Customer Service
(916) 407-2000
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(844) 889-2273
Medicare Hotline
(916) 407-2000 ext. 2512
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Medicare Services at Nivano Physicians

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We serve Medicare patients in Alameda, Butte, Contra Costa, El Dorado, Nevada, Placer, Sacramento, Santa Clara, Sutter, Yolo, and Yuba counties.

Nivano Physicians is proud to work with Aetna, Alignment Health Plan, and Imperial Health Plan.

Important: While we offer 3 organizations, not all plans are available in your area.

Not connected to the U.S. government or federal Medicare program.

Contact us to speak with a licensed insurance agent.

Who Qualifies for Medicare in California

Medicare is federal health insurance for U.S. citizens aged 65 and older, and younger people with certain disabilities.

You qualify if you:

  • Are 65 or older and lived in the U.S. legally for at least 5 years
  • Worked for at least 10 years (40 quarters) in Medicare-covered jobs
  • Have certain disabilities including End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS)

California residents may also qualify through Social Security Disability Insurance (SSDI) after getting benefits for 25 months.

Our agents can help you understand these requirements and find the best time to enroll. Contact us to learn more.

Visit Medicare.gov to check if you qualify and see your costs.

Turning 65 Checklist
(916) 407-2000

Why Choose Us?

Experience the Nivano Difference in Healthcare

Serving 14 counties across Northern California, our network connects you with trusted providers who understand your health needs and the communities we serve.

We partner with leading Medicare Advantage health plans, including Anthem Blue Cross, Imperial Health Plan, and Aetna, to offer flexible plan options and dedicated support every step of the way.

Whether you’re enrolling in Medicare for the first time or switching medical groups, our team helps you select the right physician, understand your coverage, and start receiving quality care without interruption.

Highly-Qualified Professionals

Board-certified physicians committed to exceptional patient care.

Top-of-the-line Equipment

Advanced medical technology for accurate diagnosis and treatment.

Fast and affordable services

Efficient scheduling with competitive pricing and quality care.

Satisfaction Guaranteed

High patient satisfaction through personalized, responsive service.

Medicare Parts A, B, C, and D Coverage

Part A (Hospital Insurance) covers hospital stays, skilled nursing facility care, hospice care, and some home health services. Most California residents get free Part A if they or their spouse paid Medicare taxes for at least 10 years.

Part B (Medical Insurance) covers physician services, outpatient care, medical equipment, and preventive services. Part B has a monthly premium.

Part C (Medicare Advantage) includes Parts A and B through private insurance plans. Many Medicare Advantage plans also include prescription drug coverage and may offer extra benefits like dental, vision, and wellness programs. Medicare Advantage plans have network restrictions and work in certain areas.

Part D covers prescription drugs for people with Original Medicare (Parts A and B only).

Our physicians work with Medicare Advantage plans in California. Contact us to discuss which coverage might work for you.

Nivano Physicians Accepted Medicare Plans and Service Areas

Nivano Physicians sees Medicare patients in eleven Northern California counties. We work with Medicare Advantage plans. We accept Aetna, Alignment Health Plan, and Imperial Health Plan in Alameda, Butte, Contra Costa, El Dorado, Nevada, Placer, Sacramento, Santa Clara, Sutter, Yolo, and Yuba Counties.

Each Medicare Advantage plan has different benefits, network providers, costs, and coverage limits. Plan benefits and costs vary by organization and plan.

Contact us to check if we accept your plan and to schedule appointments with our doctors.

Plans we work with: Aetna, Alignment Health Plan, Imperial Health Plan

Don't Miss Your Medicare Enrollment Deadline!

Explore Medicare Advantage plans that include Nivano Physicians—an Independent Physician Association with 400+ primary care physicians, 1,200+ specialists, and 89 urgent care centers across Northern California.

Annual Enrollment Period ends Dec. 7th.

Get Details
Or Call (916) 407-2000 ext. 2512
(916) 407-2000

Medicare Advantage vs. Original Medicare: Understanding Your Options

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Original Medicare (Parts A and B) gives the same coverage across the country. You need a separate Part D prescription drug plan. Many people also buy Medicare Supplement Insurance (Medigap) for extra coverage of cost-sharing amounts.

Medicare Advantage plans (Part C) combine Parts A and B into one plan from private insurance companies. Many include prescription drug coverage (Part D). They may offer extra benefits not in Original Medicare, like dental, vision, hearing, fitness programs, and transportation. But Medicare Advantage plans usually have network restrictions that limit which providers you can see. You need referrals for specialist care.

Think about your healthcare providers, current medications, budget, and healthcare needs when choosing Medicare options. Contact us to learn about plans in your area from our insurance agents.

How Can We Help

Medicare Support Services at Nivano Physicians

Medicare Support Services at Nivano Physicians

Nivano Physicians offers healthcare coordination services for Medicare patients in Northern California. Our services include:

  • Information about who qualifies for Medicare
  • Help understanding plan benefits and coverage
  • Prescription drug coverage questions
  • Annual enrollment period support
  • Care coordination with our physician network

 

Contact our office for assistance with your Medicare questions. Licensed insurance agents can answer questions about Medicare Advantage plans we work with in your area.

Learn More About Us
(916) 407-2000

Partner with California’s Premier Healthcare Administration Team

Experience the Nivano Physicians difference — where healthcare administration meets genuine patient advocacy, and your well-being always comes first.

Take the first step toward better health today with your FREE Annual Wellness Physical — no copay, no cost, just proactive care built around you.

 
Click Here to Schedule Your Free Annual Wellness Physical

Medicare Enrollment Periods and Important Deadlines

Initial Enrollment Period (IEP): Starts three months before you turn 65 and goes three months after. This gives you seven months to sign up for Medicare. If you miss this period, you may have to pay late fees and have gaps in coverage.

Annual Enrollment Period (AEP): Runs from October 15 through December 7 each year. During this time, Medicare beneficiaries can sign up for or switch Medicare Advantage plans, change Part D prescription drug coverage, or go back to Original Medicare.

Special Enrollment Periods (SEP): Let you change plans because of certain life events like moving outside your plan’s service area, losing other health coverage, or qualifying for Medicaid or Extra Help.

Medicare Advantage Open Enrollment Period: Runs from January 1 through March 31 each year if you’re already enrolled in Medicare Advantage plans.

Licensed insurance agents can help you understand enrollment periods and deadlines for your situation. Contact us to learn more.

Medicare Costs in California

Medicare costs depend on the parts and plans you choose and your income.

Part A: Most California residents get premium-free Part A if they or their spouse paid Medicare taxes for at least 10 years. If you don’t qualify for premium-free Part A, you can buy it.

Part B: You pay a monthly premium. CMS sets the standard premium amount each year. If you have higher income, you pay Income-Related Monthly Adjustment Amounts (IRMAA) plus the standard premium.

Part C (Medicare Advantage): Plan premiums depend on the organization and plan. Some Medicare Advantage plans have $0 monthly premiums. Others charge monthly premiums plus the Part B premium. All Medicare Advantage members must keep paying their Part B premium.

Part D: Prescription drug plan premiums depend on the plan. If you have higher income, you pay IRMAA plus your plan premium.

California has programs to help you pay for healthcare costs. These include Extra Help for prescription drug costs and programs for dual-eligible beneficiaries (people eligible for both Medicare and Medi-Cal).

California has programs to help you pay for healthcare costs. These include Extra Help for prescription drug costs and programs for dual-eligible beneficiaries (people eligible for both Medicare and Medi-Cal).

Contact us to ask about plan costs and financial help you may qualify for.

Nivano Physicians Patient Testimonials

At Nivano Physicians, patient satisfaction is at the heart of everything we do. From navigating Medicare and Medi-Cal to receiving expert care through our extensive provider network, our patients trust us to deliver compassionate, accessible, and personalized healthcare across Northern California.

Nivano made my Medicare transition stress-free.

“Turning 65 was overwhelming until I called Nivano. Their team walked me through my plan options, and now I feel confident in my coverage and care.”

Linda M.

Easy access to specialists without the long wait.

“I used the eConsult service through my primary doctor and got expert advice from a specialist in days, not months. It saved me time and worry.”

Rafael T.

They treat you like family.

“From the first call to my follow-up appointment, I felt genuinely cared for. Nivano Physicians goes above and beyond for their patients.”

Doris J.

Say Hello

Medicare Resources and Educational Support

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Nivano Physicians provides Medicare information for people in Northern California. We offer information about Medicare coverage, enrollment periods, and plan changes.

For complete Medicare information, visit Medicare.gov or contact Medicare directly for assistance 24 hours a day, 7 days a week.

Contact your local State Health Insurance Assistance Program (SHIP) for free one-on-one Medicare help.

Our office can provide information about specific Medicare Advantage plans we work with. Contact us to speak with licensed agents about plans in your area.

(916) 407-2000

GOT QUESTIONS?

Check Out Our FAQs

What Medicare plans does Nivano Physicians accept in California?

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Nivano Physicians works with Medicare Advantage plans from Aetna, Alignment Health Plan, and Imperial Health Plan in Alameda, Butte, Contra Costa, El Dorado, Nevada, Placer, Sacramento, Santa Clara, Sutter, Yolo, and Yuba Counties. We also see patients with Original Medicare.

Contact us to check if your plan is accepted.

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Your Initial Enrollment Period starts three months before the month you turn 65 and ends three months after.

Contact Medicare for help with enrollment at Medicare.gov.

Licensed insurance agents can provide information about Medicare Advantage plans during your enrollment period. Contact us to learn more.

Original Medicare (Parts A and B) provides standard coverage nationwide. Medicare Advantage plans (Part C) are offered by private insurance companies and combine Parts A and B, often including prescription drug coverage and extra benefits. Medicare Advantage plans have network restrictions. Licensed insurance agents can explain plan differences in your area.

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Costs vary by coverage type and plan. Part A is premium-free for most people. Part B requires a monthly premium. Medicare Advantage and Part D plan costs vary.

Contact Medicare for current premium information.

Contact us to learn about plan costs in your area.

Yes. People eligible for both Medicare and Medi-Cal (California’s Medicaid program) are called “dual-eligible beneficiaries.” Special Medicare Advantage plans called Dual Eligible Special Needs Plans (D-SNPs) serve these people.

Contact us for information about D-SNPs in your area.

Nivano Physicians serves Medicare patients in Alameda, Butte, Contra Costa, El Dorado, Nevada, Placer, Sacramento, Santa Clara, Sutter, Yolo, and Yuba Counties. Which Medicare Advantage plans are available changes by county.

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Visit Medicare.gov or contact Medicare for assistance.

Contact your local State Health Insurance Assistance Program (SHIP) for free Medicare counseling.

Licensed insurance agents at Nivano Physicians can provide information about Medicare Advantage plans we work with. Contact us to learn more.

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Extra benefits vary by plan and company. Some Medicare Advantage plans may include prescription drug coverage, dental, vision, hearing, fitness programs, meal delivery, or transportation services not covered by Original Medicare. Benefits and coverage limits vary between plans.

Contact us for information about plan benefits in your area.