![]() This plan consists of the high-deductible health plan and the Medicare Savings Account. You are able to choose your health care services and providers. The Medical Savings Account (MSA) Plan is a consumer-directed Medicare Advantage Plan similar to Health Savings Account Plans available outside of Medicare. Going to another doctor or facility for non-emergency or non-urgent care services, your plan may not cover your services or your costs could be higher. You can also see any network providers who have agreed to always treat plan members. Some cases allow you to get your health care from any doctor, health care provider, or hospital within your PFFS plan. This plan determines how much it will pay doctors, health care providers, hospitals, and how much you must pay when you receive care. Private Fee-for-Service (PFFS) aren’t the same as Original Medicare or Medigap. You also don’t need to choose a primary care doctor in PPO plans. Prescription drugs are covered in PPO plans most of the time. You are always covered for emergency or urgent care, however when you use out-of-network providers for covered services you may have to pay a higher cost. You pay less if you use them within the plan’s network. Preferred Provider Organization (PPO) are offered through a private insurance company who have network doctors, health care providers, and hospitals. If you specifically want prescription drug coverage, you must join an HMO plan that covers it. In most cases, prescription drugs are covered in HMO plans. These plans fall under a number of types, including Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), and Private Fee-for-Service plans (PFFSs).Health Maintenance Organization (HMO) typically require you to get your care from doctors, health care providers, and hospitals within your plans network except: emergency care, out-of-area urgent care, and temporary out-of-area dialysis. Medicare Advantage plans in California are offered by private insurance companies in the state that have contracted with Medicare. What are the types of Medicare Advantage plans in California? If you enroll in a Medicare Advantage plan, you’re still enrolled in Medicare and part of the Medicare program you’ll just be getting your benefits through your Medicare plan, instead of the federally administered program. These plans cover at least the same hospital and medical benefits of Medicare Parts A and B and may include additional coverage for routine dental and vision care, hearing services, and prescription medications. Medicare Advantage plans in California offer an alternative for beneficiaries who may be looking for coverage beyond Medicare Parts A and B and prefer the convenience of having those benefits included under a single plan. Medicare Advantage plans in California – an overview Here’s a quick rundown of Medicare Advantage plans in California. You might find extra coverage you didn’t expect. When you have Medicare in California, you generally choose to get your Original Medicare benefits through a Medicare Advantage plan. ![]()
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