Medicare Advantage plans are different in every area, and act just like the insurance plans you had when you were working. A medicare advantage plan can be either an HMO or PPO, and may have different monthly premiums, copays, and co-insurance. In addition, there are specific rules about when you may enroll in such a plan.
If you have moved recently to the San Francisco Bay area, and are on Medicare, then definitely get in contact me with me. I can help you choose the right plan for you. I service the San Jose, Santa Clara, Menlo Park, and surrounding areas. Let me know if you have any questions. Thank you!