Why Health Coverage Doesn’t Translate to Quality Care for Black Seniors in California

Medicare serves as a federal health insurance initiative for individuals aged 65 and older, along with select under-65 individuals facing specific disabilities or ailments. Medicare Advantage presents a geographically-specific Medicaid choice, with services that shift according to county or Zip Code. Variances in premiums, coverage, and benefits are commonplace across locations. Proponents argue that these plans streamline healthcare accessibility for older adults, often showcasing comprehensive benefits with minimal or zero premiums and deductibles, alongside specialized services encompassing dental, vision, transportation, and even fitness memberships. However, many Black seniors encounter significant coverage voids, hindering their access to essential care, especially specialists and quality services. Unlike the Original Medicare, Medicare Advantage—referred to as Part C—is provided by private entities approved by Medicare, frequently comprising drug coverage (Part D). As Medicare Advantage plans undergo transformation, factors like rising out-of-pocket expenses and a reduction in available plans pose challenges. Enhancing care equity necessitates improved data collection and targeted community investments.