The Medicare open enrollment period is here, and this year will likely be a record for the number of people signing up for Medicare Advantage plans for 2021.

New Advantage plans being offered are providing more and more benefits to Seniors and are very attractive for people who have a lot of healthcare needs.

They can cover services for common, necessary medical procedures and diagnosis, and help to provide peace of mind. That is often worth the monthly premium for many seniors who currently struggle to pay their healthcare bills every month. And, there might $0 premium plans available in your area.

Any changes made during this time will go into effect on January 1st of the following year.

Medicare Advantage Plans in 2021 will provide at least as much coverage as both Part A and B Medicare together (Original Medicare), although some plans offer additional benefits. Many advantage plans in 2021 will have Part D prescription drug coverage built into the plan, as well as dental, vision, and hearing coverage also included.

Medicare Advantage Plans 2021 – 3 Big Changes for 2021

Due to Medicare advantage plan benefits improving each year, along with the recent Covid-19 pandemic and an effort to improve overall medical services for Seniors, the Center for Medicare & Medicaid Service (CMS) has initiated some changes to Medicare advantage plans in 2021.

The 3 Major Changes to Medicare Advantage for 2021 plans are:

• A Medicare Part D drug plan Coverage Level Change (including donut hole parameters changing)
• An expanded Telehealth service offered to patients
• Changes to End-stage renal disease (ESRD) applicants

Medicare Part D drug plans for 2021

For years Medicare has had something called the “donut hole”. This is a time when the cost of your medications reach a certain level, and you are in what is called a coverage “gap”. Historically when this happened your drug costs would rise dramatically.

The Medicare Part D change in 2021 is raising the amount of money it takes to reach this donut hole, causing some to get in later than usual which is always a good thing.

The amount it took to reach this gap in 2020 was $4020, and it’s being raise in 2021 to $4130.

Expanded Telehealth Services in 2021

Another great change taking place to Medicare advantage plans in 2021 is the extended telehealth benefits. Members of advantage plans can now receive care in a virtual format in the safety and comfort of their own homes.

Internet and conferencing via video makes this all possible and it became a necessity due to the Covid virus. In all honestly this was long over due and is especially important for those who have trouble leaving the home.

Any check-ins to your doctor can be performed via:

• Phone calls
• Video conferencing
• Using Text message
• Using the provider/patient website portal

End-Stage Renal Disease Applicants in 2021

In the past, Medicare advantage plans were only available to people who had ESRD if they enrolled in one during their open enrollment period, or changed during the Medicare Annual election (AEP) period each October.

Due to an act in Congress called the 21st Century Cures act, in January of 2021 beneficiaries who have ESRD may enroll into Medicare Advantage plans and be eligible

Best Medicare Advantage Plans 2021

We can help! This website was designed to help you find the best Medicare Advantage plans for 2021 in your area that fit your needs the best.

Finding a plan and network that your doctors participate with is your very best option for Medicare advantage coverage. There are several carriers to choose from for Medicare Advantage plans in 2021, such as:

• Anthem/Blue Cross Blue Sheild
• Humana
• Aetna
• Cigna
• United Healthcare
• Many more!

Just Turning 65 or New to Medicare?

You may enroll in a Medicare Advantage plans for 2021 the very first day your Medicare coverage begins. Many Advantage plans also carry prescription drug coverage as well.

To get started in choosing a plan just click the button to the right! You will then be paired up with multiple insurance carriers to help you find the best plan to fit your needs in your area.

With so many new Medicare advantage plans for 2021 being offered you’re sure to find a plan that is right for you using this website.

We make it easy!

Medicare Open Enrollment 2021

The Medicare enrollment period begins on October 15th and lasts through December 7th. During this time you can:

• Leave Original Medicare/Medigap and enroll in a Medicare Advantage plan
• Change your Medicare Advantage plan to another
• Leave a Medicare Advantage plan, return to Original Medicare/Medigap
• Change your Part D drug plan

Base coverage for Medicare Advantage is going to take care of all of Original Medicare (except for hospice care).

That means the entirety of Medicare parts A and B will be included in what Medicare Advantage offers.

You might think that it would be redundant to have a Medicare Advantage plan at the same time as an Original Medicare plan then, since Original Medicare covers the same parts A and B.

However, the two plans are designed with the other in mind, so you don’t have to worry about any overlap or about paying for the same coverage twice.

Advantage plans will also cover the cost of urgently needed care.

That means any medical expense that your doctor says you need will have to be covered by this plan, so long as you pay the deductible first.

Emergency care is covered too, which can include ambulance services and ER visits that are not already covered by the Medicare Part B section of the policy.

This is only the basic coverage so for, or what Medicare requires every Advantage plan to include.

It is powerful coverage just like that, but the Advantage plans actually tend to go further many times. There are higher coverage plans, often called Medicare Complete or Medicare Plus plans.

Medicare Part D Prescription Drug Coverage

They can cover you for prescription drugs and checkups, among other things. The prescription drug part of the plan is going to cover you for a Medicare Part D plan.

This includes coverage for both generic and name brand products, so it can really save you some money.

Now, Part D coverage is fully optional, and you do not have to choose an Advantage plan that includes it.

You can just go with a basic plan or find one that offers coverage for the basic Advantage items and for your checkups if that is what you require.

Advantage plans will not be compatible with every medical insurance plan.

They work fine with Original Medicare, as an Advantage plan will actually replace that coverage plan.

However, many medical plans will conflict and overlap with Medicare Advantage.

That leaves you in a position where you have to pick between one plan or the other.

This occurs with every Medicare Supplement (Medigap) and most employer and union healthcare plans.

These simply will not work with Medicare Advantage, since they share some of the same coverage.

One kind of plan that could possibly conflict is Medicare Part D.

This is a prescription drug coverage plan that is sometimes included in Medicare Advantage.

If it is included, then you obviously could not sign up for a standalone version at the same time.

You will have to choose between the included one or the standalone plan.

Of course, you could always change your Advantage plan to be one that doesn’t include Part D, but bear in mind that it is usually cheaper to get an Advantage plan with Part D included than it is to buy the two plans separately.

These are economically priced, very limited network options that will only cover you within the carrier’s network.

The only time you can get coverage outside of your carrier’s network when you are on an HMO-type plan is when you are experiencing an emergency and you need to be transported to an off-network medical facility for treatment.

These are more expensive but will cover you in more locations.

They offer full coverage while you are on the network, but they can also provide partial coverage outside of the network.

This is the kind of option you might go with if you live outside of your carrier’s network area or if you tend to travel a lot and don’t know where you might be when you need some coverage.

These are your main network options, and there are some more, but you won’t see the other as often and may not be eligible for them either.

There is no need to pay for this kind of service.

Other sites will charge you money or add a fee onto your plan if you buy it through them, but we don’t do that.

This service is completely free of charge, and you can come back and use our site as often as you like. We hope you find a plan that saves you money and fits you well.

The more prices you compare, the better off you will be, as you will increase your chances of saving money.

You won’t know whether you got a good plan at a good price until you compare it to some of the other plans, and our site makes that a simple task to pull off.

We always supply you with a list of quotes for your area and the plan you searched for.

This helps you figure out what the best rates are and how much money you could save by choosing one plan over another.

The cost of Medicare Advantage for 2021 isn’t available yet, but you can expect it to be about $14 or so on average.

That’s across all the Advantage plans including basic and high coverage ones, so you can definitely find plans that are much cheaper or much more expensive.

They usually top out around $300, and there are some that are as low as $0 per month.

Of course, to make up for the low premiums, the insurance provider will charge a higher out-of-pocket deductible.

If you are in reasonably good health and don’t need to use the doctor or the hospital much for the year, then a higher deductible version of the plan you want could be a big money saver for you.

One Medicare option that people also choose, whether they are switching plans or new to Medicare, is one of the Medicare supplement plans in 2021.

These are different products than Advantage plans and offer outstanding coverage, especially for those not wanting a network.

In 2021 Medicare supplement plans (also called Medigap), will not have any changes and will continue to offer Seniors fantastic coverage.

Unlike advantage plans, Medicare supplements have no network and can be used nationwide with doctors, hospitals, and specialists that accept regular Medicare.

There are several different plan letters available for supplements, with really only a handful that most people enroll in.

As mentioned Medigap plans can be used anywhere, unlike the advantage plans which each have their own network.

Only emergency coverage is covered outside an advantage plan network. Therefore, if you travel quite a bit you might always be out of your own network.

Medicare supplement plans follow Medicare wherever it goes, and coverage can be used anywhere in the United States and most even provide emergency foreign travel benefits as well.

Medicare Supplement plans in 2021 are not changing benefits, and there are a number of options to choose.

Plans are lettered A-N with each offering it’s own unique set of benefits. While that might seem confusing, there are really only a few plans most people choose.

Those plans are Plan F, G, and N. We do not recommend people enroll in Plan F at this time, as it’s simply too costly with higher rate increases each year.

Below is a description of each plan to help you learn more.