Seniors in Pennsylvania can benefit from Medicare Advantage plans and the powerful coverage that they have to offer. These are plans sold by private insurers that can cover the cost of visits to the hospital, emergency room, clinic, doctor’s office or pharmacy. They could take care of the majority of your out-of-pocket healthcare expenses, reducing your overall healthcare costs for the year. Medicare Advantage plans for Pennsylvania in 2020 are worth checking out for any senior who wants to save money and have peace of mind about how they are covered for medical care.
What Is Included in a Medicare Advantage Plan?
These are plans that are designed with lots of coverage in mind. They are meant for people who struggle to pay their medical bills each month and who need some extra help, so they have a lot of coverage.
Advantage plans con cover the cost of Medicare Part A and Part B, which are inpatient and outpatient medical costs, respectively. The coverage in every Advantage plan also extends to emergency medical care and urgently needed care. That’s a ton of coverage in one plan, and it is more than most medical insurance plans, but that’s not all that an Advantage plan could cover for you.
Many of the Pennsylvania Medicare Advantage plans will cover the cost of Medicare Part D, which takes care of many prescription drug costs for you- both generic and name brand drugs. A number of the Advantage plans available throughout the state will also cover the cost of annual checkups and the cost of some prescription apparatus, namely hearing aids and eyeglasses.
On top of all that, your insurance carrier may offer some member perks that you are not going be charged extra for. These can include coverage for gym memberships, cover for various medical expenses that are considered to be nonessential, and access around the clock to experienced medical professionals. That’s just a few of the possible member perks, and you should talk to the potential insurance carrier directly to ask about their perks before you make a choice. You want to be sure you are getting real value for your money and are being provided benefits that matter to you.
What to Know if You Already have a Medical Insurance Plan
Let’s assume that you have a healthcare plan of some kind right now and are looking at Medicare Advantage as a possible replacement. In most cases, the Advantage plan would have to replace your current coverage plan, since Advantage plans are not typically compatible with other healthcare insurance. They are not compatible with just about any employer or union healthcare plan, and they will not work alongside a Medicare Supplement (also known as Medigap).
However, Medicare Advantage will be compatible with Original Medicare. You simply get Original Medicare coverage through your new insurance provider instead of through the Medicare organization. Some Medicare Advantage plans include Part D prescription drug coverage. If you are getting that with your Advantage plan, then you can’t have a separate Part D plan on top of that, so you have to decide whether you want the individual plan or the packaged Part D plan. They will likely cover the same expenses, but you usually pay less overall for the Part D/Advantage plan package.
If you are not sure about compatibility between Medicare Advantage plans for Pennsylvania in 2020 and your current coverage, then you can always contact us and get some answers. We would be happy to help you out and make sure you know what you are getting and what you can sign up for.
The Cost of Pennsylvania Medicare Advantage
Signing up for an Advantage plan means that you will now be responsible for paying a monthly premium on your Advantage plan. In some cases, that premium is $0, meaning you don’t make a monthly payment. However, you also have to take care of the deductible and cover those deductible costs before your coverage plan will step in and do its part.
You can use our site to look at what the rates are for Medicare Advantage plans in Pennsylvania for 2020. The rates will be different from what they were last year, so make sure you are getting current quotes. You can keep coming back to our site to watch the rates as they change and make sure you are getting current information. It costs you nothing to use this free resource, and it could potentially save you hundreds of dollars a year on medical insurance and out-of-pocket costs. We want to make sure that you get the best and most affordable coverage plan for yourself, and we make it pretty simple to do that.
Medicare Advantage’s Coverage Restrictions
We also want you to be aware of how your Advantage plan can be limited at times. There will be medical facilities that you could visit for healthcare services where your coverage plan will simply not be honored. That means that the medical facility is outside of your insurer’s network area. Pennsylvania is a big state, and no matter which insurance company you choose, you will not get full coverage at every clinic, hospital or doctor’s office in the state.
Be aware of your insurer’s network limitations and consider looking at both HMO and PPO options to ensure you are being well covered where you live. PPO Advantage plans cover you both inside and outside the network, while HMOs will cover you only within the network. You have to balance coverage with costs on these, though, so be sure you take your time making your decision.
For any questions or for more information, please don’t hesitate to contact us. Our friendly and experienced staff are waiting to assist you in finding the perfect medical coverage plan. That could be one of the Medicare Advantage plans for Pennsylvania for 2020, so be sure you take your time to consider them.