Medicare Advantage at Sutter Health.
Which Medicare Advantage plans work with Sutter, how Medigap and Original Medicare access compares, and our advisor's tips on choosing a plan that keeps your Sutter providers in-network.
About Sutter Health
Founded in 1923 and headquartered in Sacramento, California, Sutter operates across California. Largest not-for-profit health system in Northern California with 24 hospitals, with national strength in cardiology, cancer, women's health, orthopedics, and pediatrics.
Medicare Advantage carriers that contract with Sutter
Anthem Blue Cross, Blue Shield of CA, Humana, UnitedHealthcare/AARP, Aetna, SCAN.
Sutter is in-network with most major Northern California MA plans. Bay Area, Sacramento, and Central Valley have the strongest Sutter network access.
Original Medicare with Medigap = full Sutter access
If keeping Sutter in-network is non-negotiable, the simplest path is Original Medicare (Parts A and B) plus a Medigap plan plus a standalone Part D plan. Medigap plans don't have networks — they pay out-of-pocket costs at any provider that accepts Medicare.
Sutter accepts Medicare. So: Original Medicare + Medigap means you can see any Sutter doctor, in any Sutter hospital, with no referrals or pre-authorizations.
The trade-off: Medigap costs $100-$250/month (versus often $0 for Medicare Advantage), and standalone Part D adds $15-$70/month. But you get total provider freedom and predictable out-of-pocket costs.
How to verify your Sutter doctor is in your Medicare Advantage plan
- Call the plan member services line with your doctor's full name and NPI number. Ask: "Is Dr. [Name], NPI [#####], in-network for [plan name] for 2027?"
- Check the plan's online provider directory. Search by full name. Verify the address matches your Sutter location.
- Call your Sutter doctor's office. Ask the receptionist which Medicare Advantage plans they accept. Verify both that the practice is in-network and that the specific physician is in-network — they're sometimes different.
- If you have specialists, repeat for each one. Network status varies physician-by-physician within the same hospital system.
Free 14-minute Medicare review.
A licensed advisor reviews your specific Sutter providers, your prescriptions, and finds the Medicare Advantage or Medigap option that keeps your care in-network. Free, no obligation.
Call (866) 534-1886Or request a callback · Mon–Fri 8a-8p ET, Sat 9a-2p ET