Medicare Advantage Plan

Acquiring a Medicare Advantage plan will enable seniors to have a more abundant Medicare coverage than Original Medicare. A good amount of money can be saved for what an Advantage plan covers and this is exactly what a senior citizen needs. You will hear about the Medicare Advantage plans and how much they will cost your monthly budget.

One thing you will need to know is what medical costs will actually be covered for you. These plans cover many medical issues and are very complete. Some people may find that they will have to pay some of their medical bills, but this should not be a considerable amount and the coverage will still be adequate.

Besides Original Medicare being covered in these Advantage plans, you will find there are added benefits that will be available to you. Medicare Part A and Medicare Part B within these Advantage plans are fully covered and beyond that, an Advantage plan will cover more medical matters.

All that follows will be included with your Advantage plan:

• Physician appointments
• Surgery
• Hospital visits
• Emergency Room care
• Nursing home care
• Critical care emergency
• Medical physicals
• Ambulance transportation
• Dental visits and cleanings
• Some medications
• Medical treatments

The basic Medicare Advantage plan will cover all this and much more. You will also have coverage for prescription eyewear and hearing aids. One other Advantage plan would cover your prescription drug costs and regular checkup visits, such as your dentist, optometrist and audiologist. You will have generic and some name brand drugs paid for with this plan.

When trying to get health insurance, it can be a daunting task and worrisome for what you may have to pay to get sufficient medical coverage for all your needs. That is where an Advantage plan comes in, with abundant coverage at a very reasonable cost, to add to your monthly bills. Many insurance companies sell Advantage plans and they are competitive with their rates, so it shouldn’t be difficult for you to find a plan that is right for you. We have a great website that you can look on anytime and see what plan you might like and the rates as well. Our site will show you the various insurance companies and their rates, so you can have the information to make a sound decision.

Each company may have different extra benefits such as AARP or Aetna which offers the Silver Sneakers program. But they do have distinctive rates for these Advantage plans that can save you a great deal of money, depending on which plan you choose. On our website you will find a chart with the many insurance companies and the daily rates, so when you check back periodically, you can see if there are any changes in the policy you might be interested.

Advantage plans are easy on your pocketbook and some may not even have a monthly cost or they may not have an annual deductible. This can be such a savings for a senior who must live on a fixed income and to be careful where their money goes. When going onto our site, you will have no obligation to purchase anything and can visit as many times as you wish. We are here to answer your questions and help you find the most affordable Advantage plan for you.

Advantage plans also have the Medicare Part D plan within the policy. Medicare Part D helps to cover prescription drugs and this, alone, can save a senior a significant amount of money. As seniors age, they may find they have multiple medications they are required to take. Having a prescription plan to help with the cost of those drugs is terrific. Medicare Part D is included in the Advantage plan, but may not pay the total amount of certain medications. Most likely will pay 10%-50% of those drug costs. Since drug costs seem to accelerate every year, having help paying for them is ideal. Over time, you will experience much savings on your prescriptions.

You need to be mindful of another part of a Medicare Advantage plan. Every insurance company that has an Advantage plan will work with certain doctors, clinics, pharmacies and hospitals that are included in their network. These doctors, etc. work with the insurance company to serve you. You will get full coverage, as long as, you use them completely. If you choose to see someone that is not connected to your insurance’s network, you will have to pay for the medical service rendered out of your own pocket. That is why you need to check out all the insurance companies’ network, to see if the physicians you are used to are on their list. Sometimes you will have to change your priorities and get the insurance that fits your budget and area where you live.

There are some other Medicare Advantage plans that may suit your needs better. The basic plan is known as a HMO. The next plan is PPO and will have a higher annual deductible and cost more each month. You will also be covered within the network, but it will partially pay for service outside the designated network. Wherever you get treated, you will be covered by your insurance, no matter what, but sometimes you might have to pay some of the bill.

Various insurance companies will also sell another Advantage plan call a PFFS that will cost you less. These plans will pay a fixed amount for each particular medical service administered outside of the network and no more. This can be an ideal plan for those who travel and sometimes need to go see a physician away from home. They will still be covered by their insurance.

You may have questions or are not feeling you know enough to make a decision on an Advantage plan, feel free to call us anytime. We are always here to help you with your insurance needs. We have knowledgeable insurance agents to aid you in your quest for affordable health insurance that will fit within your budget. As we said before, our website is there for you to check the current rates on these Advantage plans and help you throughout the year. Call us and we will be able to guide and help you have peace of mind about your medical needs.