Turning 65 or Retiring Soon?

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Part C is a Medicare Advantage plan. In California, these are typically HMO plans, however, they can be PPO plans also. These plans are considered managed care, where you pick a Primary Care Physician, who belongs to one or more networks. You pick which network you want to work within. 

Medicare Part D, also called the Medicare prescription drug benefit, is an optional United States federal-government program to help Medicare beneficiaries pay for self-administered prescription drugs through prescription drug insurance premiums

Medicare Supplement Insurance (Medigap) plans are not HMO or PPO plans. Medicare Supplement Insurance plans are secondary to Medicare, who’s primary and pays your claims first typically. There are various standardized plans available. These plans are guaranteed renewable, which means the insurance company can’t cancel your Medigap policy as long as you pay the premium.

Original Medicare (Medicare Part A and Part B) does not cover routine dental, vision, or hearing care. There are certain circumstances under which Original Medicare may provide some coverage for dental or vision care in an emergency setting or as part of surgery preparation.