Compare Medicare Advantage Plans
Thousands of seniors manage to save money on their healthcare every year because they choose the right kind of health insurance plan. They have taken the time to compare prices and coverage among different plans to find what will fit them and they use sites like ours to ensure they look at all of their choices before making a decision. Picking a Medicare Advantage plan is a big decision, and that’s why we want to help you compare Medicare Advantage plans.
This doesn’t have to be a long and complicated process. Our site is designed to help you sort through pricing information very quickly by presenting you with a list of results that you can choose your insurance plan from. Now, you are under no obligation to use any of the insurance plans that we list on our site, and we don’t get a cut of the profits on any of these plans. This service is completely free to you, and our site is designed to help you compare the plans and find the best one.
Besides our powerful search engine that gives you fast and accurate results for your local area, we also offer free expert advice. You can call us and talk to an experience insurance professional to answer your questions answered. Be sure to contact us if you need some help.
Compare Medicare Advantage Plans
Compare Rates to Save Money
It’s really simple to compare the cost of Medicare Advantage Plans. You can do that on our site, and we will list a few different insurance plans for your area. These will all be similar plans sold by different insurance companies. This gives you a good range of prices to pick from and helps you get a plan that is right for your budget. The prices change periodically, so you’ll want to keep checking back with us to ensure you have the most accurate and up-to-date pricing information.
If you want to save money and get a good deal, you will source as many quotes as you can. You don’t have to pay any money for this function, nor do you have to contact each insurance company separately to get the information that you need. You can get it all right here. We will use your zip code and give you local rates, since the rates are different across the United States.
Maybe you thought that AARP had good prices, and then you looked at their rates here on our site and saw how they compared to the competition. It can be eye opening to see all these rates side by side for the first time. It gives you a good idea of who is taking advantage of you and who is going to offer you a great deal on medical insurance.
Compare the Plan Coverage to Find a Suitable Policy
Medicare Advantage comes in a few different forms. You have your basic plan that includes all of the following coverage:
- Medicare Part A (save for hospice care)
- Medicare Part B
- Emergency medical services
- Urgent care (preventative medicine, medications, surgery, etc.)
Then you have more powerful plans that include that whole list above plus coverage for Medicare Part D. That’s a prescription drug plan that covers you for a variety of name brand and generic drug costs, covering some of them just partially and others almost entirely.
Some of the Advantage plans will cover you for checkups you will want to get throughout the year. If you go for a checkup with your general healthcare practitioner, your dentist, optometrist or hearing specialist, those can all be covered completely. You can even be covered for multiple visits by your plan, as well as for the cost of dental cleanings, prescription eyeglasses and hearing aids.
You will want to compare Medicare Advantage plans in their coverage and not just their prices. The coverage determines how well you are provided for by your plan and how much it leaves for you to pay on your own. Ensure that your plan covers you well and doesn’t cost too much and you will have a plan that is a great fit for you. You can use our site to compare all these things and talk to us if you have any questions about Medicare Advantage.
Compare Medicare Advantage Plans
Compare Network Options
Have you ever had to deal with paying a large medical bill all on your own? It can be especially frustrating if you were not expecting to have to pay all that money. This is what happens to a lot of seniors who sign up for Medicare Advantage plans and who think they are going to be covered by their plan wherever they go. They may not realize that Advantage plans will only provide full coverage if you go to a medical facility that is on your insurance company’s network.
The network is different for each insurance company. It consists of whatever medical facilities have agreements with the insurance company. These companies work hard to expand their network, but there will always be hospitals, pharmacies, doctor’s offices and clinics where their coverage is simply not accepted. Now, you can either stick with the most cost-effective Advantage plan and just stay within your network as much as possible for your healthcare, or you can look at some of your other options.
HMOs are the most common Medicare Advantage plans. These don’t affect what medical expenses you are covered for in any way, but they do determine how you are covered on and off the network. HMOs will cover you only on the network, leaving you to pay for everything if you go outside of the network.
PPOs are slightly less common but can still be found at most insurance companies that sell Advantage plans. These cost a bit more than the HMO but they cover you better too. PPOs will cover you fully on your insurer’s network, and they cover you partially outside of the network.
You could also sign up for a PFFS Advantage plan. This one has a slightly higher rate than the HMO, and it will cover you fully on the network too. It then charges you a fixed fee for each service you get from outside the network. It can be cost effective for people who only occasionally go outside of the network for healthcare, while PPOs are better for people who live outside the network and can rarely find a network facility near them.
You will want to compare the network option along with the prices and coverage of Medicare Advantage plans. The network option makes a big difference in how well you are covered and how you can access the coverage plan that you are paying for. It would be a shame to pay for a coverage plan that isn’t doing you much good because of where you live in relation to your insurer’s network.
If you need any help to compare Medicare Advantage plans, then feel free to make use of our site and contact us for your questions. Our team is here to assist you in finding the best coverage for your needs. Like many other seniors, choosing the right Advantage plan can save you hundreds of dollars a year on your medical insurance, and we would love to help you make that happen.