List of Medicare Advantage Plans 2021
Medicare Advantage plan is an alternative plan for Original Medicare, with many seniors opting to enroll with it because of the extra coverage.
Since the available options are numerous and may at times confuse the senior looking for a coverage that would meet the healthcare needs, we want to make things easy.
We will provide you with a list of Medicare Advantage Plans for 2021 so that you can check and see what could work well for you.
The list of Medicare Advantage Plans and Companies for 2021 is:
- Humana
- Aetna
- Cigna
- Anthem/Blue Cross Blue Shield
- United Healthcare
- Regence
- Kaiser
- Many more!
As you get to understand what the options entail, it is an eye-opener towards meeting your health goals and at the same time, saves mainly on your budget.
What Is Medicare Advantage
Medicare Advantage plan is an alternative plan to Original Medicare, which is licensed by Medicare to offer health insurance needs to seniors around the United States.
They are provided by private insurance companies, under the guidelines of Medicare to see to it that the members are sufficiently catered for their health needs.
These companies determine the coverage level and the price that they would be willing to charge for each of their packages.
To qualify for any Medicare Advantage Plan, you must have the Original Medicare which covers for Medicare Part A except for hospital coinsurance and Part B expenses.
Besides this, you must have attained the age of 65 except for an issue where one has a disability or end-stage renal failure, and at the same time undergoing dialysis. These exceptions are given 24 months before one turns 65 years.
It’s also important to note that as you plan to enroll for Medicare Advantage plan, it operates with a list of medical providers within its network, As such, it’s imperative that you check on the available doctors in the area where you live and confirm if you will be sufficiently covered for the plan.
There are also plans which overlap with Medicare Advantage plans and Medicare in such a case does not approve for two overlapping plans.
An example is the Medicare Supplement plan which conflicts with Advantage plans.
If you feel that you must use Advantage Plans, then the only option is to drop the current plan and sign up with Medicare Advantage Plans.
Compare Medicare Advantage Plans
Compare Medicare Advantage Plans
Medicare Advantage plans are divided into there, and we are going to discuss each one of them to help you know what each one of them entails.
This is a plan that any Medicare Advantage Plan must have in addition to the extra coverage. It is the base coverage that takes care of Medicare Part A except for hospice care.
It also covers for All Medicare Part B expenses and other expenses such as emergency medical services, for instance, the access of ambulance services and urgently needed care such as surgery, medical tests, among others.
Basic Medicare Advantage
This is the drug prescription plan that is offered by Advantage plans to cater for the costs of medicines. It’s very useful and does not overlap with the Medicare Plan of choice.
However, if you want to use the Medicare Part D drug coverage as a standalone project, then you will need to choose an advantage plan that does not have an inbuilt drug plan with it. Otherwise, you cannot sign for two of them top avoid overlapping.
Medicare Advantage Part D
It is higher Medicare Advantage coverage that caters to extra benefits such as the checkups, annual medical checkups, dental visits and cleaning, vision, hearing, and also general awareness.
Besides these, the plan covers for prescription of new eyeglasses and hearing aids. However, this is dependent on the level of coverage that you decide to enroll with.
Since different insurance companies offer these plans differently and with different prices, it’s essential to check on what meets your needs and avoid disappointment when you are already in the coverage.
This plan still has the drug coverage plan which is very essential for every senior to consider having, more so for those who are frequent users of medicines and it will save a large portion of your drug costs from your pocket payments.
Aetna Medicare Advantage plans
Humana Medicare Advantage Plans
United Healthcare Medicare Advantage Plans
Blue Cross Blue Shield Medicare Advantage Plans
Medicare Advantage with Checkup Coverage
Medicare Advantage Plan Networks
While Medicare Advantage plans seek to offer services to their members in a comprehensive manner, their optional plans help them to achieve this goal.
One of the most popular plans is the HMO plans which provide you with affordable coverage within the network.
However, there are exemptions that one may be covered for the plan, only in case of an emergency. Otherwise, if you get treatment off the network at your own wish, then you stand to pay the bills from your pocket.
You will also require a primary care doctor who will refer case you need to see a specialist. This is one of the most accommodative plans in terms of prices, mostly for the people who are within the network. They get to enjoy full coverage of their needs.
PPO plan is the next optional plan under the Medicare Advantage Plan. This plan allows seniors to access services while on and off the network.
You can as well choose the doctor who will be taking care of your healthcare needs without having to use a primary care doctor as it is in the case for HMO plans.
But on the same note, PPPO plans call for one to pay more on premiums and out of pocket expenses.
It is an excellent plan for those people who live in rural areas where there is limited coverage of the network.
PPO plan also has a Medicare Part D drug prescription plan with it. To save on the costs of the drugs, it’s advisable to choose pharmacies that sell the drugs cheaply as compared to others.
Medicare Advantage plan majors on these plans in most cases, you do not have to struggle with unanswered questions about the best cover to choose. We request you to check any information relating to the plans from our site.
You can also call us for further clarification and assure you that this will be a smooth journey if you start it right.
Finally, it’s worth remembering that Medicare Advantage Plans 2021 gives a basic list that helps you to make an informed decision even as you progress on your healthcare journey.
But most importantly, keep checking on any change of prices or line up of the plans from our site, so that you can plan objectively.
HMOs also have a network that you must adhere to in order to receive coverage. In the case of an HMO, you will have a primary doctor that you must see first. After that in order to see a specialist, your doctor must provide you with a referral.
Unlike a PPO you may only receive benefits within your network, whereas the PPO allows you to go out of your network but pay higher costs.
Call us today to get started to see what plans are available in your area!
Compare Medicare Advantage Plans
