What is Medicare Advantage?
Advantage plans are Medicare’s way of covering seniors who are not covered enough by the basic Medicare plans. Through Medicare Advantage, seniors can enjoy greater peace of mind and not have to pay a lot for that extra coverage. What Is Medicare Advantage? It is affordable, dependable, comprehensive and a great choice for many seniors who struggle with their medical bills. It is also ideal for people who worry about their medical expenses and the cost of care that they require.
Why be one of the people who worries so much about their healthcare costs that they don’t go to the hospital when they need to? Why not sign up for a Medicare Advantage plan and get the coverage that you need to feel peace about going to the doctor’s office or the hospital?
Medicare Advantage Covers Seniors Well
We want to to tell you at a Medicare Advantage plan could do for you. It could be the coverage that you need to stop paying so much out if pocket for our healthcare. It could be the protection that you need in order to have fewer expenses that you struggle to pay on time.
Medicare Advantage plans will cover seniors for just about the entirety of Medicare Part A and for all of Medicare Part B. That’s coverage for inpatient and outpatient care, including doctor’s office visits, stays at the hospital, a few medications, medical tests, surgeries, blood usage and nursing care, just to name some of them. Advantage plans also take care of any leftover emergency medical costs as well as any urgently needed medical care. That’s a huge package of coverage, and that’s only what you’ll get from the most basic of Medicare Advantage plans.
If you need more coverage than the basic plan provides, they you should be looking into the high coverage Advantage plans. These include all that basic coverage, plus more. They can cover you for Medicare Part D, for instance. This can include coverage for many name brand and generic medications your doctor prescribes for you.
Some Advantage plans will cover your visits to the dentist, optometrist, hearing specialist and more, for general checkups and for routine services like dental cleanings or x-rays.
How much of this coverage do you need? You decide, as you can pick from several different kinds of Medicare Advantage plans and find one that is a good fit for your needs.
2021 MEDICARE ADVANTAGE
Advantage Plans Are Limited by Network
Did you know that you cannot take a Medicare Advantage plan to just any medical facility and expect that insurance plan to be honored? There are places that will not accept your plan and will make you pay full price for any medical services received there. It doesn’t matter how much you pay each month for your Advantage plan and the coverage it is supposed to provide.
This happens because every Advantage plan is limited to giving you full coverage only on your insurer’s network. So, if you buy a Medicare Advantage plan from Humana and then go to a medical facility near you that isn’t on Humana’s network, then you have to pay for much or all of the cost of yourself. What is a Medicare Advantage plan? It’s a powerful, expansive plan that is limited by coverage area.
Advantage plans have to operate on their network or have some provision for when you are outside of the network receiving care. The basic kind of network option you can get is the HMO Advantage plan. This will cover you just on the network, and it is affordably priced and simple.
If you want to get some coverage outside of your insurer’s network, then you will have to go with something like a PPO Advantage plan. This covers you when you go off the network, but be warned that the coverage is not complete. You get full coverage with it for on the network, but only partial coverage for outside the network.
2021 MEDICARE ADVANTAGE
Who Is Medicare Advantage for?
We have already told you that Advantage plans are designed for seniors, but not everyone will qualify. You have to be 65 or older to qualify, in most cases. You also have to have a valid and active Original Medicare plan. That’s because Original Medicare will be mostly replaced by the Advantage plan, but Original Medicare will still provide you with some coverage, namely for hospice care.
If you are not sure of the qualifications, or you just have some questions about Medicare Advantage, be sure to give us a call. We can answer your questions and help you figure out what your options are. Not every kind of Advantage plan or network option will be available in your area or from the provider that you are interested in. That’s why you should use our site to source some quotes and see what is available.
We request your zip code to perform the search, and we use that bit of information to find you suitable plans in your area. We only give you local results to ensure that information is relevant to you and accurate. The rates will vary from one insurance provider to another and from one part of the country to another. This is why you should be using our website to find out the rates and to source your quotes.
Medicare Advantage plans provide powerful coverage that seniors can benefit from, but if you have any conflicting insurance coverage, then you won’t be able to sign up just yet. You’ll need to decide on one plan or another, if you have a Medicare Supplement or some coverage plan from your union or employer. Medicare Advantage won’t be compatible with those insurance policies.
Be sure to check with us if you have any more questions. What is Medicare Advantage? It’s potentially going to save you some money and help you to get the coverage that you need to feel safe and protected from the rising cost of healthcare services. Let us know if we can assist you in picking the right plan.