Florida Blue Medicare Advantage Plans 2020
If you live in Florida, then one of your best options for senior medical care is Florida Blue Advantage. This can provide you with coverage for all of Original Medicare through a private insurer, and it does even more than that for you. If you sign up for one of the Florida Blue Medicare Advantage plans for 2020, then you may not have to pay hardly any medical expenses out of pocket.
Medicare Advantage Covers You Well
There are a lot of seniors who are struggling to pay their healthcare bills, and many of them actually avoid going to the doctor’s office or to the hospital because of the cost they know they will have to deal with. They lack the kind of healthcare coverage that they need, and this can keep them from being treated effectively for their medical problems.
If you are in a similar situation, then you might not realize just how beneficial and affordable Medicare Advantage can be. These plans are often competitively priced and are full of coverage that is relevant to the average senior. You can choose from different kinds of plans too, so you can find one that works well for your needs.
There are basic plans that will cover only the following expenses:
Medicare Part A (minus hospice care)
Medicare Part B
Emergency medical treatment
Urgently needed care
Within each of these items of coverage are a lot of different medical expenses and services. You can experience powerful coverage just from the most basic of Advantage plans.
There are other options as well, such as Part D Advantage plans that cover all of the basics, plus Medicare Part D drug plans. These can be useful for anyone who has prescription drugs or generic drugs that they regularly need throughout the year.
There are also Advantage plans that include routine checkup coverage. Included in that is coverage for some durable medical equipment like eyeglasses, hearing aids and other items that your doctor might recommend to you after a checkup. These plans can cover checkups for hearing, vision and general wellness.
Florida Blue Is a Great Choice
We can’t talk about every single medical insurance company that sells Medicare Advantage, but we do want to tell you about one of the better options out there. Some of the insurers will charge too much for these plans or will not give you much value for your money, but Florida Blue plans are a good deal. These are sold by the Florida extension of Blue Cross Blue Shield, and they will cover you well and be priced affordably. This is a company that is known for its reasonable rates and great customer service.
Florida Blue offers all sorts of member benefits that you can take advantage of as well. One that a lot of seniors will use is gym membership discounts. These can be as high as 50% off the regular price, and that makes it much easier to stay in shape and to find other people who are interested in living healthy so that you can stay motivated. Florida Blue Medicare Advantage plans for 2020 also include cover for optional medical procedures such as corrective eye surgery and more. You can enjoy huge discounts on services that won’t even be covered by other insurers, so this is why we recommend every senior at least look at what Florida Blue is offering.
Another reason to consider this insurer is because of their large network. They are actually one of the state’s biggest insurers, and that means that their network reaches most areas of the state. This is important when it comes to Medicare Advantage, as the coverage you get is determined by whether you are on the network or not.
Each insurance company has its own network, and you cannot get full coverage from your plan while you are outside the network. This is why you will want to choose your insurer carefully and choose your healthcare facility carefully. You want to be sure you are covered as much as possible and that you are getting your money’s worth.
If you take your Florida Blue Medicare Advantage plan to a healthcare facility in Florida that is not on Florida Blue’s network, then you will not get full coverage. It doesn’t matter that you are paying a monthly premium for your plan.
You do have some options for network coverage, though. We want to tell you about two primary ones that most people will be picking between.
The first one is the HMO option. You will see this listed in the name of the plan to tell you that it is what you are getting. An HMO plan option will cover you while you are on the network. Going outside of the network for your care with this kind of plan option means that you get no coverage whatsoever. The only exception to that is during an emergency when you may not have a choice as to where you go for treatment.
The other main option is the PPO plan. This Is listed in the name of the plan as well to identify what you are getting. It will cover you fully on the network and partially outside of the network. Because it covers you in more places and does more for you, it will be more expensive than the HMO plan, and you can see what the cost difference is here on our site by using our price comparison tool.
Just use our site to see what the costs are and to compare Florida Blue Medicare Advantage plans for 2020 to those Advantage plans of other insurance providers. This is very simple and quick to do, and it is a great way to save yourself some money and to have peace of mind about your coverage choice. You can feel good that you are getting a reasonably priced plan and that you are not being overcharged for your coverage when you use our site to compare prices.