Best Medicare Advantage Plans Los Angeles 2025

Are you a Los Angeles County resident looking for the best Medicare Advantage plan to suit your needs? With so many options available, it can be challenging to find the perfect one.

Fear not; this comprehensive guide will help you navigate the world of Medicare Advantage plans in Los Angeles County.

We will explore top providers, plan types, costs, and other essential factors to consider when selecting the right plan for you. Let’s make sure you can confidently choose the perfect Medicare Advantage plan tailored to your unique needs.

Key Takeaways

• Explore 131 Medicare Advantage plans available in Los Angeles County from various providers.
• Compare top providers, premiums, and costs to select the most suitable plan type: HMO, PPO, or HMO-POS.
• Understand your eligibility and enrollment periods. Compare ratings for the best fit of coverage benefits & features. Access local resources for assistance with the selection process.

Exploring Medicare Advantage Plans in Los Angeles County

Medicare Advantage plans are an alternative to Original Medicare, offering comprehensive coverage through Medicare-approved private companies. In Los Angeles County, there are 131 California Medicare Advantage plans to choose from, with a typical cost of just $15 per month.

Top providers offering plans in the area include:

• Aetna Medicare
• Anthem Blue Cross Blue Shield
• Aspire Health Plan
• Dean Health Plan
• Devoted Health
• GlobalHealth
• Health Care Service Corporation
• Cigna Healthcare
• Humana
• Molina Healthcare
• Mutual of Omaha
• Premera Blue Cross
• Medica Central Health Plan
• SCAN Health Plan
• Scott and White Health Plan
• Wellcare(R)

These providers are now part of Baylor Scott & White Health and UnitedHealthcare(R).

However, comparing Medicare Advantage plans in Los Angeles County is necessary, given their differences in premiums, network providers, and additional benefits.

Top Providers in Los Angeles County

Some of the top Medicare Advantage companies offering plans in Los Angeles County include Alignment Health Plan, Aetna, SCAN, Kaiser Permanente, and Sharp Health Plan.

For instance, Alignment Health Plan offers services such as understanding coverage, arranging transportation to health appointments, accessing health records, and setting up both in-person and virtual doctor visits. Certain Alignment Health Plan Medicare Advantage plans may also include supplemental benefits, such as grocery stipends and allowances for over-the-counter health products, like vitamins.

Remember, these additional benefits differ from Medicare Supplement Insurance, which is a separate type of coverage, and plan benefits vary.

Average Premiums and Costs

Understanding the average premiums, out-of-pocket limits, and other associated costs is a key factor when considering Medicare Advantage plans in Los Angeles County. The monthly cost of Medicare Advantage plans in California is quite low.

On average it is just $15. However, costs can vary depending on the specific plan and provider.

Sharp Health Plan provides two no-cost plans. On average, the policy fee for these plans is $19 per month.

The average out-of-pocket limit for Medicare Advantage plans in Los Angeles County is $3,400, while the average drug plan deductible is $360. Spending some time comparing plans and understanding their costs will help ensure you find one that best fits your budget and healthcare needs.

Understanding Plan Types: HMO, PPO, and HMO-POS

When comparing Medicare Advantage plans for 2025, you will find three main types available in Los Angeles County: HMO, PPO, and HMO-POS plans.

Each of these plan types has distinct characteristics, affecting factors such as network providers, out-of-pocket costs, and referral requirements.

Grasping the differences between HMO, PPO, and HMO-POS plans will aid you in selecting the most suitable plan for your needs.

HMO Plans

Health Maintenance Organization (HMO) Medicare Advantage plans operate under the HMO model, requiring enrollees to select a primary care physician (PCP) from a network of providers and obtain referrals from the PCP to access specialists. HMO plans often provide lower out-of-pocket costs, although the network of providers may be more limited than other Medicare Advantage plan types.

For example, the Aetna Medicare Select plan is an HMO plan, which is one of the various Medicare plans available. These plans are typically known for their lower costs and emphasis on managed care.

PPO Plans

Preferred Provider Organization (PPO) Medicare Advantage plans provide flexibility in selecting doctors, hospitals, and other healthcare providers that are part of the plan’s network. Generally, lower costs are associated with using providers within the network, while higher out-of-pocket costs may be incurred if providers outside the network are chosen.

PPO plans are Medicare-approved health plans offered by private companies that cover the majority of Part A and Part B benefits. They offer more flexibility when selecting healthcare providers, allowing access to both in-network and out-of-network providers within the plan’s network without requiring a referral.

HMO-POS Plans

HMO-POS plans are a hybrid of HMO and PPO plans, offering the flexibility of a PPO plan with the lower out-of-pocket costs of an HMO plan. Like HMO plans, HMO-POS plans require enrollees to select a primary care physician (PCP) from a network of providers and obtain referrals from the PCP to see specialists.

However, HMO-POS plans allow members to access healthcare providers outside of the plan’s network to receive certain services, although this typically results in higher out-of-pocket costs.

Some of the health insurance providers that offer HMO-POS plans in Los Angeles County are:

• Aetna
• Anthem Blue Cross
• Blue Shield
• Cigna
• Health Net
• Scripps
• Sharp Health Plan
• UnitedHealthcare®