What is Original Medicare?
Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Part A helps cover inpatient hospital stays, skilled nursing facility stays, home health visits, and hospice care. Part B helps cover visits to doctors, outpatient services, preventive services, and intermittent home health visits.
For most people, there's no monthly premium for Part A but there's a monthly premium for Part B, which varies depending on your income.
You may also choose to enroll in Medicare Part D (Prescription Drug Coverage) or a Medigap policy (supplemental insurance) to help pay some of the costs Original Medicare doesn't cover.
Visit www.medicare.gov to learn more about Medicare benefits and eligibility.
What is Medicare Advantage?
Medicare Advantage Plans (also called Medicare Part C) provide another option for receiving your Medicare benefits. Medicare Advantage plans are private health plans that include coverage for Medicare Parts A and B. Most plans also include prescription drug coverage, and some may cover extra benefits such as glasses, hearing aids, or dental care for an additional cost. Medicare Advantage Plans may have a specific network of doctors and hospitals, so it's important to review the provider network when choosing a plan. Premiums and coverage details vary widely depending on the plan you choose. Note that if you have Medicare Advantage, you don't need Medigap supplemental insurance.
At John Muir Health, we work with the following Medicare Advantage health insurance plans.
Golden State Medicare Health Plan (HMO)
Call Toll-Free 1-877-541-4111
8:00 a.m. - 8:00 p.m., seven days a week during open enrollment period and disenrollment period.
TTY Users: 1-877-551-4111
(Serving portions of Contra Costa county only)
Humana Gold Plus HMO Plan
Call Toll-Free 1-866-836-4001*
8:00 a.m. - 8:00 p.m.
TTY Users: 711
*Call a licensed sales agent toll free 8:00AM-8:00PM, seven days a week.
United AARP MedicareComplete Secure Horizons Plan 2 (HMO)
Call toll-free 1-800-816-0340
Call a licensed sales agent toll free 8:00am-5:00pm, Monday through Friday.
The health plans listed are Medicare Advantage organizations with Medicare contracts. Enrollment in any of the Medicare plans offered by these plan sponsors depends on plan renewal. This is not a complete listing of plans available in your service area. For a complete listing, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
These online resources can also help you understand Medicare.