Medicare Advantage Plans Pennsylvania 2020
The plans we want to tell you about here offer you coverage for the state of Pennsylvania, wherever your insurance company offers network cover. The Medicare Advantage plans for Pennsylvania in 2020 are really powerful coverage plans that offer healthcare insurance for seniors. If you have Original Medicare right now or some other medical insurance plan, and you are not happy with the level of coverage that you are receiving, then you may want to look into the Medicare Advantage plans.
We will tell you what these plans cover so you can get a good idea as to whether they might be right for you. We also want to show you what you need to do in order to apply for them and be eligible for an Advantage policy. Hopefully, this information will help you to make an informed decision when it comes time to pick your medical insurance plan.
Advantage Plans Can Cover You Well
You know your medical needs and your financial needs better than anyone. Consider the kinds of medical bills that you are having to pay for out of pocket that your current healthcare plan is not covering. How would you like those bills to be covered by an insurance policy and you just need to pay a single consolidated monthly premium for your insurance plan?
For a lot of people, that would be a great way to save some money, but they actually need to benefit from all or most of the coverage from the insurance plan for it to make sense for them to sign up. Let’s look then at what Medicare Advantage will do for you and what exactly it covers.
We want you to be aware that there are a few different Medicare Advantage plans. The basic ones will only cover you for Original Medicare (parts A and B) and for urgently needed care and emergency treatment. You will still get hospice care covered through part of Medicare from the Medicare organization, but the rest of your Medicare cover will be provided through your Medicare Advantage private insurance carrier.
There are lots of these carriers throughout Pennsylvania, and they all offer their own sets of Advantage plans and their own rates. We’ll tell you a bit later about how you can find out what the rates are and compare them in order to get the best deal.
The more robust Medicare Advantage plans will cover the cost of Medicare Part D, which is for prescription drugs and generic medications. Some of the higher coverage Advantage plans also cover the cost of various checkups and can help you with the cost of eyeglasses and hearing aids, among other things.
Which Pennsylvania Residents Can Sign Up?
Just because you live in Pennsylvania, that doesn’t mean that you are eligible for Medicare Advantage plans for Pennsylvania in 2020. You need to meet the short list of eligibility requirements to be approved for one of these plans. That means you need to be at least 65 years old and you need to be either a US citizen or a permanent resident. You can qualify earlier than 65 years old, if you have a disability or some other medical condition that qualifies for early approval. Check with us or with a Medicare agent to find out more.
Another factor that affects your eligibility would include other kinds of healthcare policies. Just about any medical insurance plan that comes from a union, trust fund or an employer will overlap with Medicare Advantage and not be compatible. Medicare Supplements are also not compatible because they overlap as well.
The Medicare Advantage plans are available during a specific period called Open Enrollment. On October 15th, Open Enrollment will start, and it won’t end until December 7th. This is your best opportunity to sign up, and if you miss applying during this window, then you will need to wait until Open Enrollment next year. Once you get approval for the plan you applied for, then you can start to receive coverage beginning on January 1st of the following year.
What Will Pennsylvania Residents Pay for Medicare Advantage?
One of the big questions we get from seniors in Pennsylvania is how much the plans are going to cost. In order for these plans to have much value, they have to be affordable to the consumer. These are often competitively priced plans, and the average price for Pennsylvania Medicare Advantage is about $70 per month. This is the monthly premium, and you may also have additional costs, such as the deductible. If you get a Part D Advantage plan, then the average price is going to be higher.
You will pay a different price at each insurance company, and you will want to compare their prices to ensure that you get a good deal and don’t overpay for your coverage. You can save a lot of money on Medicare Advantage by using a site like ours to source some quotes and then comparing those quotes to one another.
The prices will change periodically, and that usually means they will increase. You can find out what the new prices are before you have to renew your coverage or pick a new plan. Use our site to see what the rates are and to get a good idea as to which insurer offers the best prices. You can come back and use our site as often as you would like to make sure you stay up to date on the information.
Any of the Medicare Advantage plans for Pennsylvania in 2020 will potentially save you a lot of money. You need to choose the most suitable one for your needs, and as those needs change, then you will need to update your coverage with the right plan. If you have any questions, then don’t hesitate to get in touch with our team. We will help you any way that we can and answer any questions so that you can get an appropriate healthcare policy.