Medicare is the federal health insurance program for people aged 65 or older, and certain younger people with disabilities. While it is a federal program, the plans, supplement options, and support groups available are highly local. Here is a breakdown of Medicare resources for residents of Los Angeles County.

1. Understanding Medicare Parts A, B, C, and D

  • Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
  • Part B (Medical Insurance): Covers certain doctors' services, outpatient care, medical supplies, and preventive services.
  • Part C (Medicare Advantage): An alternative to original Medicare. These plans are offered by private companies approved by Medicare and often include dental, vision, and prescription drug coverage.
  • Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs.

2. California HICAP (Health Insurance Counseling & Advocacy Program)

The Health Insurance Counseling & Advocacy Program (HICAP) provides free, unbiased counseling and education on Medicare. It is the official state program and does not sell insurance. HICAP counselors can help you compare Medicare Advantage plans, explain supplemental policies (Medigap), and assist with billing disputes or appeals.

In Los Angeles County, HICAP services are coordinated through the Center for Health Care Rights. You can schedule a free, individual consultation with a counselor by phone or at various community centers in LA.

3. Local Enrollment and Assistance Offices in LA

To sign up for Medicare, you can apply online through Social Security or visit a local Social Security office. There are numerous Social Security administration offices throughout Los Angeles, including locations in Downtown LA, Pasadena, Glendale, Torrance, and Santa Monica.

4. Low-Income Assistance Programs

If you have limited income and resources, you may qualify for programs that help pay Medicare premiums and medical costs:

  • Medi-Cal (California Medicaid): For seniors who qualify for both Medicare and Medi-Cal (dual eligibility), Medi-Cal can cover Medicare premiums and copayments.
  • Extra Help: A federal program that helps pay for Medicare prescription drug plan costs.