Medicare Advantage Plans – San Diego
There are many options to choose from for your Medicare insurance. In San Diego Medicare Advantage plans are very popular. This is because there are many great plans to choose from and the networks of doctors and hospitals are very extensive. If you decide a Medicare Advantage plan may be the right fit for your San Diego Medicare insurance needs you will have to decide if a PPO or HMO plan is the right fit for you as well. Medicare Advantage plans often include some additional benefits that Original Medicare does not offer, such as dental, vision and hearing coverage. Remember, with a Medicare Advantage plan you are receiving your Medicare coverage through the Advantage plan so you have to make sure your doctor accepts the plan before you sign up. In San Diego there are over 20 Medicare Advantage plans to choose from. Call us at 619-798-5491 to allow us assist you in finding the best Medicare Advantage plan for your unique needs.
PPO Advantage Plans in San Diego
PPO Medicare advantage plans allow you to see any doctor that is within your plan’s network. For example. your doctor is Dr. John and he belongs to the Scripps network of providers. In order to continue to see Dr. John you need to make sure the Advantage plan you choose works with the Scripps network. Generally, the first thing we do with people in our free Medicare consultation is make a note of which Advantage plans have their current doctor in network.
In, addition you generally have the ability to see a specialist without needed a referral from your primary care physician. PPO plans offer more freedom and flexibility than an HMO plan and are usually a good choice for someone who prefers the freedom. In San Diego there are many PPO plans to choose from. Contact us for a free consultation to find out what plan is right for you.
HMO Advantage Plans in San Diego
HMO plans require you to choose a primary care physician. If you need to see a specialist, you are required to a get referral from your primary doctor. In addition, similar to a PPO plan, you have to make sure your providers are in network. If you see any specialists, it is important to ensure the specialists are in network. Many times, folks overlook this and they don’t realize until it is too late. then they cannot see their doctors.
HMO plans offer less freedom than a PPO plan but often have lower out-of-pocket costs. For someone an HMO plan can be the right fit. Give me a call at 619-798-5491 or schedule a free consultation online today to find out what type of Advantage plan is best for you.
What Plan To Choose?
PPO or HMO plans? Before you decide you probably will want to see exactly what plans are available in San Diego. There are many different plans to choose from. The first question I ask is “who is your primary doctor?” From there we can narrow down what plan has your current doctor and specialists in network. From there we can decide what plan is going to offer the most benefit to you. Most plans offer additional benefits such as dental and vision. Others have higher out-of-pocket costs at the doctors office or hospital. Call me at 619-798-5491 to setup a free Medicare consultation.