Medicare Advantage Plans

The highest medical insurance plan you can get is called a Medicare Advantage plan. Many seniors have several medical issues and daily health expenses and an Advantage plan can assist with these problems. Especially since Original Medicare alone will only cover just so much of the costs. A Medicare Advantage plan will help a senior to get excellent benefits and they will be able to save a great deal of money in the process to ease their minds as well.

The Original Medicare coverage will be included within the Advantage plan as well as many other benefits. Some of these added expenses covered are ambulance transportation, emergency room care, medications needed immediately, some surgeries and lifesaving treatments and more. As we have said, an Advantage plan covers what Medicare does, but not hospice care, as Medicare takes care of that.

Another benefit that seniors will like is the Advantage plan will take care of a seniors prescription drugs that might be generic or name brand. This is known as Medicare Part D of the plan. Many Advantage plans have this coverage, which may be essential to most seniors and a big priority.

Another great benefit is some Advantage plans will take care of dental visits and cleanings, an audiologist, optometrist and regular doctor visits. Your coverage for these practitioners will include a few visits per year.

There are several special kinds of Advantage plans that we would like to tell you about. Every Medicare Advantage plan will have contracts with certain physicians, pharmacies, health facilities and medical clinics and this is called their network and these facilities accept their Advantage plans. All the insurance companies that sell Advantage plans have their own networks they work with. Using a pharmacy within the network, will give you all the coverage your Advantage plan offers. If you chose to use a facility that is not within your policy’s network, you would not have that coverage and will have to pay the expense out of your pocket.

There is a plan that can give you partial coverage, if you have a need to go out of the network and that plan is known as a PPO Advantage plan. This plan will have a higher premium, but will give you complete coverage within the network and pay a portion of medical expenses outside of the network.

A HMO advantage plan is the basic plan for seniors. You will need to participate within the network for full coverage. Outside of the network will cost you the full medical charge. The premium will be less and some seniors find this to be acceptable for them.

A PFFS Advantage plan will also give you complete coverage within the network, but will pay a set price for anything you may need from someone outside of the network. Some people find this works better for them, as they may not have any facilities close to where they live.

Some people may have special needs and there is an Advantage plan for them. They must have Medicaid and Medicare and need to qualify to acquire this plan. It has less costly monthly premiums. If you think this plan might be the best for you, please call us to help you see if you are eligible. We have qualified insurance agents here to help with any questions you may have.

There are many insurance companies selling these Advantage plans and they all have different prices. An Advantage plan is regulated by Medicare, but the cost of these plans is determined by each individual insurance company. We would like to tell you about some of the companies and what they offer.

AARP United Healthcare is consisted of two companies put together to offer the best health coverage for seniors. They have a very large network and many benefits available. Some of their plans may seem more costly, but you need to see what is included in their plans. You can visit our website to see what they offer.

Aetna is another insurance company that has reasonable costs and very nice benefits to help a senior stay healthy. They offer a fitness center membership, diet counseling, personal trainer and you will be able to contact a medical professional on the phone 24/7, about any health issue you may have concerns about. They are one of the largest medical insurance companies in the United States.

Humana is an insurance company dedicated to their customers. They have made many changes to their policies to accommodate their clients to make these plans fit their needs. They have a great selection of plans and offer inexpensive prices for them as well. They have some great perks, but they may be only available in certain areas.

Blue Cross Blue Shield also offers reasonable rates for their Advantage plans. They take good care of their clients and appreciate all of them and provide excellent customer service. You need to check out the benefits they have to offer and see if any of their Advantage plans will be good for you.

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Most seniors want the best health plan for the lowest price. We have an excellent website where you can see several insurance companies, their policies and rates. This will help you get an idea of what is being offered and how much it will cost you every month. You do need to know that the rates will depend on where you live. Each state will offer the same plans, but the costs will apply to your particular state. You will need to put in your zip code and we will show you the plans and rates for where you reside.

Medicare Advantage plans can cost anywhere from $0 to $100 a month depending on where you reside. But most important is which insurance company you decide to use. They can determine what the cost will be for their policies. So it is wise to really look at what is offered by each company and how much you will have to pay monthly. You will be eligible to get an Advantage plan when you become 65 and that is the best time to sign up. Waiting too long beyond that time period, may causes you to have more costly premiums.

We are always here to answer any questions you may have about the health insurance coverage for all the Advantage plans. Our agents are very knowledgeable and are here to help. Check out the website to see what is available and check back often, because throughout the year, there may be changes to policies and rates. You will want to know if there is anything different with your health insurance.