AARP Medicare Advantage Plans
Medicare Advantage plans are offered by most major insurance companies like AARP and they decide what rates they will charge for them. They also will decide what plans they want to offer their customers, as each company does not offer all the plans. We are taking the time to inform you about these Advantage plans from AARP to see if they have the rates and coverage that might be suitable for your health needs.
AARP Coverage Options
Medicare Advantage plans are designed to offer more medical coverage than the Original Medicare and a Medicare Supplement plan together. Medicare Part A and Part B will be taken care of, but not Part A hospice care. Also covered will be emergency room care, ambulance transportation and urgent care in an emergency situation.
AARP Medicare Advantage plans can also cover your Medicare Part D, which is coverage for your prescription drugs which will take care of most of your generic drugs and partially for name brands ones. This can be ideal for most seniors who have many prescriptions as they get older and can be a large savings for them. Some Medicare Advantage plans will also cover you for your general doctor visits, audiologist, dentist and your optometrist. You regular physicals, cleanings, x-rays and new prescription glasses will be within the coverage. This is all wonderful coverage of your health issues and should be looked at carefully to find a plan that suits you.
When getting an AARP Advantage plan, you will find the plans are different depending on where you live. Not all areas have the same choice of Advantage plans. Each insurance company determines what plans they will sell and the prices they will offer to their clients. AARP has a great many Advantage plans for seniors to choose from with outstanding rates. You will need to look carefully at each plan to see what medical services are being covered and if they pertain to your personal health needs. Talking with your doctor may help you get the information about your healthcare needs to find a viable Advantage plan. If you need more help, feel free to contact us and we can talk to you about the plans and their rates and how they may pertain to you at this time in your life. Later on, you may have need for more extensive coverage and you will be able to change your plan during the enrollment period, which is from October 15th to December 7th.
Medicare Advantage 2021
AARP’S network Options
There is a limitation with your AARP Medicare Advantage plan regarding who you can get medical services from. Each Advantage plan will offer full coverage, as long as you use the doctors and hospitals within the insurance’s network. AARP has contracts with many doctors, hospitals, medical clinics and pharmacies in your area, but they won’t include all of them. If you have a doctor or facility that you really like, you may not get any medical coverage if they are not in the network of your Advantage plan. You will then have to find a new doctor or hospital that your particular plan works with. It is wise to check out the network of the Advantage plan you are interested in, to be sure you want those doctors or hospitals they include in their plan.
For those who wish to see doctors that aren’t in a particular network, there is the PPO Advantage plan that may be better for you. This plan will cover you completely when you use the facilities within the network and will make a partial payment for services when you go outside of network. You cannot get full coverage outside of the network. This might be more beneficial to people who do not have doctors or hospitals nearby or live in rural areas. PPO’S can have larger monthly premiums than the basic HMO plan that will only take care of you in network.
Another Advantage plan is known as a PFFS and it too will cover you for services in the network, but if you require coverage out of network for some reason, it will pay a predetermined amount for that service. This may be perfect for someone who needs to have a medical procedure with a doctor that is not within the network and only need this once in a while.
Medicare Advantage 2021
Compare Rates on Medicare Advantage Plans
When looking at these Advantage plans, most senior’s concerns are how much the cost will affect their monthly budget. Can they afford the plan they want and still have all that medical coverage? Will it lessen the amount of money that they will have to pay for any extra expenses? Would another health insurance plan be better for their needs?
Our web site will give you a good idea of all the plans in your area and their costs and our charts will help you to compare the different insurance companies. The insurance companies determine what plans they want to sell and their rates. So one company may have a perfect plan, but costs too much and another company’s plan may not cover enough. This can get confusing and you can call and we can answer any questions you may have. Our charts may not have all the information you are seeking, so talking to an informed agent will help to lessen the confusion.
You may think the charts are informative and hopefully will help you to whittle down your selections of Advantage plans. But sometimes talking with someone else might make it all clearer to you. We can guide you to the plan for your medical issues and a price that will be comfortable for your budget. If you find your medical situation or finances change, you can change your plan.
Medicare Advantage plan prices will change from time to time. There ae some plans that will cost $0 per month, but these will probably have a much higher deductible, which you will have to pay before the plan starts paying for medical services. You also may have to pay the Medicare Part A and Part B premiums as well. Most likely, Medicare Advantage plans will range around $45 a month and they can be higher depending on the services they cover.
Medicare Advantage 2021
Comparing AARP to Your Options
There are many insurance companies, besides AARP that sell Medicare Advantage plans. Some companies like Humana, Cigna, Blue Cross Blue Shield and many others will also sell these plans. Where you live will make a big difference on the cost of these plans.
AARP is one of the finest insurance companies in the country selling Medicare Advantage plans. They are well-known for their plans for seniors and retired individuals. They have been around for years and have been offering financial services, gym memberships, diet and exercise plans, prescription drop-offs, talking to a medical professional over the phone 24/7 and much more. It would be hard to find another insurance provider who offers this many services as AARP does.
Being an AARP member and having these great medical services for yourself is something to consider when thinking about getting a Medicare Advantage plan. Check out what is being offered in your area and find the plan that will work for you. AARP plans have so much more than just the basic medical coverage and we think you need to look carefully at what their health insurance can do for you.