Best Medicare Advantage Plans

You may have heard of Medicare Advantage plans and are wondering if these plans will give you the health coverage you need for your particular situation. We would like to give you some information of the best Medicare Advantage plans available. Many insurance companies sell these plans at different prices with many various options. We are going to help you see and compare these plans by going to our website and finding a chart that will list the companies in your area. This will definitely help make your decision on health insurance a lot easier.

You may be wondering just how much health insurance do you need and will you be able to find an Advantage plan that will be a good fit for you. Does Original Medicare offer enough medical coverage for you with a Medicare Supplement plan or do you want and need more? Advantage plans do have more coverage that those and you need to look into them to see if you want their benefits.

All the Medicare Advantage plans will cover your Medicare Part A and Part B urgent care and emergency room services. This will all be covered in the basic and least expensive Advantage plan.

When you look at some of the Advantage plans with greater services and reasonable low prices, you will see how complete the coverage will be for you. Your regular doctor visits, dental checkups, hearing test visits, optometrist appointments and basic medical services will be covered. Your dental cleanings, x-rays, and exams will also be included. Another feature many seniors like is being able to get your prescription eye glasses and hearing aids covered.

Medicare Advantage plans do cover the basic benefits of Medicare Part A and Part B, emergency care and urgent care and a complete Medicare Part D drug plan. This will help pay for almost all your generic prescriptions and some of the name brand ones.

You may think you don’t need all this coverage at this time in your life, so it would be a good idea to check out all the plans and see if you can manage the out of pocket costs without this insurance. You just might find an Advantage plan that will work for you. Talking with your doctor about your health issues may help in finding a plan that will cover it all for now and later if something happens with your health, you can always change your plan during the enrollment period. You can call us with your questions and we will be happy to help in any way we can. Our agents are very knowledgeable and want to help seniors find the best Advantage plan that will cover your medical needs and not cost you a lot from your budget with reasonable rates.

A network for a Medicare Advantage plan is a certain group of doctors, hospitals, medical clinics and pharmacies that the insurance companies has contracted with. These doctors and facilities will take your Advantage plan and pay for your medical services completely. When they are part of the network, you will not have to be worried about your expenses being taken care of, but if you use a doctor or facility that is not in your insurance company’s network, your medical costs will not be covered. Any facility that honors your particular insurance will accept your Advantage plan, as well as, Medicare if that is what you have.

If you live in a rural area and not near any of the facilities that are in your insurances’ network what can you do? A HMO is a basic Advantage plan with simple coverage and as said will cover you only in their network. This plan is standard, but will not take care of you if you use a doctor that is close by and not in network. You might need to consider a plan known as a PPO Advantage plan. This plan will also give you full coverage in the network and partial coverage when you need to use someone out of network. This can be what you may want, especially if you are fairly healthy and do not need much regular medical care. Your monthly premiums will probably be higher than the HMO plan and you will be covered for your medical issues when needed in more places.

Some people may find an Advantage plan called a PFFS plan more acceptable for their needs. This plan is devised to pay a predetermined amount for any medical service you may need if used out of the network. You will still get your medical costs paid for when you use anyone within the network. You will know from the start how much you will be paying out of pocket for the service, as the insurance will have a chart for the medical services and the prices that will be set. Some people who have to travel may fine this is the type of plan that they may need.

There is also an Advantage plan for people with disabilities or special needs. It is call a Special Needs Advantage plan and is only offered to people who have Medicaid and Original Medicare. You will need to find out if you qualify and need to have certain diseases and needs specifically outlined by Medicare. Please call us and we can help you find out if this is the type of plan that will work for your medical situation.

You may be wondering how much an Advantage plan is going to cost you. You might already have health insurance coverage and want to stay in the same price range or can afford to pay a little more each month. A Medicare Advantage plan may give you more coverage than you now have and you will want to know how much more your monthly premiums are going to increase.

We can help you find that out right now if you go to our web site and look on the chart to find what is being offered in your area. You will need to put in your zip code to see the chart for your state. Most of the major insurance companies and the plans they sell will be listed there. Companies like Blue Shield, AARP, Mutual of Omaha, Aetna, Humana and more will be on the chart. Whatever companies are selling Advantage plans will be found and the rates they are charging. Not all insurance companies have to offer all the plans. You will need to compare the plans and the rates they have listed on the chart. Once you find a plan to your liking, then you can compare the rates and see what you wish to pay and be able to make a more informed decision. Please feel free to call us and we can help make your decision easier. We do not charge anything for our advice and are happy to help.