Medicare Advantage – Information About Medicare Advantage Plans

If you’re looking for Medicare Advantage Plans and  eligible for Medicare, the basic coverage simply isn’t good enough. You will need all of your bases covered in order to make sure you don’t get blindsided with a bunch of expensive out-of-pocket costs…

…And here at Medicare Advantage Today, we’ve got you covered! Medicare Advantage is designed to give you maximum coverage – without making you spend maximum money. However, the competition that surrounds these plans is intense. It seems like every big insurance company out there is touting its Medicare Advantage Plans as the best. If you’re on Medicare – or about to become eligible for it – you’ve probably already started getting bombarded with mail and advertisements to sign up for a Medicare Advantage Plan.

How Do You Make Your Way Through The Medicare Advantage Maze? Where Do You Start?

Before you start comparing plans, looking at premiums, and evaluating all the different coverages, you need to understand the ABC’s of Medicare:

• Medicare Part A deals with hospital insurance. Part A benefits will cover your hospital stays, inpatient rehabilitation costs, nursing facility costs, and home health care costs. Part A coverage is typically “premium-free”, because it’s what your money was going to when you paid Medicare taxes on each of your paychecks.

• Medicare Part B deals with medical insurance. Just about every time you go to the doctor or get preventative care, you’ll be covered under your Part B benefits. Some people qualify to get Part B coverage for free, while others have to pay a premium each month. Both Part A and Part B coverage are handled directly through the federal government.

• Medicare Advantage Part C is what you’re dealing with when you get a Medicare Advantage Plan. It is similar to traditional HMO and PPO insurance plans – meaning that you will have a network of doctors and facilities that you’ll have to go to if you want coverage. Part C benefits cover your medical and hospital benefits. But instead of dealing with the government (like you would under traditional Medicare coverage), Part C plans are provided by pre-approved private insurance companies.

There are many different types of Medicare Advantage Part C Plans available:

• Health Maintenance Organization (HMO) Plans

• Preferred Provider Organization (PPO) Plans

• Private Fee-for-Service (PFFS) Plans

• Special Needs Plans (SNP)

And here are a couple of the less common types of Part C Plans that may be available to you as well:

• HMO Point of Service (HMOPOS) Plans

• Medical Savings Account (MSA) Plans

When you sign up for one of our Medicare Advantage Plans, you will get your ABC’s rolled into one comprehensive plan…

…And to make things even more affordable for you, make sure you also consider Medicare Prescription Drug Coverage Part D – also known as Part D.

Can Medicare Advantage Really Save You Money?

Absolutely!

You may think that traditional Medicare coverage is the best way to go because some of it is free, and it all comes directly from the government. However, there are a lot of expenses involved that you probably don’t know about. Under traditional Medicare coverage, you wind up paying for:

• Deductibles

• Coinsurance

• Copayments

Did you know that traditional Medicare only pays for 80% of your medical expenses? That means you are responsible for footing the bill for the remaining 20%. If that doesn’t sound so bad, consider how much you would have to pay if you got seriously sick or injured. That 20% could turn into a massive expense that could ruin your finances forever!

So, How Does Medicare Advantage Help You?

These plans are designed to help you pay for that 20%! By having a private insurance company to help foot the bill, you’ll wind up paying far less out-of-pocket…

…It’s like having a trusted friend in your corner, looking out for YOUR interests!

A good Medicare Advantage Plan will pick up the majority of the costs for the 20% of medical expenses that you’re responsible for. Like a traditional health insurance policy, you will pay monthly premiums in exchange for coverage. You’ll still be responsible for some of your medical bills, but, when you have Medicare Advantage coverage, you don’t have to worry that a trip to the hospital or a scary diagnosis is going to send you into a financial black hole.

But How Much Does Medicare Advantage Cost To Get This Kind Of Help?

The experts at Medicare Advantage Today can help you answer that question!

While a specific price will depend on the insurance plan you get, Medicare Advantage costs less than you might think. We can provide you with a Medicare Advantage Plan that offers low monthly premiums – and, in some areas, we can even provide you with a plan that comes with no monthly premiums!

What Can You Expect From A Medicare Advantage Plan?

First and foremost, it’s important to remember that these plans are not the same as Medicare supplemental insurance. Each plan is its own stand-alone insurance policy.

Every plan has its own different features, but, in most cases, you can expect your Medicare Advantage Plan to come with:

• Low monthly premium payments

• An annual deductible

• Copayments and/or coinsurance

• Specific plan rules, like an approved network of doctors and facilities

• Extra benefits – like vision and dental coverage, hearing benefits, or health and wellness programs – that are either included for free or can be added to your plan for an additional fee

• An annual limit on your out-of-pocket expenses

• Coverage for emergency and urgent care services

• Hospice care benefits

• Prescription drug coverage

Why Should You Buy A Medicare Advantage Plan Through Medicare Advantage Today?

Because we are dedicated to making things easy for you!

Instead of dealing with expensive out-of-pocket costs and a sea of bureaucratic red tape, we will take care of the details and provide you with an affordable plan and extensive coverage. We know how frustrating Medicare can be. That’s why our team of experts is specially-trained to make things as easy as possible.

There are countless Medicare Advantage Plans to choose from – and we’ll help you compare them all, so that you can make an informed choice. In fact, we have a team of Senior Benefit Advisors that are standing by from 8:00 AM – 9:00 PM Pacific Time, ready to answer all of your questions! We can answer any basic questions you may have, or we can help you navigate your way through the specifics.

When you call, the Medicare Advantage Today team can check to see if your current doctors will be included in your plan, and they can make sure that all of your current medications will be covered in your plan. That way, you will know exactly what you can expect BEFORE you sign on the dotted line!

But What If You’re Not Ready To Buy Medicare Advantage Just Yet?

That’s OK, too. The team at Medicare Advantage Today can still help you!

If you simply want to learn more about how the Medicare Advantage process works, take a look around our website. We have articles and resource materials that will provide you with the latest Medicare news and developments. Plus, our licensed Medicare advisors will be happy to answer all of your questions – without trying to sell you anything…

…How can you beat that?!

Take The Next Step To Medicare Advantage Today!

Here at Medicare Advantage Today, we don’t believe that keeping yourself healthy should cost you an arm and a leg. With one of our Medicare Advantage Plans, you can make your medical expenses more affordable. So give us a call today Toll Free at 1-800-350-5358, or fill out the form on our Contact Us page and see what our team of experts can do for you!