Aetna Medicare Advantage Plans
Part C of Medicare gives seniors coverage for most all of Medicare parts A and B, sometimes even combining Part D. Put that together and you get a powerful health insurance plan with coverage enough to give anyone peace of mind. This is what the Aetna Medicare Advantage plans have to offer, and they are worth a look for any senior trying to minimize their medical expenses.
We know how costly medical care can be, especially as a senior. We have been in the health insurance industry for a long time, and we know that Medicare Advantage plans offer the most coverage out of any plan that seniors have open access to. Once you turn 65, your options for medical coverage open up, and Medicare Advantage gives you the biggest set of benefits out of any of the Medicare plans. It’s more coverage than Medicare Supplements or Original Medicare, so if you want some serious coverage, then this is the way to go.
Compare Medicare Advantage Plans 2021
How You Will be Covered
text change here
So, what kind of coverage would a Medicare Advantage plan provide for you? Well, you get coverage for Medicare Part A and Part B expenses like hospitalization, blood usage, nursing services, doctor’s visits, some medications and various tests and other common medical costs. You also get covered for any emergency care you need, like ER services and ambulance transportation costs. Even urgent care is covered, which can include all sorts of medical costs and services depending on the situation.
Aetna’s Advantage plans often come with powerful prescription drug coverage in the form of a Medicare Part D plan. This can be included in your Part C Advantage plan coverage, making for a very powerful and expansive package. Part D coverage can include discounts on generic and name brand drugs, cutting your medication costs considerably. How much you will be covered depends on which Part D plan you get, as they are all different based on the provider you buy yours from. There is no guarantee that the drugs you use will be covered under your Part D or Advantage plan, so check to see what is covered and if it is applicable to you first.
You can also get coverage from the Medicare Advantage plan for your routine checkups. Those visits to the audiologists, dentist, general practitioner and the optometrist can be covered, including multiple visits a year. Cleanings, eyeglasses, x-rays, hearing aids and more can all be covered by the powerful benefits you get in your Advantage plan.
Aetna Has You Covered
Aetna offers a substantial lineup of Medicare Advantage plans, and you can choose yours based on what you can afford and what you need to have covered. Aetna will not be able to offer you full coverage everywhere. There will be some medical facilities like clinics and hospitals that do not honor their plans and therefore are not part of Aetna’s network.
The standard Medicare Advantage plan is known as an HMO, and this covers you solely within Aetna’s network. Going outside the network requires that you pay for yourself any medical care received. The HMO Advantage plan is affordable and limited and is therefore a simple choice that is very popular among Medicare subscribers.
Aetna also offers a PPO plan, which will give you greater medical insurance protection. It covers you fully on the network like the HMO does, but then it also covers you partially outside the network. You will need to pay a higher monthly premium for that level of protection, though.
HMP-POS plans will cover you fully on the network too, and then you can get coverage for certain medical expenses outside of the network. This can be useful for when you only occasionally travel outside of your insurer’s network.
These kinds of Aetna Medicare Advantage plans are available to most seniors who are 65 or older. If you qualify for special needs, though, and you have Medicaid and Medicare, then you can get a Special Needs Advantage plan. This will cover you even better and come with a very reasonable monthly premium to pay, so you should definitely check to see if you are eligible for it.
To find out what you are eligible for and if you may be better off with one plan over another, you should talk to us or a medical insurance agent to find out. We are happy to answer questions and get you started on the right track to choosing a suitable medical insurance plan.
Compare Medicare Advantage Plans 2021
Enrolling in Aetna’s Plans
Would you like to know how to sign up for one of the Medicare Advantage plans that Aetna sells? All you need to do is wait until you are 65 and then apply for the plan that you want. You will need a Medicare plan as well. Advantage plans do not work without Original Medicare, since the Medicare plan covers a few things the Advantage plan doesn’t.
You have a six-month period to enroll in a Medicare Advantage plan around your 65th birthday, but don’t worry if you miss it. You can always sign up during the enrollment period that rolls around once every year. This starts on October 15th and lasts all the way until December 5th. Just be warned that if you enroll after your initial enrollment period, then you will have to pay more for your plan.
If you want to save some money and find the best possible price for Medicare Advantage, then we recommend that you use our site to source some quotes. You can get a list of quotes from us at no cost to you. Just perform a search here and see how the different medical insurance providers compare. You can see what price Aetna charges as well as the rates for the same plan from other insurers. We only give you local results, since the price of medical insurance changes from one part of the country to another.
Medicare Advantage plans can be very affordable, but you may end up overpaying if you sign up for the first one you see and don’t bother to look at some different options. The more quotes the you source, the greater your chances of finding a good deal will be.
Do You Need an Aetna Advantage Plan?
Medicare Advantage might not be for everyone, but you have to consider whether it is personally right for you. Will it be something that you can afford and will it cover you for those medical expenses that you are paying for out of pocket? Maybe you have a medical insurance plan right now but think that there might be a cheaper way to get that coverage and more.
Aetna’s Advantage plans or Advantage plans from another provider could be the answer. You will need to assess your coverage needs to find out. Determine if you can benefit from all the coverage that Medicare Advantage has to offer. You may find that this kind of plan could save you some money, after you do some searching and look at your options.
Aetna Medicare advantage plans are available for seniors to enroll in once they hit age 65. If you are going to be eligible soon or are already eligible, then you should at least look at these plans and what they cover. Check the prices here on our site to see if one of these health insurance plans could be affordable for you.