If your Medicare Advantage plan is leaving Contra Costa County….
United Healthcare PPO and CA-001A, and Humana Gold and Community Medicare Advantage Plans are leaving. If you have one of these plans in 2024 and you do nothing, you will have NO drug coverage in 2025 and may have high copays for physicians and hospitals.
However, you have extra time to act, even after the Dec. 7 open enrollment deadline. You can choose a new Advantage plan or Original Medicare with a separate drug plan and Medigap plan anytime until Dec. 31 to be effective Jan. 1. You also have time in early 2025, but your new coverage won’t be effective until the month after you enroll.
Want more information about your rights to change plans? Get INFO about options and deadlines here
Want a different Advantage plan? See the 2025 MAPD plans here.
Want to compare Advantage plan prices with your drug costs? Learn to use Plan Finder here.
Want to switch to Original Medicare with a Medigap and drug plan? Learn about Medigap plans here.
Since your Advantage plan is leaving the county, you have a special right to get any Medigap without health screening, so be sure to tell the Medigap company that when you apply.
If you have a Humana Medicare Advantage plan and want to keep John Muir doctors….
Humana Gold and Humana Community plans are leaving. If you want to stay with John Muir Physicians you will need a different plan. In 2025 John Muir Physicians group WILL contract with Central Health, and some John Muir physicians will be included in-network for the Humana and Anthem PPO plans. However always double check that your providers are included in the network of the plan you choose. Either contact the plan or use the “See Directory” link on pages 3-6 of our chart.
You can compare plan prices, including your drug costs, using Medicare’s Plan Finder tool.
If you want to switch paths to Original Medicare with a Medigap and stand-alone drug plan instead, you also have a special right to do that without medical underwriting. If you choose this option you can go to all your same doctors. There is no network with Original Medicare/Medigap. As long as the doctor takes Medicare they will take all Medigap plans.
If you want to know if your current stand-alone drug plan is the best for you next year…
You can try using the medicare.gov plan finder tool yourself, using our Plan Finder Instructions, or you can call Medicare at 1-800-MEDICARE (800-633-4227) and they can do it for you. They’re open 24/7, so call late at night for the fastest service. You can use the same tool to check that your drugs are still covered by your Advantage plan and what they will cost next year.