Medicare and Kaiser Permanente in San Diego
Kaiser Permanente works differently from most San Diego health systems, and that difference matters a lot when you move onto Medicare. If you're a Kaiser patient, the key question is: "How do I keep seeing my Kaiser doctors once I'm on Medicare?"
Why Kaiser is different
Kaiser is an integrated, closed system — its doctors, hospitals, and pharmacies work together within Kaiser's own network. With systems like Sharp or Scripps, you can often reach their doctors through Original Medicare and a Medigap plan. Kaiser generally doesn't work that way. To receive your care within Kaiser on Medicare, you typically enroll in Kaiser's own Medicare plan, Kaiser Permanente Senior Advantage, which is a Medicare Advantage (HMO) plan. It keeps you inside the Kaiser system you already know.
What this means for your choice
Because Kaiser is largely all-or-nothing, the real decision is whether staying inside the Kaiser system is right for you, or whether your doctors and priorities point toward a different structure that uses other San Diego hospitals and physician groups. There are trade-offs either way, and they depend on your specific situation — your providers, your prescriptions, and how you like to receive care.
How I can help
As a licensed independent broker, I'll help you weigh whether keeping Kaiser or exploring other options makes the most sense for you, and I'll explain the enrollment windows so you don't miss a deadline. There's no cost to you — independent brokers are compensated by the insurance carriers, so my help is free, whether we meet in person, over the phone, or by video.
Serving San Diego County, on your schedule
I'm a mobile, come-to-you Medicare broker serving the South Bay, Chula Vista, National City, El Cajon, and North County. If you have questions about Kaiser and Medicare, reach out anytime.
Medicare with Ashley — (619) 947-2325
Frequently asked questions
Does Kaiser Permanente accept Medicare?
Yes, through its own Medicare plan. To get care within the Kaiser system on Medicare, you typically enroll in Kaiser Permanente Senior Advantage, a Medicare Advantage HMO plan.
Can I use a Medigap plan at Kaiser?
Generally no. Because Kaiser is a closed, integrated system, Medigap plans don't provide access to Kaiser doctors the way they do at other San Diego systems.
What if I want to keep my Kaiser doctors?
Staying with Kaiser usually means enrolling in a Kaiser Medicare plan. A licensed broker can walk you through whether that's the best fit for you.
Is there a cost to have you help me?
No. Independent brokers are paid by the carriers, so there's no charge to you.
Why San Diego Residents Choose Ashley
There are many Medicare brokers in San Diego County. Here's what sets Ashley apart.
Independent Broker
Not tied to any single company. Ashley shops every major Medicare carrier to find what's right for you.
Multiple Carriers
Contracted with all leading Medicare carriers in San Diego — Ashley compares dozens of plans side by side.
No-Cost Consultations
Ashley is paid by insurance carriers — never by you. Her time and advice are always 100% free.
Reviews Doctors & Prescriptions
Before recommending any plan, Ashley checks that your doctors and medications are covered at the best cost.
Local San Diego Expert
Ashley lives and works in San Diego County. She knows the local plans, local providers, and the community.
Available Year-Round
Ashley's office is available 7 days a week, all year long — not just during open enrollment.
In-Person Appointments
Prefer to meet face to face? Ashley offers in-person appointments in addition to phone and video calls.
Medicare Plans & Programs Ashley Helps With
Reviewing Your Medicare Plan During Annual Enrollment?
Every fall (October 15 – December 7), Medicare beneficiaries can switch plans, drop coverage, or add drug coverage — with changes taking effect January 1. Ashley comes to you throughout San Diego County and makes the review process simple and free.
Learn about the Annual Enrollment Period