BCBS Medicare Advantage Plans 2020
With a Medicare Advantage plan, seniors can be covered for the kinds of expenses that other healthcare policies do not cover. The BCBS Medicare Advantage plans for 2020 are ideal for seniors who need some extra coverage and who do not feel adequately covered by what they have at the moment.
While Original Medicare is kind of the standard for seniors in the US when it comes to healthcare policies, they may not cover some people enough for their healthcare to be affordable. That’s why Advantage plans are often worth consideration. They do so much more for people than a simple Original Medicare plan, and they even include all the Original Medicare coverage in their basic cover.
Let’s talk about what Medicare Advantage can offer you as well as why you may want to get that insurance plan from BCBS.
What’s a Medicare Advantage Plan?
Not everyone is familiar with these plans, so we want to discuss a bit about them and how they work.
First of all, Advantage plans are different from Supplement plans in that they don’t require another plan to work alongside them. They can function on their own. That being said, they really do include all of the Original Medicare plan coverage, so it is kind of like you are getting two plans in one. That’s because Advantage plans don’t just cover Medicare parts A and B. They also provide coverage for urgently needed medical services and emergency healthcare. That would include all sorts of medications, tests, surgeries, ER visits, ambulance care, and so much more.
These are situational coverage items, so what exactly you would be covered for will depend on what your needs are at the moment. For example, if you are not experiencing a life-threatening emergency, then you may not be covered for a medical procedure that would be covered if it were considered an emergency. In other words, it will be up to the healthcare professionals treating you to decide whether the medical care is medically necessary or not.
Another expense that Advantage plans can cover for you is your prescription drug costs. Even if you have to take a lot of medications, those can all be covered completely or at least partially covered. This is all part of the Medicare Part D drug plan coverage, which is included in many Advantage plans. BCBS has a few different versions of Advantage plans that offer Part D coverage, and you will see that covered listed right in the name or title of the plan.
Advantage plans can also cover you for many of your check ups you might need to go to throughout the year. That could be checkups for your vision your hearing or just for general wellness.
The BCBS Medicare Advantage plans for 2020 are designed to be standalone plans and offer powerful coverage. This may or may not be coverage that you need, so just because we are discussing them here and telling you how advantageous they can be, that doesn’t mean that they are relevant to your particular needs.
How BCBS Works as Your Carrier
Even though Advantage plans carry that Medicare name, they are not sold by Medicare directly. Medicare has simply designed the plans and decided how much coverage they have. It’s pretty hands off with these plans otherwise, though. Medicare doesn’t even decide what the rates will be for the Advantage plans. Instead, BCBS and other carries get to set their own rates.
These rates will change periodically, and you can use our website to see what the rates are and how they are changing. You can stay up to date this way without ever having to go from one insurance company website to another and requesting quotes. You can find out the rates from a bunch of different carriers all in one place.
BCBS in particular has some great rates. They do a lot to keep their prices low. That often means that they won’t be offering the same list of perks that other companies with higher rates might, but you can save money overall by having a carrier like BCBS providing your coverage.
BCBS stands for Blue Cross and Blue Shield, and they are actually called by a lot of different names depending on where you live. That’s because this company is made up of a lot of smaller companies. They all function the same way as their parent company, though, and they are all committed to offering great customer service and competitive rates.
BCBS will not be able to offer you full coverage everywhere you go, though. They will be limited as to where they can offer full coverage due to their network restrictions. The network extends to every clinic, doctor’s office, hospital and pharmacy that has accepted their plans, but there will be some medical facilities where their plans are not valid. In those places, you may not be able to get any coverage at all, depending on the network option you have chosen.
What we mean by this is that there are a couple of different network options. The HMO one is the most common, and it will give you coverage only on BCBS’ network. If you go outside of their network for healthcare services, then you will not be covered at all by your plan.
The other main one is the PPO plan. This one covers you completely on the network as well, but it also offers you partial coverage outside the network. That’s great for people who live outside of BCBS’ network but like their low rates. Now, PPO plans cost more Than the HMO plan, as you might imagine, so keep that in mind as you are trying to figure out what will be the most economical option for you.
If you are at all interested in BCBS Medicare Advantage plans for 2020, then please let us help you make the right choice. We can help you to sort through the available plans and chose one that fits you well. We will also help you to compare rates and find a low price that makes your healthcare affordable while still covering you like you need to be.