Your insurance plan could cover the majority of your medical expenses, particularly if you choose a Medicare Advantage plan. These plans are perfect for Medicare subscribers who need extensive coverage, and they are available from AARP. The AARP Medicare Advantage Plans for 2018 may be worth looking into if you feel like your Medicare plan is leaving you with too much to pay out of your own pockets.
Before you purchase any Advantage plans, though, even ones from AARP, you should know a few things about them. You don’t want to rush into a plan and regret it later, wishing you had chosen something different.
AARP is worth noting because of their long history in serving seniors, both with paid and free services. They do a lot for seniors and their insurance plans are as robust as anyone else’s. You might find cheaper prices elsewhere or better coverage from similar plans offered by their competitors, but you are not likely to find better member benefits. AARP can pull from their vast library of services to make signing up for one of their plans very worthwhile.
The Advantage plans all come with some base coverage, plus some extra added on. The base coverage consists of emergency and urgent care coverage. That’s going to cover a lot of your emergency room expenses and treatment at urgent care facilities. Most of the Advantage plans also come with prescription drug coverage, known as Medicare Part D. If you already have a Part D plan, you will have to cancel it to add one of the AARP Medicare Advantage Plans for 2018 to your list of coverage.
There may be additional coverage for Advantage plans as well, but that can vary from plan to plan and from provider to provider. Most insurance companies offer a few different Advantage plans, all with some minor differences in coverage. It’s worth noting what they all offer and comparing them to find the most suitable coverage for you.
All of the Advantage plans operate on a network as well. If you go with AARP, you can enjoy one of the most extensive networks around, since they are one of the biggest insurance companies in the world. The network is made up of all the hospitals, doctor’s office and clinics that have agreed to take on or accept the insurance company’s coverage. Going to one of these network facilities gives you the full coverage of your plan. If you go outside of the network for your care, you might not get any coverage at all. It simply depends on what kind of plan you chose.
If you chose a PPO plan, then you get partial coverage off network and full coverage on the network. For HMO plans, you can only get coverage at network facilities.
You want to keep all this in mind as you examine the AARP Medicare Advantage Plans for 2018. You can save money on your medical expenses by choosing the right one.
Compare Plans for 2018