BCBS Medicare Advantage 2020
Blue Cross Blue Shield (BCBS) is offering some Medicare Advantage plans for the coming year that seniors may benefit from. This are health insurance plans that cover a multitude of common medical expenses and services, and we are going to take a few moments here to look at the BCBS Medicare Advantage 2020 selections and why they might be good for you.
The Advantage Benefits
Every healthcare plan has its own benefits that make it stand out from other plans. What does Medicare Advantage offer that makes it worthwhile?
We think what really gives these plans an advantage is that they offer more coverage than your typical healthcare plan does. If you look at Original Medicare or the common employer and union healthcare policies, you will see that they don’t offer you as much coverage as even the basic Medicare Advantage plan.
Every Advantage plan that BCBS sells, as well as those from other insurers, will offer you full coverage on Medicare Part A and Part B. That is all of Original Medicare right there, but that’s not where Advantage plans stop with their coverage.
The basic plans all offer you coverage for emergency Medicare care and urgently needed care in addition to the Medicare coverage. This is all part of the basic plan, and what that means is that there are other, more robust versions of Medicare Advantage that will do even more than that. The premium plans can offer coverage for expenses like your checkups (general wellness, vision, hearing etc.) and for Medicare Part D prescription drug plans. All of that can be included in a powerful, comprehensive package that will leave most people with very little that they have to pay for out of their own pockets.
That is a lot of coverage, or at least it can be if you choose the appropriate plan. You do have some options with Medicare Advantage, and there isn’t just one standard plan to go with. You can choose the one that fits you best. Look closely at the coverage before you apply for a plan, because you want to be sure you are getting coverage that suits you and that meets your needs. You can always talk to our healthcare insurance experts to get some advice about these plans and to learn more about how they work.
How Advantage Cooperates with Other Plans
You may already have another medical insurance plan of some kind and be wondering if the Advantage plan will overlap or cooperate with that plan’s coverage. We can tell you that Original Medicare is perfectly compatible with Medicare Advantage. Your Advantage plan will offer you the same coverage as Original Medicare, plus more, so, it will essentially replace your Original Medicare plan for you. If you have a plan from your employer or a union, then there is a good chance that there is some overlap, and you will likely have it get rid of one of your plans to accommodate the Advantage plan.
The same is true of Medicare Supplements, and if you have one of them, then you will need to drop it to accommodate any BCBS Medicare Advantage 2020 plan. If you have Part D already, then you will not be able to sign up for an Advantage plan that includes Part D. That would literally mean you would be paying twice for the same coverage. However, you can find Advantage plans that do not include the Part D coverage, if that is what you need. BCBS sells them, as does every other insurer that offers this kind of insurance plan.
What is the benefit of signing up with BCBS as your insurance carrier over some of the other insurance companies? We recommend them to people as a consideration because we know that they often have some of the lowest rates. At the same time, they offer some good benefits and perks for being members, so it isn’t like they use low prices as an excuse to offer you nothing. Their low rates are why many people choose them over other providers, and if you are looking for a great deal on Medicare Advantage, we do suggest that you give BCBS a look. They may have what you want out of a plan, and they may be able to help you save hundreds or even thousands of dollars a year on healthcare costs.
BCBS is also very customer oriented. They have a great track record with their customers, and they do a lot to ensure that their clients are well taken care of. They respond quickly to customer requests and have a great reputation in the industry. They are also available in most areas of the country. So, if you are worried about your coverage area or availability of plans, you don’t really need to be concerned there.
BCBS is made up of a lot of different insurance companies and smaller entities, and that means that they can go by a number of different names All of their different offices and partners offer the same low rates and great customer service commitment, though.
BCBS is relatively stable too. What that means to you is that their prices shouldn’t change suddenly and without any warning. You should know of incoming price increases before they happen.
If you are concerned about not being fully covered by an Advantage plan in your area, then you may want to look into some different network options. The PPO plan from BCBS will cover you partially outside their network, with full coverage in the network. Their HMO plan covers you only on the network, but that kind of plan will cost you less.
If you need some help figuring out your options or choosing a plan, then please get in touch with us. We would be happy to offer advice and answer any questions that you may have. We can show you rates for BCBS Medicare Advantage 2020 and other plans from other providers as well. This can help you to make an informed decision for healthcare coverage.