Medicare Advantage Plans New York

Seniors who live in New York are able to get health insurance known as a Medicare Advantage plan. These Advantage plans provide excellent coverage of medical services and include the Original Medicare, which you will need to have. When you become 65, you are able to get Medicare and a Medicare Advantage plan. If you are still unsure of what you need to do to get this health insurance in New York, please don’t hesitate to contact us and we can help you find a plan that will be suitable for you.

Medicare only pays 80% of your medical bills and the remaining 20% will have to come out of your own pocket and seniors are looking for a way to have that portion taken care of. A Medicare Advantage plan will help with those remaining costs. It will take care of your basic services and even some extra ones you wouldn’t think would be paid for. There are several Advantage plans and you will need to check out each one to find the plan that will take care of the most important medical services that you would need and not put a burden on your budget.

Medicare Part A and Part B costs will be included in an Advantage plan, as well as, emergency care, and all urgent care when needed. Hospice care will not be covered, but that is taken care of by your Original Medicare, which you have to have for your Advantage plan to be complete.

Some New York Medicare advantage plans will also include Medicare Part D. Part D is the plan that will cover your prescription drugs like your generic ones and pay some of the name brand ones. Generic drugs will always be covered by the plan and payment for the name brand ones will depend on the Advantage plan you chose. Part D will have all the medical coverage we already stated and this can be very beneficial for seniors.

Other coverage you can get with an Advantage plan would be your regular physicals at your physician, specialists, dentists, optometrists and audiologists. Your dental cleanings and checkups, x-rays and medical tests will also be taken care of. Some seniors will like the fact that hearing aids and prescription eye glasses will also be covered. This can be a great savings for seniors that live on a fixed income.

You might be wondering just how much medical coverage do you want or need. It would be a good idea to talk with your physician about your medical issues and what type of health insurance coverage you might need in the future. We never know what can happen from day to day and what medical issues may come about, so you will want to keep your Advantage plan current. In the future you may need to change your plan according to your health issues and this can be done during the enrollment period.

All Medicare Advantage plans work with a network. This network include physicians, hospitals, pharmacies and medical clinics that contract with your particular Advantage policy and will always accept your plan. These facilities are in network and those who are not on your Advantage plans are out of network. If you use a New York of the doctors in your plans’ network, they will accept and you will get payment for the services. If you needed to see a doctor that is not in this network, your medical bills will not be paid by the insurance plan and most likely you will have to pay them yourself.

The basic Medicare Advantage plan is called a HMO. This has all the coverage we discussed and full payment is rendered for medical services as long as you stay within the network.

If you find you want a facility to be your main provider and they are not within the network, you can get an Advantage plan called a PPO. New York residents can get this plan and will get full coverage of services while in network and partial payment when they need to go outside of the network. You do need to remember that that entire medical bill will only be partially paid for. Another consideration for this particular Advantage plan is the monthly premiums will also be higher.

Sometimes a person will need a medical service out of the network and the PFFS plan will pay a set price for that service. It will still pay completely within the network, but will pay a fee for service amount and no more. The rest of the bill will be your responsibility. For instance, if you needed surgery at a hospital out of the network, the cost of that surgery will already be predetermined and your policy will only pay that amount.

Another Advantage plan is known as the Special Needs plan for those that have Medicare and Medicaid. These plans have low rates and a senior will have qualify to get this plan. If you aren’t sure if this plan might be for you, feel free to call us and we can help you find the right Advantage plan for your needs.

You may be wondering what insurance companies are selling these Medicare Advantage plans and how do you go about getting one. We found a few of what we consider very good companies that offer a great amount of coverage for their Advantage plans and you will probably find one that suits you. We decided on these companies because the plans have good coverage and the prices are reasonable. They also have outstanding reputations in the insurance industry.

United Healthcare is one of the bigger insurance companies in the country and is associated with AARP. Their network comprises of a vast amount of doctors, hospitals and pharmacies and you should be able to find one that fits your needs.

Blue Cross Blue Shield is a non-profit compaNew York and has great rates for their policies. By using our web site, you will be able to see the Advantage plans they sell and the rates they are charging. You will see other insurance companies selling these plans and their rates and will be able to make a good comparison.

WellCare is a compaNew York that may not be familiar to maNew York people and they have Advantage plans that will cost only $0 monthly for premiums, as well as, deductibles that will be low. For those seniors who have financial difficulty, this plan may be what they can afford and still get great medical coverage.

There are other insurance companies selling Medicare Advantage plans for New York and you can see them on our web site. You will need to put in your zip code to see what is being offered in your area. The Advantage plans are regulated by Medicare and are all the same. The difference is that the insurance companies can decide which plans they want to offer their clients and how much they will be charging for them. This is where you need to do some searching to find the Advantage plan for New York residents that will fit your medical needs and offer the best price. So call and we can help make it easier for you to find the Advantage plan that is right for you.