A Medicare Advantage plan combines your Original Medicare coverage (Parts A and B) with additional benefits. Most plans have options for prescription drug coverage (Part D) and routine dental, vision, and hearing benefits.
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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:
Comprehensive Health Coverage
Most Anthem Part C plans include valuable benefits that go beyond Original Medicare:

Smart Tip: You may be eligible for the Anthem Benefits Prepaid Card to help pay for utilities1, 2, groceries1, 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 |
|
||
*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 |
|
|
*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 |
|
|
*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.
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.
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.
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
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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.
Learn About Plans In Your State
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.