The benefits that Medicare Advantage plans offer are different than the coverage in traditional health insurance plans. The added benefits include doctor’s visits, preventative care, coordinated care and more. For many seniors the benefits are well worth the added cost of enrolling in an insurance plan.
One benefit doctors that specialize in medical issues specific to senior citizens. These doctors work with senior populations to treat their particular conditions. When dealing with a specialist, health insurance costs can be lowered by using a discount plan.
Using a group plan can save Medicare beneficiaries hundreds of dollars in additional doctor’s visits and tests. That savings comes from saving on administrative costs, premiums and deductibles. As part of a group plan, patients are offered the option of seeking out primary care doctors for lower rates than individual physicians.
Another benefit of this plan involves coordinated care. This means they get a complete medical exam at one clinic, which leads to a one-stop shop approach to care. Instead of having to make several appointments, a patient can call the clinic with questions and receive timely, expert medical care.
Coordinated care helps patients avoid having to pay for expensive, necessary procedures. An example of such a procedure is knee replacement surgery. One can avoid being charged higher insurance rates for this procedure if they have the ability to travel to the same doctor.
Many states offer group plans in addition to group policies. This allows seniors to become eligible for more benefits. Groups also have lower overhead costs compared to the insurance companies.
Consumers can find a group plan by contacting the state or local office of the state’s major insurance company. They can use their online form to get started in the process. Some of the states’ major insurance companies are: Aetna, Blue Cross, CIGNA, Health Net, Humana, Kaiser Permanente, M, Nationwide, PreferredOne, United Healthcare, UPMC, and Western Health.
Seniors looking for health insurance that offers a range of benefits can try the network or a Preferred Provider Organization plans. Network plans tend to have more regulations. Prescribed benefits must be available in a specific quantity of prescriptions.
Additionally, these plans may not cover a certain medical issue. Prescription drugs and other medical items cannot be covered by the Preferred Provider Organization plan. Of course, there are exceptions, but the downside to the network plan is that individuals must pay a premium every month.
But when it comes to a Preferred Provider Organization plan, the benefits are more limited than the network plan. The plan will only cover a limited number of health issues. An example of this would be dental benefits. Some Preferred Provider Organization plans only cover a few different services.
Plus, there is not necessarily a guarantee that the plan will cover a specific issue. If an issue does not occur, the provider will not be covered. Once an issue is covered, the provider will be responsible for all services provided.
One final consideration is the cost. Most people opt for the network plan because of the more freedom and flexibility that they get in terms of services and their medical bills. Medicare Advantage plans 2020 are found by visiting https://www.medicareadvantageplans2020.org