Compare Plans
Compare Plans

Sign up for Medicare in Morro Bay, CA

Local licensed agents in San Luis Obispo County are available to assist you if you need help comparing plans or registering for Medicare insurance.

MedicareSignups.com California

Original Medicare

Original Medicare (Part A) covers most medically necessary services.

Medicare Supplement

Medigap plans provide additional insurance for out of pocket costs.

Medicare Advantage

A bundled alternative to Original Medicare for your health and drug coverage.

Not sure what Medicare plan is right for you?

Original Medicare Plans in Morro Bay, CA
(Part A & Part B)

Medicare is a healthcare program that provides coverage for individuals who are eligible for it and those who are currently receiving treatment at a medical facility. It is a fee-for service plan that the federal government is managing.

Since 1965, Medicare has been composed of two parts: the Medicare Part A and the Medicare Part B. For over 50 years, the program has been able to provide coverage for individuals with disabilities and seniors.

With the help of Medicare, people can bypass the need for a referral or authorization when they go to the doctor or hospital of their choice. The government will then pay the cost of the service, and the individual will only be responsible for the remaining left-over funds.

Medicare Supplement Plans in Morro Bay, CA
(Medigap Insurance)

A Medicare supplement is a type of insurance - also known as Medigap insurance - that covers some of the healthcare costs that the original Medicare leaves behind. It can help people fill their coverage gaps. Unlike regular Medicare, it does not require them to pay a huge amount of out-of-pocket expenses.

Since the federal government has standardized the benefits of Medicare supplement plans, they are now uniform across all insurance companies in the country. Before people start looking for a new plan, it is important to familiarize themselves with the pricing methods of the carriers.

Your carrier's pricing method can affect the monthly premium rates of your Medicare supplement plan. It is also important to note that if you have a spouse who needs coverage, then they must purchase a separate policy.

Medicare Advantage Plans in Morro Bay, CA
(Medicare Part C)

Medicare Part C is a type of insurance that is offered by a private company and assumes the risk associated with your original Medicare. This means that it becomes your primary source of coverage instead of Medicare Part B and Part A.

Medicare Advantage plans are also known as Medicare Part C plans. These provide various benefits, such as gym memberships, vision, dental, and prescription drug coverage. Some plans even have an OTC card that allows beneficiaries to shop for over-the-counter medications.

Medicare is a type of healthcare system that consists of two main components: Medicare Part A and Part B. With a Medicare Part C plan, you can choose from a variety of healthcare options and still get the same benefits as both Medicare Part A and B.

Medicare Part D Plans in Morro Bay, CA
(Perscription Drug)

Part D prescription drug plans are commonly used by Medicare beneficiaries to lower the cost of their medications. These plans are designed to provide coverage for the lowest possible cost.

One of the most challenging aspects of Medicare is understanding the various levels of coverage that a prescription drug plan provides.

One of the most common types of coverage that Medicare provides is its prescription drug plan, known as Medicare Part D. This is different from the Medicare Supplement plans that are designed to cover the gaps in the Original Medicare. If you have Medicare Part A but are not yet enrolled in Medicare Part B, you can still enroll in the program through Medicare Part D.

Morro Bay, CA Medicare Supplement Insurance Plan Comparison

First, decide between Traditional Medicare (which covers Parts A and B) and a private insurance's Medicare Advantage (known as Part C). If you go with Traditional Medicare, you'll probably also need a Medigap insurance to cover extra costs and a Part D plan for prescription drugs.

Medicare Advantage Plans: Age 65, Zipcode 93442, Non-smoker*
Plan Type Number of Plans Available Average Monthly Premium Lowest Monthly Premium Highest Monthly Premium Carriers
$0 OOP Medicare Advantage Plans 17 $0.00 $0.00 $0.00 Align Senior Care, Alignment Health Plan, UnitedHealthcare
Paid Medicare Advantage Plans 32 $54.50 $4.50 $172.50 Align Senior Care, Blue Shield of California, UnitedHealthcare

*Plan data last updated on 6/8/2023

Most Popular Medigap Plans: Female, Age 65, Zipcode 93442, Non-smoker*
Plan Type Number of Plans Available Average Monthly Premium Lowest Monthly Premium Highest Monthly Premium Carriers
Plan F 21 $180.18 $154.46 $228.66 State Farm, Everence Association, Humana (Achieve), and 18 others
Plan G 21 $148.99 $120.26 $184.43 State Farm, Everence Association, Humana (Achieve), and 18 others
Plan N 21 $117.77 $95.92 $148.27 State Farm, Everence Association, Humana (Achieve), and 18 others

*Plan data last updated on 6/8/2023

Most Popular Medigap Plans: Male, Age 65, Zipcode 93442, Non-smoker*
Plan Type Number of Plans Available Average Monthly Premium Lowest Monthly Premium Highest Monthly Premium Carriers
Plan F 21 $180.18 $154.46 $228.66 State Farm, Everence Association, Humana (Achieve), and 18 others
Plan G 21 $148.99 $120.26 $184.43 State Farm, Everence Association, Humana (Achieve), and 18 others
Plan N 21 $117.77 $95.92 $148.27 State Farm, Everence Association, Humana (Achieve), and 18 others

*Plan data last updated on 6/8/2023

Disclaimer: The information provided in these tables is for general informational purposes only. We make no guarantees about the accuracy, completeness, or reliability of the data. Please consult with a professional advisor or insurance provider for precise and up-to-date information.

Need help? Speak to a licensed Medicare insurance agent in Morro Bay today

Harry Thal Medicare Agent
Harry Thal

Licensed Medicare Agent
Contact Harry through Medicare Agents Hub »

Morro Bay, CA Medicare Resource Center

Morro Bay Medicare Information

Experience a serene retirement in Morro Bay, CA with the perfect Medicare plan from MedicareSignups.com. When you sign up for Medicare in Morro Bay, our website's intuitive plan comparison tool guarantees you get a plan tailored to your unique needs. Don’t forget, Medicare is a national program, but your options can vary down to your Morro Bay zip code. And for an interesting tidbit about our lovely city - Morro Bay is known for the spectacular Morro Rock, an ancient volcanic mound at the end of Morro Rock Beach. Let us simplify your Medicare sign-up process.

Medicare 101
Upcoming Changes to Morro Bay, CA Medicare in 2025: What to Expect
Medicare Basics

Upcoming Changes to Morro Bay, CA Medicare in 2025: What to Expect

Medicare PPOs in Morro Bay, CA
Medicare Advantage

Medicare PPOs in Morro Bay, CA

Morro Bay, CA Medicare Advantage FAQ
Medicare Advantage

Morro Bay, CA Medicare Advantage FAQ

Morro Bay, CA (Morro Bay, CA) Medicare Donut Hole
Coverage

Morro Bay, CA (Morro Bay, CA) Medicare Donut Hole

Morro Bay, CA Local Medicare Offices

California Official State Health Insurance Assistant Program

California's official state SHIP program is the California Department of Aging's Health Insurance Counseling and Advocacy Program (HICAP). The California Department of Aging (CDA) administers programs that serve older adults, adults with disabilities, family caregivers, and residents in long-term care facilities throughout the State. These services are provided locally by contracted agencies. This webpage is intended for those who provide Health Insurance Counseling & Advocacy Program (HICAP) services.

Visit the Official Website »

Local Morro Bay, CA SHIP program official resource.

California Department of Aging's Health Insurance Counseling and Advocacy Program (HICAP) is the official California state program that is dedicated to helping seniors living in Morro Bay, CA with Medicare information, as well as an abundance of other resources for seniors.