Premera Medicare Advantage Plans
Premera is one of the subsidiary companies under Blue Cross Blue Shield that provides seniors with a wide range of Medicare Advantage plans in some states in the US.
The Premera Medicare Advantage plans coverage offers the plans in the State of Washington and Alaska to the seniors who feel that they are not adequately covered under original Medicare. They provide competitive prices that seniors have continued to enjoy the comprehensive medical coverage.
Premera Medicare Advantage Plans 2021
Before signing up for any coverage, it is wise to ask yourself about the benefits you would expect to get. Premera Medicare Advantage plans will still cover the same benefits that other Medicare Advantage plans offer. Some of these plans include urgent care, emergency medical care, Medicare Part A and Part B benefits, generally the ones meant to cover ordinary medical expenses that seniors need.
When it comes to Medications, Premera has a Medicare Part D coverage that is meant to cover for drug prescriptions at an affordable cost, such that you do not have to go looking for the prescription coverage in another plan.
Besides this, Premera also covers routine checkups for the general practitioner, dental visits, optometrists, among others. Still, it provides for hearing aids, and in case you wish to get eyeglasses, then it will cover you substantially.
This means that if you plan well for 2021, then all your health needs will be sufficiently covered under this plan. However, it is critical to note that the prices may change in 2021, though this has not been announced yet. Just keep in mind and give an allowance while planning to avoid disappointments later. But, much as Premera does not provide all the plans in the Advantage plans, you should be sure that the basic coverage plans will be on course, and you will not be stressed on how to get covered.
Premera is also divided into three levels. These are Bronze, Silver, and Gold, Bronze is the cheapest plan, while Silver is medium-priced as well as Gold which has a maximum coverage with the highest price. Gold has, however, lesser out of pocket prices compared to bronze and silver due to its higher coverage.
Compare Medicare Advantage Plans
Premera Medicare Advantage Providers
One of the demerits of Premera is its limited network coverage, just like some of the insurance companies. It mostly covers urban areas in comparison to rural areas. There are those medical providers that it has contracted with such that one will not pay anything upon visiting them. However, in the event you visit others outside the network coverage, you may end up spending most or all the expenses from your pocket.
Therefore, in the event you do not get the full coverage, there is an option of signing up with the HMO, which is meant to give you the cover when the network is limited. Its an affordable plan and worth paying for it, otherwise you should be ready to pay for the entire cost all on your own.
Besides HMO, Premera also offers another option known as the PPO, which gives full coverage if you are on the Premera network and partially for any cost that is off Premera Network.
While this might be confusing, it is important then to check on where you live to ensure that your medical plan is sufficiently covered. For instance, if you do not get full coverage under Premera, then you can sign up for HMO to supplement it. However, if you live in a rural area where network coverage is limited, then signing up for PPO would work better since it will partially cover for off-network facilities.
However, this information may not be fully explained to you, but you can call us, and we will explain further and assist you in making a solid decision.
Compare Premera Medicare Advantage Plans
Whenever you want to get a reasonable offer, do not rush for the first choice. It is wise to compare several quotes from the insurance companies offering the Medicare advantage plan and settle for the most competitive one in terms of prices and the coverage. Premera also has competitors, and if you use our site, you will get to know who they are, and that way, you will be able to choose the best.
It’s definite that as you source for more quotes, then you stand a chance to get the best deal with an up to date information and, in the long run, stand to benefit. Premera being a subsidiary of Blue shield, it happens to be among the most competitive plans available. Make use of our site and you may find that you save a lot if you make a solid choice.
When You Can Enroll
Just like any other Medicare Health plan, Premera is eligible as soon as you turn 65. The application can be made three months before celebrating your 65th birthday up to three months after you turn 65.
From there, one can only sign up during the official enrollment window, which starts from October 7th and closes on December 15th. If you have a preexisting condition in such a case, then one can be charged more, or the condition may fail to be approved.
Its, therefore, recommended that you sign up as soon as you turn 65 to be able to enjoy the benefit of the preexisting condition without any charges being imposed.
Our team of experts has analyzed all the information relating to Premera Medicare Advantage to ensure that you get accurate information for sound decision making. We urge you to visit our website and learn more about these services in addition to other different quotes for comparison.
If you still don’t understand further on how Premera Medicare works, be free to give us a call and we will advise accordingly so that you sign for a healthcare plan that befits you. All in all, Premera has proved to be a good plan, and if you are a senior living in Alaska or Washington state, then considering buying this plan will go along way to sort your needs.