseases, Chronic Lung Disorders, Cardiovascular Disorders, Chronic Heart Failure, or Diabetes. For a full list of chronic conditions or to learn more about other eligibility requirements needed to qualify for SSBCI benefits, please refer to Chapter 4 in the plan's Evidence of Coverage.
3 Transportation services are issued as one-way trips and provided on an annual basis. Benefits vary by plan.
4 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.
The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This is a benefits card that can only be used at certain Mastercard merchants participating in this program and will be authorized for qualified purchases as set forth in your Terms and Conditions. Valid only in the U.S. No cash access. Other languages are available upon request.
Anthem Blue Cross, a Medicare Advantage organization with a Medicare Contract, offers HMO, HMO D-SNP, HMO C-SNP, and HMO I-SNP plans. Anthem Blue Cross Partnership Plan, a Medicare Advantage Organization with a Medicare Contract, offers HMO and HMO-CSNP plans. Anthem Life and Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO, LPPO D-SNP, and LPPO C-SNP plans. Anthem Blue Cross HMO D-SNP plans and Anthem Life and Health Insurance Company LPPO D-SNP plans additionally contract with state Medicaid programs. Anthem BC Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO plans. Enrollment in an Anthem Blue Cross, Anthem Blue Cross Partnership Plan, Anthem BC Health Insurance Company and Anthem Life and Health Insurance Company plans depend on contract renewal.