Premera Medicare Advantage 2020
Many seniors can benefit from having extra health insurance for 2020. If you are looking for additional coverage, you might want to take a look at Medicare Advantage, particularly Premera Medicare Advantage 2020 plans. They are an ideal option for seniors who live in Washington State. Blue Cross Blue Shield (BCBS) provides the coverage.
Any coverage policy from Blue Cross is affordable. Customers rate its plans as high-value policy. The Premera MA plan has the support of Blue Cross and the personal touch of Premera. As you sign up with Premera, you will also enjoy its mental health coverage programs. It also offers helpful services that let you contact the nearest doctor in your area and ask for some medical advice. You can also reach the nearest pharmacy to help you refill your prescription medicines. The insurer offers other benefits that can help you stay in good health.
Medicare Advantage Coverage
Any Advantage policy has a set of standard coverage. Regardless of the plan you pick, it will have a base coverage. This base coverage would include the following:
Medicare Part A and B
Emergency medical treatments
Urgently needed treatments
MA plan does not cover hospice service because this coverage will still come from Medicare. But the base coverage will include other items that could make the plan more beneficial. For example, you can get a plan that has the entire Part D drug policy. In here, your prescription medication will be covered. It covers both generic and name brand versions.
However, not all medicines are covered. Some drugs are partially covered while others are fully covered. Plus, your routine checkups may also be covered depending on the plan you choose. These checkups would include vision, hearing and general wellness.
The insurer, where you will obtain the MA plan, will determine the kind of coverage you get. Each insurance company has its lineup of plans. But every plan has a base coverage. You should consider examining Premera’s offering, though. You might find a policy that works well for your situation. But make sure that you compare the coverage to your own medical care needs. From there, you can easily assess which plan is the most suited for you.
Cost of Premera Medicare Advantage
Medicare Advantage is not like Original Medicare when it comes to pricing. The reason for this is that it does not have a standard cost. Unlike basic Medicare, MA plans’ rates are set by the insurers that offer the plans. In that case, you can expect the rates to change at any time. Premera will change the rate if it deemed necessary.
You can talk to Premera representatives or agents to ask for quotes. However, the fastest way to get quotes so you can compare rates of a plan from one insurer to another is to use our free tool. This search tool lets you see a list of quotes for every plan that you are interested in. The list will include current rates specific to your area. It is an effective way to save money as you can quickly glance which insurer is overcharging its clients for particular coverage.
When you pick a Premera Medicare Advantage 2020 plan, you are responsible for the deductible. It means that you need to pay it using your own money. After paying it fully, your coverage will start. You can begin using it in your coverage area.
Besides deductible, you also have to pay for its corresponding monthly premium. The good thing here is that Premera offers its clients competitive pricing on all its plans. Nevertheless, it is still ideal that you use our free tool to compare rates. You can easily find a good deal on a coverage plan.
Signing Up for a Premera Advantage Plan
Before you can qualify for a Medicare Advantage plan, you must meet some of its qualifications. For one, you need to have an active Original Medicare. Then, you need to be 65 years old and a US citizen. You may also qualify for disability to become eligible for MA plans.
When you meet these requirements, you can apply for a Medicare Advantage policy. But you need to reside in the insurer’s network area. Premera has a limited coverage area, though. It only operates in the state of Washington. If you do not live in this state, then you are not eligible for its coverage.
However, if you used to live in Washington and has signed up for one of Premera’s MA plans, then you can take that plan to a new location, even outside the network. However, the plan has to be classified as PPO to get partial coverage for your treatment. Under PPO policy, you can get coverage within the insurer’s network or outside of it. Full coverage will only be given if you go within the insurer’s network.
If you spend a lot of time traveling, then you should opt for PPO. When you pick this plan, you can get treated in a medical facility that is not part of your insurer’s network. You will get some coverage. Even though it is more expensive, it is more flexible. Another network option for the MA plan is HMO. It can cover you within the network. It works better if you do not move a lot or you live in a place where on-network medical facilities are easily found. If you live in an urban area, then HMO is a great choice.
Premera Medicare Advantage 2020 plans can be in the form of HMO or PPO. If you are not sure which plan is ideal for you, please give us a call. Our health insurance experts will also let you know if you meet its eligibility requirements.
Compare 2020 Medicare Advantage Plans