Medicare Advantage Plans Under Anthem: Details on Benefits, Coverage, and Financial Implications
Anthem, an independent licensee of Blue Cross and Blue Shield, serves approximately 41 million people across 14 states with its health insurance plans. Among its offerings for those aged 65 and above, Anthem provides Medicare Advantage (Part C), Part D, and Medigap plans.
Anthem Medicare Advantage (Part C) Plans
Anthem's Medicare Advantage plans often include $0 deductibles, coverage for hospital stays, office visits, outpatient therapy, ambulance services, and preventive dental, vision, and hearing services (subject to limits). For instance, in Ohio, they offer an Anthem Medicare Advantage (HMO) with $0 deductible, office visit copays of $0-$30, inpatient hospital copays varying by day, and coverage for skilled nursing facilities with copays after a certain duration.
The monthly premiums for Anthem Medicare Advantage plans vary by state and plan. In Missouri, Anthem Medicare Advantage plans average about $10 per month, while in California, they average $15 per month. It is important to note that members still pay the Medicare Part B premium ($185 in 2025), which is separate from plan premiums.
Anthem offers Medicare Advantage plans in some states, but availability differs. For example, Anthem operates Medicare Advantage plans in Ohio and California among others, but not all states may have Anthem Medicare Advantage options.
Anthem Part D Prescription Drug Plans
Anthem offers Part D plans bundled with Medicare Advantage in some regions, particularly influencing prescription drug cost-sharing tiers with varying copays and coinsurance (from $0 to 50% depending on drug tier), as seen in Ohio plans. Specific premium costs for standalone Anthem Part D plans are not detailed in the data but typically vary by region and coverage level.
Anthem Medigap (Medicare Supplement) Plans
Medigap plans help cover out-of-pocket costs not paid by Original Medicare, such as copays, coinsurance, and deductibles. Plan G, for example, is noted for comprehensive coverage among new enrollees. The costs for Anthem Medigap Plan G differ by state. In Missouri, Anthem’s Plan G is cheaper than Blue Cross Blue Shield's comparable plan, while Blue Cross Blue Shield offers cheaper Plan G rates in California.
Availability and premiums for Anthem Medigap plans depend on local markets, and different Anthem subsidiaries serve different areas.
Key State Comparison
| Plan Type | State | Anthem Monthly Premium (Approx.) | Key Benefits | Notes | |----------------------|------------|----------------------------------|-----------------------------------------------|--------------------------------------------------------| | Medicare Advantage | Ohio | Not specified | $0 deductible, copays for hospital & visits | HMO, PPO options with various cost sharing[1] | | Medicare Advantage | Missouri | ~$10 | Includes prescription coverage | Lower premium vs. CA; still pay Medicare Part B[4][3] | | Medicare Advantage | California | ~$15 | Comprehensive benefits with premiums | Part D included; multiple Anthem companies[4][1] | | Medicare Advantage | Maryland | Varies (~$30 average for all) | Bundled Medicare A+B+D, wellness benefits | Anthem not specifically top carrier; many plans in MD[2] | | Medigap (Plan G) | Missouri | Cheaper than BCBS (exact unknown)| Covers copays, coinsurance | Anthem preferred in MO for Medigap[4] | | Medigap (Plan G) | California | More expensive than BCBS | Comprehensive coverage | BCBS is cheaper in CA for Plan G[4] |
Important Notes
- Medicare Part B premiums are always paid separately; Anthem Medicare Advantage or Medigap do not cover this mandatory premium[3].
- Plan availability varies widely by state and even by county, so checking local Anthem offerings is essential[1][4].
- Costs like deductibles and copays also vary by specific plan and coverage tier.
- Other top carriers in certain states like Maryland or California may compete closely with Anthem and sometimes offer lower premiums or broader networks[2][4].
In conclusion, Anthem offers a variety of Medicare Advantage, Part D, and Medigap plans across different states with varying benefits and costs, often competitive but dependent on local market conditions and specific offerings. It is crucial for prospective enrollees to compare Anthem plans with other local providers for the best fit.
- Anthem health insurance plans, including Medicare Advantage (Part C), Part D, and Medigap (Medicare Supplement), serve diverse health-related needs across multiple states.
- Medicare Advantage plans offered by Anthem, such as those in Ohio and Missouri, come with varying benefits, premiums, and cost-sharing tiers, with monthly premiums often lower in places like Missouri compared to California.
- The science behind Medicare coverage and health-and-wellness, as well as medical-conditions, is addressed by Anthem through the comprehensive benefits of their Medicare Advantage plans and the out-of-pocket cost coverage provided by their Medigap plans. These plans align with the mission of health organizations to serve the needs of seniors and other insured individuals.
