Medicare Advantage Plans California in 2023
Medicare Advantage plans offer at least the same coverage as traditional Medicare, though many plans now offer additional coverage and benefits not offered in Medicare Parts A and B.
There are hundreds of Medicare Advantage plans in California to search through. Where do you start?
Choosing the right plan can be overwhelming, which is where we can help!
Our licensed insurance agents can easily help you find the right Medicare Advantage plan for you. Or, you can easily use our website to begin shopping for and enrolling in a plan on your own.
Medicare Advantage Plans in California for 2023 may include:
- Dental coverage
- Vision Coverage
- Prescription drug coverage
- Wellness Resources
- Fitness programs
- Meals
- Transportation


The Four Main Types of Medicare Advantage Plans in California are:
- HMOs – Health Maintenance Organization
- PPOs – Preferred Provider Organization
- PFFS – Private Fee-for-Service
- SNPs – Special Needs Plans


Types of Medicare Advantage Plans in California
Health Maintenance Organization – HMO Plans
Health Maintenance Organizations (HMO) are very popular Medicare Advantage plans offered in California. These plans have a network you must stay in to get coverage, and you’ll choose a primary care doctor from this network.
HMOs in California are often very affordable, sometimes with $0 monthly premiums.
- Lower out-of-pocket costs
- You choose your primary doctor in-network
- Many plans include prescription coverage
- Low monthly premiums – sometimes $0 per month


Preferred Provider Organization – PPO Plans
PPO plans offer the use of doctors nationwide, provided they are Medicare-approved and accept the plan’s terms. Coverage in-network is typically less expensive on these plans.
With PPO’s:
- Visit any doctor or hospital that is Medicare-approved and accepts the plan’s terms
- Do not need a referral to see a specialist
- Often include prescription drug coverage


Private Fee-for-Service – PFFS Plans
PFFS plans allow you to see any doctor that is Medicare-approved, however, they must accept the terms of the plan.
With PFFS Plans:
- Visit Medicare-approved doctors who accept the plan’s services and terms
- Often includes prescription coverage
- Have affordable month premiums


Special Needs Plans – SNPs
SNPs were created for people with various diseases or health conditions. To enroll in a SNP you need to meet the plans’ qualifications.
With SNPs:
- Visit Medicare-approved doctors who accept the plan’s services and terms
- Often includes prescription coverage
- Have affordable month premiums
The Best Medicare Advantage Plans in California for 2023 are:
- Kaiser
- Aetna
- Anthem Blue Cross Blue Shield
- Cigna
- Humana
- United Healthcare
Medicare Advantage Plan Enrollment for 2023
If you currently have a Medicare Advantage plan and are wanting to enroll in a different one, then you will need to wait until the Medicare open enrollment period (AEP) in most cases.
This period runs from October 15th – December 7th. Any enrollment change you make for a Medicare Advantage plan during this period will be effective on January 1st of the following year.
New to Medicare?
If you are new to Medicare then you may enroll in a Medicare Advantage plan right away to be effective the same day your Medicare begins. The easiest way to get started is to enter your zip code below.
Or call us today to begin the process so you do not miss any time periods.
