Medicare Advantage 2020
Medicare has created a very extensive coverage plan in Medicare Advantage 2020. This type of plan was initially designed to cover seniors better than any other Medicare plan, and it still does that for 2020. You won’t find a more robust lineup among the Medicare plans. Advantage plans manage to take all the coverage provided by the basic Medicare policy and add onto it, creating a powerful kind of plan that seniors with serious healthcare needs can appreciate and feel peace of mind with.
Anyone who has struggled to pay their medical bills while on the basic Medicare plan will feel some relief with these plans. Anyone who has been hesitant to go to the doctor’s office or the clinic because they are unsure if they will be able to afford it will appreciate what Advantage plans have to offer.
What Are Advantage Plans Offering?
We said already that Advantage plans cover all of basic Medicare and more. That specifically means that they will cover you for all of Medicare Part A and Part B, which are your basic inpatient and outpatient expenses. This includes all kinds of medical services, and you can look at Medicare’s own website to get a rundown of what that might entail and how well the basic plan covers you.
Advantage plans do more than just basic Medicare coverage, though. They also take care of the cost of emergency services like ER visits and ambulatory care. Lifesaving treatment is included in that coverage as well.
On top of emergency care, Advantage plans will also offer you urgently needed care. This can include a wide variety of things, and it is considered to be situational coverage. That means what it actually covers will vary based on the situation. It may not cover all of your prescription medication, but if some medication is urgently needed, as classified by your healthcare provider, then it could be covered.
All of this coverage we have talked about so far is included in the basic Advantage plan. This is all guaranteed coverage, which mean that no matter what kind of Advantage plan you get or how much you pay for the plan, you always get this coverage.
Many of the Advantage plans will cover you in addition to all this basic coverage, though. They may cover the cost of checkups with your healthcare provider or with specialists. So, general wellness checkups, as well as checkups for your eyes and hearing, could be covered. If the checkup results in a prescription for eyeglasses, a hearing aid or some similar apparatus, then that could be covered too.
Many Advantage plans will also cover the Medicare Part D plan. This is a prescription drug plan that will take care of many of your medication costs, and how much it covers depends on where you get your Part D and Advantage coverage from. The various insurance companies offer their own version of Part D- all covering common prescription drugs but covering them in different amounts. Check to make sure that any Medicare Advantage 2020 plan you sign up for includes relevant coverage that you can use.
The Network Controls Your Coverage
You might think that once you have one of these powerful Medicare Advantage plans that you could go to any medical facility in the United States and receive coverage. That’s not so, however, as all Advantage plans are limited by their network area. The network area is made up if any hospitals, clinics and other healthcare facilities that are partnered with your insurance company. Many of these facilities are partnered with a large number of insurance companies, so it’s pretty easy to find ones that will work with any kind of Advantage plan provider you choose.
However, there will be places in the United States where the network is sparse and it is difficult to find coverage with your plan. You will mostly see this happen in rural areas, such as the countryside, where healthcare facilities are fewer and farther between. If you live in the city or some other well populated area, then you will usually have no trouble finding network coverage for your plan.
You do have some options regarding your Medicare Advantage plan and the network limitations that it comes with. You can choose to sign up for an Advantage plan that is only going to cover you on the network. This is the standard option and the one that most people will pick. It’s affordable and works well in most areas of the country. It is called an HMO, and you will see that label on the name of the plan to clearly denote that this is what you are getting. The HMO covers you only on the network and will never cover you outside your insurance provider’s network unless you have a medical emergency.
Let’s say that you want to get coverage when you go outside the network because you live in a rural area or you travel often and never know where you will end up. In that case, you my want to choose a PPO option. This will cover you fully within your insurer’s network, but it also covers you outside the network, though only partially there. You can get coverage anywhere with a PPO plan, and that added network coverage area means that this is a more expensive plan. You can compare it and your other options here on our site and see which is the most affordable one for you.
In some cases, the PPO is the more economical option. It may cost more upfront, but you can save money by being covered by the PPO plan in your local area. This prevents you from having to pay out of pocket for your medical care all the time, as that could be a major drain on your finances. Check out the full selection of Medicare Advantage 2020 plans here on our site and see if there might be one that is right for you.