Top 3 Benefits of a Medicare Advantage Insurance Plans

Benefits of  Medicare Advantage Insurance Plans

Are you considering a Medicare Advantage Insurance plan now for your Medicare insurance needs?  There are  three different ways to cover your health and drug expenses once you turn 65.  You also qualify if you are over 65 and leave an employer’s plan.  In some states, even if you are under 65 but you are legally considered disabled by the Social Security Administration, you may also be eligible for  Medicare Advantage or a Medicare Supplement Plan.  I am happy top help you research and decide which plans you may be eligible for.

The differences in these plans are huge.  So, don’t just rush into any plans without understanding what each one will cover for you or your spouse.  It may be too lat to change later down the road.

Medicare Part A and Part B – Limited Coverage

Once you are eligible for Medicare, a simple way to cover your health needs is Medicare Part A and Part B.  Medicare part A covers some hospital charges while Medicare Part B covers some doctor charges.

It is likely free for you if you or your spouse has been paying taxes for 10 years or more.  Medicare Part B has a premium that is dependent on looking back 2 years at your income.  This premium changes ” usually” annually.

Although the increases I have seen year over year have been minimal.

If this is all you choose to cover health and drug expenses, you might be in for a big surprise as to what it does and does not cover.  There is a number of non-covered expenses or expenses  beyond what Medicare pays.  Claims are paid for by Medicare directly.

Medicare Advantage Insurance Plans

Medicare Advantage plans can be purchased through traditional insurance carriers such as AETNA, Humana, Blue Cross Blue Shield,  and many others.  In fact if you watch TV at all your  almost always guaranteed to see at least one TV commercial for a Medicare Advantage program.  However buyers beware with Medicare Advantage Plans.  A Medicare Advantage Insurance plan essentially replaces the Medicare government agency and your claims are paid for by an insurance carrier.

Zero premium Medicare

You have probably heard about some Medicare Advantage Plans with “zero premiums.”  But it’s important to understand what this means in terms of deductibles, co-insurances, and especially local and national networks if you travel at all. Many companies that offer the Advantage program offer these plans on an HMO level.  This is very important if you want or need to see a specialist or go to a specific hospital.

The most important element of a Medicare Advantage plan is to understand the network of facilities and doctors you would have access to both now and in the future is something major happens to you.  If you travel especially look at how a Medicare Advantage program would cover any expenses.

Yes there are many carriers that offer a ” free ” Medicare Advantage Insurance plan. These type of plans are referred to as a Zero premium Medicare plans. There are also some Medicare Advantage Insurance Plans that offer a program with a charge.  So, the best way to review the different premiums and costs is to call me directly.  I do have access to all the plans in your particular area.

It pays to compare.

Together, we will discuss your carrier options, networks, and benefits.  I offer an exclusive Free Consultation to discuss, review and even enroll into the best Medicare Advantage Insurance Plan or Medicare Supplement Insurance Plan for you.

Schedule your exclusive free consultation by calling me now at 877-549-1212.

I have been helping people navigate, understand, and enroll in the right Medicare Insurance plan for over 30 years.