AARP Medicare Advantage 2020
Advantage plans offer you a different way to get your Original Medicare coverage. This covers Medicare parts A and B, just like the basic Medicare plan does, but they also offer more coverage on top of that. The AARP Medicare Advantage 2020 plans are powerful enough that they can leave seniors with very little to pay out of their own pockets for their healthcare.
Imagine not having to pay any medical bills each year or having to pay very little. This is what you can experience if you sign up for the right Medicare Advantage plans. These healthcare policies are designed to give you the kind of coverage you can’t get anywhere else, and they are some of the most robust and comprehensive coverage plans available.
Advantage Plans Give You Tons of Coverage
Most seniors are familiar with Original Medicare and its straightforward coverage. This plan is designed by the government and sold by the government as well, and it will cover you for all of Medicare Part A and Medicare Part B. It leaves you some copayments and deductibles and such to pay on your own, but it does a good job of covering the inpatient and outpatient expenses for you.
Advantage plans will take that coverage and add onto it. Advantage plans are sold by private insurance carriers like AARP and offer coverage for urgently needed medical care and emergency healthcare services.
This coverage is all included in the basic Advantage plan that every insurer will be offering. Many times, Advantage plans offer additional coverage that they are not required to. This could be cover for routine checkups, such as for your hearing or vision. It could also cover some durable medical equipment, including prescription eyeglasses and hearing aids. It could cover prescription drugs too, under the Medicare Part D plan, which is a part of many Medicare Advantage plans.
If you had all of this coverage combined in one plan, what would be left for you to pay out of pocket? For most people, the answer would be practically nothing, which is why you can easily see why the Advantage plans have their name. They really do give you an advantage over other medical insurance plans.
AARP as an Advantage Carrier
Now, let’s look at what Medicare Advantage plans would be like through a provider like AARP. Advantage plans are limited by their network, and that basically means that there will be some medical facilities that will not accept your coverage plan because of the provider that you chose. AARP has a large network that extends across much of the United States, but they cannot possibly cover you everywhere. You should know if their network is available in your area before you sign up with them. It would be a shame to subscribe to AARP Medicare Advantage for 2020 and then not be covered in your local area by that plan.
If you want an AARP policy but they have no coverage for your area, then you need to pick one that says “PPO” in the name. What this will do is cover you partially outside of AARP’s network. If you live inside the network, then you can get a cheaper plan like an HMO one that only covers you for network services.
AARP offers a wealth of member perks, and these will not cost you anything. These perks can include services like 24-hour access to medical doctors, healthy living plans that are personalized to you, gym memberships or discounts and other benefits. Check with them to see what they offer and consider those perks as you try to find a suitable plan that is a good deal for you.
Advantage Plans’ Compatibility
You can’t get a Medicare Advantage plan to work well with any insurance plan. It is designed to offer powerful coverage, and that means it will overlap with some of the plans that seniors already have. If you are signed up for a Medicare Supplement or any coverage plan from your employer or your union, then you likely will not be able to sign up for an Advantage plan. You will have to decide between one plan or the other.
Advantage plans are compatible with basic Medicare, though. They simply replace that plan and you get your Medicare coverage for Part B and most of Part A through your new insurer, such as through AARP.
They may not always be compatible with Medicare Part D plans, though. We mentioned that many Advantage plans include Part D prescription drugs coverage in what they offer. These will have “Part D” in the name, and you won’t be able to have two Part D plans at the same time. This prescription drug plan is something that you can only sign up for from one provider, so make sure you don’t already have it before you get an Advantage plan that includes it.
If you unsure about whether your current plan is compatible with Medicare Advantage, then please consult with us. We will be happy to let you know which plans work and which ones don’t with your current coverage or with any future coverage you are planning on signing up for.
Advantage Plan Eligibility
If you want to meet the eligibility required for AARP Advantage plans, then you need to be at least 65 years old and be a US citizen. You can also be a permanent resident who has been in the US for at least five consecutive years.
AARP Medicare Advantage 2020 is available for signups during Open Enrollment. This will start on October 1th this year and will finish on December 7th. This is definitely your best time to sign up for these plans, as you get guaranteed approval and the lowest rates. If you fail to sign up during time this year, then you can simply wait until the same Open Enrollment period next year. This comes around each year to give you an opportunity to sign up for one of these coverage plans.