Medicare Advantage Plans
While you may be familiar with Medicare’s basic plan, you may not be as familiar with the Advantage plans it offers. We’re going to look specifically at Medicare Advantage for 2018 and why you should consider one of these plans for your medical coverage needs.
What Is Medicare Advantage?
You might gather it from the name, but Advantage plans are ones that provide you with even more coverage than what you would find in the basic Medicare parts A and B. The Advantage plans are considered Medicare Part C, but you don’t add them on to the basic parts. You have to purchase Advantage plans separately, but not through Medicare.
That may be confusing for some Medicare subscribers, but a lot of the additional plans that you can buy for Medicare aren’t something that can be purchased directly through Medicare. Instead, you have to go to private insurance companies to get these plans. Medicare Advantage plans in 2018 fall into that classification as well.
What that means is that there are lots of different choices when it comes to Advantage plans. You can find various process on the same plan and different networks that will determine how wide your coverage area is. You’ll want to examine and compare both of these aspects of Advantage plans before you make your final decision on one of them.
Advantage plans cover all of Medicare parts A and B. That’s why you cannot have an Advantage plan in addition to the basic parts of Medicare. But it also covers you for additional medical costs. It gives you an advantage over the basic plan.
What are Medicare Advantage Plans?
Medicare Advantage plans aren’t like the other parts of Medicare. They can stand on its own and still provide great coverage. Its coverage is so extensive that you can’t have any other Medicare plan at the same time you have a Medicare Advantage plan. So what are Advantage plans? The offer the fullest coverage single plan that is available that is part of the Medicare program outside of Part A and Part B.
But you won’t be able to buy it from Medicare directly. While Medicare is in charge of the plan, designing it and regulating it to ensure the coverage is being honored, they don’t actually sell this plan. They allow private insurance companies to sell it instead.
Now that opens the door for competitive pricing, which is something that Medicare doesn’t get involved in. The insurance companies can sell Medicare Part C for the price they want to. This creates the very real possibility that you could pay far too much for the plan. But it also means that you can get a really good deal on it if you look hard enough.
But price comparisons aside, Medicare advantage plans offer a lot of value. Its coverage is more than any single Medicare plan, which makes it perfect for people who have a lot of medical needs and thus a lot of medical expenses. This plan may be right for you, but you have to look at your situation closely to determine that. Think about how well the basic Medicare plan fits your medical needs. Does it leave a lot left for you to cover on your own? If so, then you may want to consider an advantage plan.
You also need to know about networks, because they play a large role in how Medicare advantage plans work. They also help you determine which insurance company to go with for your plan.
So every insurance company out there that sells Medicare Advantage plans has a network. This is all the hospitals, all the clinics and all the doctor’s offices that agree to take on their medical insurance plans and honor them. Every company has a different network, and that’s very important to know.
If you have to go to a hospital for medical care and that hospital is part of your insurance company’s network, then you will receive the full coverage of your plan. If you go somewhere else, somewhere that isn’t a part of the network, then you may not receive any coverage. Whether or not you receive coverage and how much you get will depend on the plan you chose. There are a few different Medicare Part C plans, and the way they work with their networks is quite different. You will want to look into HMOs, PPOs and other types of Medicare Part C plans before you make your decision.
Medicare Advantage plans are medical coverage plans with lots to offer, and you should definitely consider it if you have serious medical needs.
Networks and Advantage Plans
Medicare works pretty much anywhere. Most healthcare facilities will accept Medicare, at least in part. Advantage plans are not so widely accepted. Each one is subject to the network of the insurance company that sells it. So if you choose to go with an Aetna Advantage plan, then you can only receive full coverage at one of the hospitals, clinics or doctor’s offices that are on Aetna’s network. These are healthcare facilities that have agreed to accept that plan from that insurance provider. If you go anywhere else, you will be off network and you may not receive any coverage at all.
How much coverage you get will depend on which of the Advantage plans you chose. There are HMO plans, which only give you coverage at approved facilities (or those that are part of your provider’s network). Then there are PPO plans that give you full coverage at network facilities and partial coverage everywhere else.
These are your two main choices, and there are others too, but they are not something you will see as often. Odds are, you are only going to find or be eligible for either a PPO or an HMO Advantage plan.
AARP Medicare Advantage Plans 2018
When it comes to medical coverage, you want to make sure you are getting a great value for your money. Medical care can be quite expensive, but so can insurance coverage for that care. Using one of the AARP Medicare Advantage Plans for 2018, you may be able to save money on the medical care you receive.
You never want to sacrifice on essential care just because you think you may not be able to afford it. Be sure you are getting the care you need, then find a plan that can provide coverage for that care. Not every plan can do that for you, so you should look through what is available. AARP may have the largest range of plans out of the many insurance companies that sell them. They tend to be more expansive and far reaching than other insurance companies, so their offerings may be more varied.
They are also known for their excellent healthcare services for seniors, providing advice and options to those who need it. This is one reason why many people choose AARP over many of their competitors. There are likely insurance companies selling the same plans for cheaper prices, but it is AARP customer service and ancillary services and options that appeal to many consumers. They also trust in the company’s stability to keep providing them with coverage for years and even decades to come.
The AARP Medicare Advantage Plans for 2018 will operate on a closed network. For PPO plans, that network is just as closed as it would be on an HMO plan. The difference is that if you go off network for your care on a PPO plan, then you will still get at least some coverage. This partial coverage will be more than the zero coverage you would get with an HMO plan from AARP. That’s why HMO’s tend to be less expensive, but it’s up to you to decide which kind of network plan you want.
You should take time to consider all your options. Even within AARP, you have a lot of choices, and these can affect how much coverage you get and where you have to go to get that coverage for years to come. Choosing the right plan and the right network is very important, so take your time in doing that. If you start to plan now for 2018, you can be sure you are making the right decision, because you will have been preparing for it for a long time.
Many people manage to save money by signing up for Advantage plans, but these are only the people who have carefully compared what the plan offers to what they actually need. You may not need the same coverage as other people, and your needs may be different from the average person. If you take the time to really look at what your needs are and how these plans line up with those needs, you may be able to save a lot of money as well.
The AARP Medicare Advantage Plans for 2018 come with lots of potential. You just have to know what you need from them and what they can do with you to unlock that potential.
View Plans Now
BCBS Medicare Advantage Plans 2018
BCBS (Blue Cross Blue Shield) has been an important insurance company for decades for those needing affordable healthcare coverage. Their BCBS Medicare Advantage Plans for 2018 are sure to be popular plans among many Medicare subscribers in the coming years.
BCBS operates Inn all 50 states, and it uses smaller insurance companies under various names to sell its plans and provide its policies. These companies operate under BCBS’ guidelines, and they follow pricing standards set by the parent company. So even if you get your insurance through a subsidiary of BCBS, you should still be able to get the same service and rates that you have come to expect from them.
The Advantage plans they sell are determined by Medicare. It is Medicare who decides how much coverage each plan should have, but BCBS and other private insurance companies get to decide how much to charge for those plans. The cost varies to, and you won’t find a standard price among the various insurance companies or even form state to state. BCBS will have different rates depending on where you live and which plan you buy.
With one of their Advantage plans, you can enjoy coverage beyond what Medicare gives you on a basic plan. You will find coverage for supplemental expenses, many times, which means the Advantage plans operate a lot like supplement plans. The difference between BCBS Medicare Advantage Plans for 2018 and Medigap plans is that the Advantage plans do not require that you have a basic Medicare plan.
If you do already have the original Medicare policy, then you will have to drop it to sign up for an Advantage plan. That’s because a lot of what they both cover is the same. Now the Advantage plan will go a lot further, but it covers too much common ground for it to make sense for you to have both plans. You will have to decide whether you want just an Advantage plan or a Medicare basic plan and a supplement plan. You can get about the same coverage either way, but one of them will probably cost you less.
It’s up to you to look at your options. Your insurance agent may be able to help you there, but you need to decide which plan will cover you the best and save you the most money. Ultimately, choosing the right plan comes down to which one is going to cost you the least overall. You may be able to save money with an Advantage plan or you may need to find something else for the best value. Take some time to figure it out. You will need time to sort through your options and make an informed decision. This is why we advise looking into 2018 plans right now. Just be aware that the rates you see now for the plans are likely to be higher by 2018.
It’s a good idea to examine the BCBS Medicare Advantage Plans for 2018 in order to compare them against the competition. You will want to know what your choices are before you make your decision and sign up for an Advantage plan.
Humana Medicare Advantage Plans 2018
All those who have Humana Medicare plans will now be getting those plans through Aetna. Humana will still exist, but the competitor acquired Humans earlier this year, making it a much larger conglomerate. This means that the Humana Medicare Advantage Plans for 2018 will have less competition than previous years’ plans have.
Medicare subscribers and those who are planning to sign up for Medicare will need to consider their options before they sign up for a plan. The Advantage plans from Humana may not be their best choice. Savvy Medicare subscribers will compare the plans and what they have to offer to the competition. The plans all have the same coverage, as Medicare picks out the coverage for itself. So it’s not like the best coverage is only found at one insurance company.
The differences between the various plans from the various insurance companies is the price and the availability. The networks these plans are on will all vary. That means that some insurance companies will offer their plan at healthcare facilities near you while others will not. Now these companies may expand their networks, particularly between now and the next couple of years. So just because a plan isn’t on a network that operates in your area right now does not mean it won’t be in the near future.
You can start to look at Humana Medicare Advantage Plans for 2018, even if they don’t have a network that is compatible with hospitals near you. They are always looking to grow out their networks and add more facilities to it. If you like Humana’s services and prices, then you should keep track of them as you plan for the insurance you will get in the future.
All savvy Medicare subscribers plan ahead for their coverage. They understand that their coverage needs are going to change because their medical needs change. They may get over an illness or may require more extensive medical care. These are needs that are not the same yea rover year, and they need to be able to adjust accordingly.
Using an Advantage plan, you can get more coverage than you would by just using Medicare basic. The plans come with coverage beyond the original Medicare plan. In fact, it is very similar to many of the supplemental plans offered through Medigap and similar added coverage plans. But you can’t keep Medicare basic if you have a Medicare Advantage plan. You have to choose one or the other, since they cover a lot of the same medical expenses. So make your choice based both on what you can afford and what you actually need out of a coverage plan.
While the price for Humana Medicare Advantage Plans for 2018 may not be available right now, you can look at what options Humana has available and compare them to the competition’s. The price for Humana Advantage plans is going to change between now and 2018, so if they end up landing out of your price range, make sure you keep your options open and consider trying to get the coverage you need elsewhere.
Aetna Medicare Advantage Plans 2018
You may be able to find just the medical coverage you are looking for with one of the Aetna Medicare Advantage plans being offered for 2018. These plans give you tons of coverage and come with lots of different coverage options; so, most people will have no problem finding a suitable plan for their situation and their healthcare needs.
You’ll want to look at all of these Advantage plans though. Despite their similarities, they each offer something unique. The closer your chosen plan comes to meeting your precise healthcare needs, the more money you will end up saving. Over time, those savings will really add up, and a well-chosen plan will become even more valuable. Now, you may want to pick a different plan at a later date, as your healthcare needs change and you need more or less coverage to suit your situation. It’s good to be prepared for those changing needs of yours, so you’ll want to stay up to date with your health status and what kind of coverage plans are being offered.
But what kind of coverage can you expect from these plans right now? Well, they all start out with some basic coverage and then add on to that in different ways. So, the basic coverage is for urgent and emergency medical care, as well as for Medicare’s parts A and B. You’ll probably recognize parts A and B as what makes up the original Medicare plan. As you can imagine, you need to be able to qualify for that basic plan before you can qualify for the Advantage plan.
So long as you qualify for Medicare, you also qualify for an Advantage plan, but that doesn’t mean you actually need one of these plans. The Aetna Medicare Advantage plans are extensive enough that they really are only applicable to people who have lots of healthcare needs. If you are one of those people who spends a lot on healthcare or who is at risk for serious medical conditions, then you need to consider these Advantage plans. They may have something you can use to lower your medical costs and ensure your healthcare needs are covered.
However, if you have certain types of Medicare plans, you may have to get rid of one of them before you sign up for an Advantage plan or shortly after you sign up for that Advantage plan. That’s because Medicare does not permit you to have multiple plans with the same medical coverage. If your Medicare Advantage plan, for example, covers prescription drug costs, and you are also signed up for Medicare Part D, then you will have to drop one of these plans. Their coverage overlaps, and you are paying twice for the same coverage.
This applies as well to Medicare Supplement plans, such as Medigap. If you have a Medigap plan and a Medicare Advantage plan, then you have to drop one of these as well.
You honestly don’t need any other Medicare plans once you have a Medicare Advantage plan. They cover so much that there isn’t much left over for any other plans to cover for you. Once you are signed up for one of the Advantage plans, then you will be mostly covered for about any medical expense you could accrue.
The Aetna Medicare Advantage plans 2018 come in a few varieties. They are all worth considering, if you feel you may need the kind of full coverage that an Advantage plan provides. By choosing the right plan with the exact kind of coverage you need, you can cut your costs on healthcare considerably.
Planning for Your Future
Medicare Advantage for 2018 is something you want to be looking into if you think you will need more coverage in the coming years. You may not need additional coverage right now, but you definitely want to be planning ahead and thinking of your future. You should know what kind of coverage you will need long before you need to sign up for it.
If you start looking into Advantage plans right now, you can get a good idea as to which of the companies that sell these plans are going to give you the best rates and the best customer service. You can look at the prices on their plans and their customer satisfaction records to sort the good ones from the ones you would rather avoid. Doing this research now and getting familiar with the plans and providers will save you a lot of trouble later. It will also make sure that you are prepared to get the best deal and not be cheated out of your money by high-priced plans that aren’t any better for you than the inexpensive ones.
It’s never too early to look at your coverage options. If you already have an Advantage plan, then you ought to be looking at your other options still. Consider whether you have the best plan for you and whether your current insurance company offers you the most comprehensive network. Are you getting coverage where you are at or do you need to switch companies to get that essential coverage?
If you will be living somewhere else in a few years, then you may want to change up your Advantage plan or medical coverage plan at that point. You need to find a plan that will work with where you live, giving you coverage at medical facilities that are close to where you live. That way, you can save the most money and have a plan that is adapted to your situation.
Get the Right Plan at the Best Price
A lot of Medicare subscribers feel like they could do better than the plan they have right now. They feel like they pay too much money or that they aren’t getting adequate coverage. If you don’t want to be among them, then you need to do something about your coverage plan. We are here to help you with that.
Using our website, you can find out what the rates are for the Advantage plan you want to buy. You may not know what the market average is for such a plan, but our site can help you figure that out and find lower than average prices. That’s because whenever you search for the cost of an Advantage plan on our website, we give you a few different quotes, not just one. You can compare them to find the best price.
You won’t ever have to pay for this service, but that’s not the only resource we offer. We also give you the opportunity to sign up for the plan you want right through our site. You can find great prices on Medicare advantage for 2018 and then sign up for the plan of your choice all through our website. You can get everything you need in one place, saving you time, money and effort.
Start Looking Now!