Counseling Locations
HICAP offers both in-person and virtual (ZOOM and phone) counseling at many locations…
Welcome to Medicare Classes
Our Welcome to Medicare classes offer up-to-date information about Medicare plans and supplements…
About HICAP
HICAP offers free and unbiased help with Medicare and other health insurance, including long-term care insurance….
What should I bring to my appointment?
Come to your appointment with the documents listed here…
ONLINE Version of Welcome to Medicare
We offer a prerecorded Welcome to Medicare class you can view at any time…
What can HICAP help you with?
HICAP can help you with anything related to your Medicare. See more details here…
Understanding Medicare
Learn about the parts of Medicare, timing, enrollment, and options for supplements…
Medicare Premiums
Information on Medicare premiums and co-pays for medical care with just Parts A and B of Medicare…
Signing up for Medicare Online
Everyone seeking Medicare benefits must register through the Social Security Administration…
Part B Late Enrollment Penalty
If you don’t enroll in Medicare Part B when you’re first eligible, you may face a late enrollment penalty…
IRMAA FAQs
If you have high income, you may be assessed an Income Related Monthly Adjustment Amount (IRMAA) on your Parts B and D premiums…
Create a myMedicare Account
An account on Medicare.gov will help you with your Medicare decisions and services…
COBRA and Medicare
If your employer offers you COBRA, beware. COBRA coverage is secondary to Medicare…
End Stage Renal Disease (ESRD)
If you have ESRD, the Medicare rules are complex and different…
Health Savings Accounts
If you are working and have a HSA, special rules apply regarding Medicare and your HSA…
Medicare Plans Overview
Overview of Medicare supplemental plans and important timing issues….
Medicare Advantage Plans
Part C Medicare Advantage supplements, available to anyone on Medicare…
Medigap Plans
Information about Medigap Plans – the original Medicare supplement…
How to Choose an Advantage Plan
Things to consider when selecting an Advantage Plan….
Medicare/Medi-Cal Plans
D-SNP Plans are designed for people on both Medicare and Medi-Cal…
Chronic Advantage Plans
Plans for individuals who have severe or disabling chronic conditions (Diabetes, Cardiovascular Disorder, and Congestive Heart Failure)…
Contra Costa County Health Services
CCHP is a Medicare plan that is a hybrid between a Medigap and an Advantage plan….
Premium Reduction Advantage Plans
Plans for individuals who have other health coverage, such as VA…
Part D Prescription Drug Plans Overview
General overview information about Part D prescription drug plans…
Prescription Drug Plans for Contra Costa
Information about available Part D prescription drug plans…
How to Choose a Drug Plan
Information and instructions on using the Plan Finder tool on the Medicare.gov website. This is the best way to choose a drug plan…
Part D Late Enrollment Penalty
If you don’t have a drug plan you may have a late enrollment penalty…
Part D Transition Rights
Transition policies help you when drug policies or formularies changes…
How to Save Money on Prescription Drugs
Information on a variety of ways to save money on your prescriptions…
Low Income Assistance Overview
You may be eligible for one or more programs that benefit low income Medicare recipients…
Extra Help for Part D
Extra Help (Low Income Subsidy) is a program that can help lower your costs for Medicare Part D prescription drug coverage…
Medicare Savings Programs
There are 3 buy-in programs that pay the Medicare Part B premium for people with low income…
Medi-Cal Facts for Seniors
Medi-Cal is California’s Medicaid, which includes programs that help pay for health and medical care for seniors 65 and over or disabled persons…
Medicare/Medi-Cal Plans for full Duals
D-SNP Advantage plans are designed for persons who have Medicare plus full scope Medi-Cal with $0 Share of Cost…
Options for Medicare with full scope Medi-Cal
There are several Medicare options for people with full scope Medi-Cal and $0 Share of Cost…
Eliminating Medi-Cal Share of Cost
If your income is just a little above the maximum allowed for Medi-Cal, you may be able to lower your income by purchasing additional medical insurance….
LINET – Transition to Part D
LINET helps cover drug costs when you transition from Medi-Cal to Medicare…
MAGI Medi-Cal to Medicare
On Medi-Cal through the ACA and turning 65? See our FAQs…
California 250% Working Disabled Program
If you were deemed disabled before age 65 you may qualify for the working disabled program…
Start HERE!
Community Talks
Attend a talk to learn about changes for next year…
Counseling Events
One-on-one counseling to help with your decisions…
Counseling WORKSHEET
Fill this out and bring it with you for counseling…
About Annual Enrollment
General lnfo and Important Dates
A general reference for deadlines and events during Annual Enrollment..
Quick Solutions!
An overview of important considerations that may help you with your decisions…
Drug Plans
Drug Plans for 2027
Learn about available plans…
PlanFinder for Drug Plans
PlanFinder instructions for how to research and select a drug plan…
Advantage Plans
Changes & Options
What is changing for Advantage plans next year…
How to Choose a MAPD
Information to help you make a decision…
General MAPD Plans
MAPD plans available to everyone next year…
Special Needs Advantage Plans
Medi-Cal/Medicare Plans
MAPD plans for those on Medicare and full scope Medi-Cal..
Chronic Conditions Plans
MAPD plans for those with certain severe chronic conditions…
Premium Reduction Plans
MAPD plans for those also covered under non-Medicare, such as VA…
Medigap Plan Options
Learn about Medigap plans…
Switch to a Medigap
You may have a guaranteed right to switch to a Medigap…
PlanFinder for Medigaps
PlanFinder instructions for how to research and select a Medigap plan…
4703 Lone Tree Way, Antioch, CA 94531
ONLINE version of Welcome to Medicare
Learn about the parts of Medicare, timing, enrollment, and options for supplementing Medicare…
Information on Part B premium and co-pays for medical care with just Parts A and B of Medicare…
Overview of Medicare supplemental plans (Advantage, Medigap, and Drug plans), and important timing issues…
Information about Medigap Plans. The original Medicare supplement…
Information about Part C Medicare Advantage supplements (HMO and PPO) including available plans…
Things to consider when selecting an Advantage Plan…
Medicare Advantage plans for full duals (people on Medicare and full scope Medi-Cal with no share of cost)…
Plans for individuals who have other health insurance such as VA…
Contra Costa Health Services offers a Medicare plan that is a hybrid between a Medigap and a Advantage plans…
General information about Part D prescription drug plans…
If you don’t enroll in a drug plan you may have a late enrollment penalty…
Medicare requires all Part D Drug Plans to establish transition policies. These policies help you when you transition from one policy to another, or at the beginning of the year when formularies change…
How to Save Money of Prescription Drugs
HICAP has compiled helpful information on a variety of ways to save money on your prescriptions…
If your income is just a little above the maximum allowed for Medi-Cal, you may be able to lower your income by purchasing additional medical insurance…
Are you on Medi-Cal through the Affordable Care Act, and turning 65? See our FAQs….
