Medicare Frequently Asked Questions (FAQs)

All of our Medicare Advantage plans use an HMO network of doctors, specialists, hospitals, and other medical service providers. With any Aspire Health plan, you will first select a network primary care provider (PCP) here in Monterey County, who will help coordinate your care.

All of our plans provide nationwide coverage for urgent and emergent care situations, so don’t worry about emergencies or sudden illnesses that may arise when traveling. You are covered the same way you are in-network — anywhere in the country.

In our three HMO plans (Protect, Advantage and Value), when receiving non-urgent or non-emergent care, you must use the providers who are in our network.

When using our HMO Point of Service (POS) Plan (Plus Plan) in Monterey County, you must access the network of providers for your healthcare services. If you use providers who are in Monterey County but not in the plan’s network, you are fully responsible for the cost of those services. When you are outside of Monterey County and anywhere in the U.S. or its territories, the plan’s Point of Service component provides coverage for you to access Medicare-eligible providers and Medicare-covered services.