Find 2019 Medicare Plans in California - CA Medicare Insurance Overview

Medicare Insurance in California

Compare every Medicare plan in your area

Please select the correct zip

California Medicare Insurance

California Medical Insurance Stats

Medicare in California

Medicare offers healthcare coverage to California residents age 65 or older, or to those California residents that suffer from certain medical disabilities. In 2016, 5,778,000 people are enrolled in Medicare in California, accounting for 14.9% of the population in California. Approximately $10,954 was spent per Medicare enrollee in California in 2009, about 5.68% higher than the national average of $10,365. From 2015 to 2030 the number of seniors in California is projected to rise by an estimated 58.54% according to calculations based off of the 2000 Census and therefore the number of Medicare enrollees in California is also expected to rise.

Local Medicare Resources

Residents of California that qualify or are enrolled in Medicare can receive free personalized and unbiased Medicare counseling and education from the California Health Insurance Counseling and Advocacy Program (HICAP), a part of a national network of State Health Insurance and Assistance Programs (SHIP). Additionally California's Senior Medicare Patrol (SMP) helps Medicare beneficiaries detect, avoid, and report healthcare fraud and abuse.

Types of Medicare Coverage

When you are eligible for Medicare you may sign up for Original Medicare (Part A & Part B), which cover hospital services and medical services, respectively, or you may enroll in a Medicare Advantage Plan (Medicare Part C). Keep in mind that you must be eligible for Original Medicare in order to enroll in a Medicare Advantage plan. If you sign up for Original Medicare you also have the option to purchase a separate or stand alone prescription drug plan (Part D). Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. For most Medicare beneficiaries, Part A is already paid through paycheck deductions during their working years (or their spouse's) but most Medicare beneficiaries pay premiums for Part B unless they qualify for financial assistance. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Many Medicare Advantage plans also include additional health benefits such as vision, dental, or hearing coverage and you have the option to purchase a Medicare Advantage plan with prescription drug coverage (MAPD) in almost all states.

California 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in California is $32.77, 47.55% less than the national average of $62.48. 64.56% of 2017 Medicare Part C insurance plans in California have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in California the average annual drug deductible for Medicare Part C insurance plans with drug components is $111.29. 64.56% of 2017 Medicare Part C insurance plans with a drug component in California have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in California is $39.4. 40% of 2017 Medicare Part C insurance plans without a drug component in California have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in California is $4,693.64. 37.15% of 2017 Medicare Advantage plans in California had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in California was 4 stars in 2017.
  • Among California's 2017 Medicare Advantage plans with CMS star ratings:
    • 12.85% earned a score of 5 stars
    • 46.09% earned a score of 4 or 4.5 stars
    • 37.15% earned a score of 3 or 3.5 stars
    • 3.91% of plans are “Not enough data available” or “Too new to be measured”.

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

There are 40 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in California. Of these, the companies that offer the largest variety of plans to choose from are Kaiser Permanente, Humana, and Anthem Blue Cross. In California,Kaiser Permanente has the largest selection of Medicare Advantage plans while Anthem Blue Cross offers the most Medicare Part D plans. The following are all medicare insurance providers in California:

Humana

16 Plans

Health Net

9 Plans

Aetna

5 Plans

WellCare

3 Plans

Cigna

3 Plans

Vitality Health Plan of California

2 Plans

UNITEDHEALTHCARE INS. CO. & UHC INS. CO. OF NY

2 Plans

OMAHA HEALTH INSURANCE COMPANY

2 Plans

Imperial Health Plan of California, Inc.

2 Plans

Blue Shield of California Promise Health Plan

2 Plans

Santa Clara Family Health Plan Cal MediConnect

1 Plans

OneCare Connect

1 Plans

IEHP DualChoice

1 Plans

Health Net Cal MediConnect Medicare Medicaid Plan

1 Plans

Blue Shield of California Promise Health Plan

1 Plans

HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, Medicaid or an individual health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan.