Medicare Advantage Plans (Medicare Part C) In California

Anthem Medicare Advantage plans in California combine doctor and hospital coverage, and additional benefits in one convenient plan. We offer plan options with prescription drug coverage, dental, vision and hearing, and a prepaid benefits card so you and your budget stay healthy.

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Get All-In-One Coverage With An Anthem Medicare Advantage Plan In California

Medicare Advantage Plans (Part C) include all the benefits of Parts A and B, and more, in one convenient plan. See what Anthem Medicare Advantage has to offer in California.

Benefits To Stretch Your Budget

Our HMO and PPO plans help cover Original Medicare out-of-pocket costs and make your money go further with benefits like:

$0 or low monthly premiums
$0 medical deductibles for in-network services
$0 prescription drug copays
Free access to SilverSneakers^® fitness program

Comprehensive Health Coverage

Most Anthem Part C plans include valuable benefits that go beyond Original Medicare:

Prescription Drug (Part D) coverage
Dental, vision, and hearing benefits
Broad national network of doctors and hospitals
Essential Extras for OTC items, groceries^{1, 2}, utilities^{1, 2} and rides^{2, 3}

Smart Tip: You may be eligible for the Anthem Benefits Prepaid Card to help pay for utilities^{1, 2}, groceries^{1, 2}, and over-the-counter health items.

Compare Anthem Medicare Advantage HMO And PPO Plans

With Health Maintenance Organizations (HMOs), you must use doctors and hospitals within a network, but you can use doctors and hospitals in and out of network⁴ with Preferred Provider Organizations (PPOs). Compare the differences between HMOs and PPOs in California.

Features And Considerations	Anthem Medicare Advantage HMO	Anthem Medicare Advantage PPO
Good for those who want ...	Lower costs and are open to getting care only in the plan’s network	Flexibility to access out-of-network care with no referrals for specialists
Includes Medicare Part A (hospital) & Part B (medical)
Monthly premium	$0 MOST PLANS*	$0 - $44
Copays (In-network primary care provider)	$0 - $20	$0 - $10
In-network medical deductibles	$0 For all PLANS	$0 for some PLANS
Referral required	In some cases	No
Where to go for care	In-network providers only	In-network and out-of-network providers⁴
Includes prescription drug coverage (Part D)	Most plans	Most plans
Includes dental, vision, & hearing coverage	Most plans
Your share of healthcare costs	Lower copays and coinsurance	Higher out-of-network copays and coinsurance
Your annual out-of-pocket costs	Lower	Higher
	Explore Anthem Medicare Advantage HMO Plans	Explore Anthem Medicare Advantage PPO Plans
*Monthly premiums may vary by region and county.

Anthem Medicare Advantage HMO
Features And Considerations
Good for those who want ...	Lower costs and are open to getting care only in the plan’s network
Includes Medicare Part A (hospital) & Part B (medical)
Monthly premium	$0 MOST PLANS*
Copays (In-network primary care provider)	$0 - $20
In-network medical deductibles	$0 For all PLANS
Referral required	In some cases
Where to go for care	In-network providers only
Includes prescription drug coverage (Part D)	Most plans
Includes dental, vision, & hearing coverage	Most plans
Your share of healthcare costs	Lower copays and coinsurance
Your annual out-of-pocket costs	Lower
	Explore Anthem Medicare Advantage HMO Plans
*Monthly premiums may vary by region and county.

Anthem Medicare Advantage PPO
Features And Considerations
Good for those who want ...	Flexibility to access out-of-network care with no referrals for specialists
Includes Medicare Part A (hospital) & Part B (medical)
Monthly premium	$0 - $44
Copays (In-network primary care provider)	$0 - $10
In-network medical deductibles	$0 for some PLANS
Referral required	No
Where to go for care	In-network and out-of-network providers⁴
Includes prescription drug coverage (Part D)	Most plans
Includes dental, vision, & hearing coverage
Your share of healthcare costs	Higher out-of-network copays and coinsurance
Your annual out-of-pocket costs	Higher
	Explore Anthem Medicare Advantage PPO Plans
*Monthly premiums may vary by region and county.

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Explore Anthem Special Needs Plans (SNPs)

Medicare Advantage SNPs in California are plans for people living with disabilities, certain medical conditions, or those who qualify for Medi-Cal and Medicare. These plans combine Original Medicare Part A (hospital) and Part B (medical) with valuable benefits.

Dual Special Needs Plans (D-SNPs)

Our D-SNPs offer support for people eligible for both Medicare and Medi-Cal.

A Care Manager that coordinates your care, medications, and benefits

Prescription drug coverage

Dental, vision, and hearing coverage

Support for OTC, utilities^1,2, groceries^1,2, and transportation^2,3

And a range of other benefits

Anthem offers full dual eligible plans. If you’re receiving full medical benefits from your state, almost all of your out-of-pocket costs will be paid. Plan availability, premiums, benefits, and benefit amounts may vary based on where you live, the plan you choose, and your eligibility.

Explore Anthem Dual Special Needs Plans (D-SNPs)

Chronic Condition SNPs (C-SNPs)

Our C-SNPs offer care for people with diabetes, heart conditions, lung disease, or kidney disease. Plan availability, premiums, benefits, and benefit amounts may vary based on where you live, the plan you choose, and your eligibility.

Benefits tailored to your chronic condition

Dedicated care team to support you

Prescription drug coverage

Dental, vision, and hearing coverage

Support for OTC, utilities^1,2, groceries^1,2, and transportation^2,3

And a range of other benefits

Explore Anthem Chronic Condition SNPs (C-SNPs)

Institutional Special Needs (I-SNPs)

Anthem also offers Institutional Special Needs (I-SNPs) in California. You are eligible for an I-SNP if you expect to be in a long-term care (LTC) or skilled nursing facility, or if you need intermediate care for 90 days or longer.

Smart Tip: Check to see if your doctors are in our network, and that your prescriptions are covered.

Frequently Asked Questions About Medicare Advantage Plans

These plans are popular because you get medical, hospital, and additional benefits — all in one plan. Most of our plans have a $0 monthly premium and may include prescription drug coverage and routine dental, vision and hearing. All have a maximum out-of-pocket annual cost. Plus, these plans may offer other benefits, including allowances for utilities^1,2, groceries^1,2, and over-the-counter health items. There's also a variety of options — we offer HMO, PPO, D-SNP, and C-SNP plans in your state. Plan availability, premiums, benefits, and benefit amounts may vary based on where you live, the plan you choose, and your eligibility.

Once you've signed up for Original Medicare (Parts A and B), you can enroll in Medicare Advantage during your Initial Enrollment Period. This starts three months before your 65^th birthday month and ends three months after it.

You may qualify for a Special Enrollment Period if you experience certain life events, such as moving out of your current plan’s service area or losing your employer-based health coverage.

You can also add, switch, or drop your plan during the Medicare Annual Enrollment Period, from October 15 through December 7 each year.

Your specific health needs and your budget are the most important considerations. For example, if you will need care from out-of-network specialists and facilities⁴, a Medicare Advantage PPO plan may be the right choice for you because these plans typically let you access care out of network without a referral. Otherwise, an HMO plan may be a better fit.

It's important to note that PPO plans typically have a higher cost than HMO plans. But they are great for someone who wants the flexibility to see any doctor or specialist outside the network and without a referral.

Before signing up for a plan that includes prescription drug coverage, be sure to check if your medication is covered.

Learn More About Medicare Advantage HMOs vs. PPOs

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Read Our Medicare Articles

Learn more about Medicare Advantage and compare differences between Original Medicare vs. Medicare Advantage, or Medicare Supplement vs. Medicare Advantage. You can also take a deeper dive into other articles about Medicare plans, benefits, and more.

Browse More Medicare Articles

Learn About Plans In Your State

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If your state isn't listed, visit www.bcbs.com for other coverage options.

^‡Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance). 

¹Members may receive a monthly or quarterly allowance in the form of a benefits prepaid card to pay for a wide range of approved groceries and utilities. Unused amounts will expire at the end of the month or quarter. Benefits vary by plan.

²Depending on your plan, the benefits listed may be available through the Medicare Advantage Value-Based Insurance Design Model or to eligible members as Special Supplemental Benefits for the Chronically Ill (SSBCI). You may qualify for SSBCI if you have a high risk for hospitalization and require intensive care coordination to manage chronic conditions such as Chronic Kidney Diseases, Chronic Lung Disorders, Cardiovascular Disorders, Chronic Heart Failure, or Diabetes. For a full list of chronic conditions or to learn more about other eligibility requirements needed to qualify for SSBCI benefits, please refer to Chapter 4 in the plan's Evidence of Coverage.

³Transportation services are issued as one-way trips and provided on an annual basis. Benefits vary by plan.

⁴Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

The Benefits Mastercard^® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This is a benefits card that can only be used at certain Mastercard merchants participating in this program and will be authorized for qualified purchases as set forth in your Terms and Conditions. Valid only in the U.S. No cash access. Other languages are available upon request.

The SilverSneakers fitness program is provided by Tivity Health, an independent company. Please talk to your doctor before starting an exercise program. SilverSneakers, the SilverSneakers shoe logo type and SilverSneakers Flex are registered trademarks of Tivity Health, Inc. © 2025 Tivity Health, Inc. All rights reserved.

Anthem Blue Cross, a Medicare Advantage organization with a Medicare Contract, offers HMO, HMO D-SNP, HMO C-SNP, and HMO I-SNP plans. Anthem Blue Cross Partnership Plan, a Medicare Advantage Organization with a Medicare Contract, offers HMO and HMO-CSNP plans. Anthem Life and Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO, LPPO D-SNP, and LPPO C-SNP plans. Anthem Blue Cross HMO D-SNP plans and Anthem Life and Health Insurance Company LPPO D-SNP plans additionally contract with state Medicaid programs. Anthem BC Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO plans. Enrollment in an Anthem Blue Cross, Anthem Blue Cross Partnership Plan, Anthem BC Health Insurance Company and Anthem Life and Health Insurance Company plans depend on contract renewal.