Blue Cross Blue Shield Medicare Advantage 2020
The coverage provided by a Medicare Advantage plan can be exactly what many seniors need in order to be fully covered for their medical expenses. Or it could be enough coverage that some people have to pay very little out of pocket for the healthcare services that they receive throughout the year. The Blue Cross Blue Shield Medicare Advantage 2020 plans are a great deal for many seniors, so read on it find out if they might be right for you.
What Coverage Is Being Offered?
In order to find out if this kind of plan is a good fit for your particular health insurance needs, you will need to know what these plans offer. There is a basic Advantage plan with guaranteed coverage, as well as some higher coverage ones that are meant for people with more serious health conditions or extensive healthcare needs.
Medicare Advantage plans are all designed with coverage for Medicare Part A and Part B, which is going to cover you for most inpatient and outpatient expenses. There will still be deductibles, copayments and other marginal expenses to pay, but most of that Part A and Part B-related costs will be covered. What the basic plans also cover is emergency medical care and urgently needed care. That includes any kind of life-saving treatment or treatment that can help you to avoid life-threatening problems. So, many of your ER visits, ambulance services, medical tests and even some medications will be covered by this extensive set of healthcare items.
That’s all part of the basic plan, and there are more robust Advantage plans as well, as we mentioned. These can include coverage for primarily Part D prescription drug plans and various checkups. That covers a lot of ground for you, and it can include services like vision or hearing checkups, as well as the cost of a new pair of eyeglasses or a hearing aid.
Advantage plans may not cooperate with other insurance plans that you currently have. If you have Original Medicare, then that is fine. You will simply receive that same coverage (plus extra) from your new provider. In this case, that would be Blue Cross Blue Shield. If you have a Supplement plan, a union plan or an employer healthcare plan, though, you will probably have to cancel that plan in order to sign up for an Advantage plan. There will likely be some overlap there that needs to be dealt with, and you are not allowed to pay for the same coverage twice, even if that coverage is minimal.
Since Part D is included in some Advantage plans, you cannot have a standalone Part D plan as well. So, you will either need to get Part D coverage from your Advantage plan or from a standalone plan, but not both.
How Blue Cross Blue Shield Works for You
We do recommend Blue Cross Blue Shield (BCBS) to a lot of people. We think they make for a great insurance company, and not just because they offer some of the most affordable Advantage plans. The Blue Cross Blue Shield Medicare Advantage 2020 plans are among the most competitively priced plans of their kind that you can find. You can use our website to see how they rank against other Advantage plans, and we think you will see that they are definitely some of the cheapest.
That doesn’t mean that Blue Cross Blue Shield will offer nothing else, though, simply to save on their costs. No, they do a pretty good job of providing member benefits, but they won’t offer anything as robust or as expansive as some of the larger competing insurance companies. They shine in other ways, like with their customer service. They do an excellent job of taking care of their clients and providing fast and friendly service. This is part of why so many seniors love them for their insurer. They want a company that respects their needs and that is attentive and that will listen to their requests. BCBS does that very well.
Blue Cross Blue Shield is actually made up of a number of small companies. And these companies will offer seniors the same level of care as the primary company. The difference is simply in localized names. You may find this company goes by a bunch of different names, depending on where they are located. It’s all still the same company, though.
The Network Dilemma
No matter who you buy your Advantage plan from, you will need to pay attention to the network area. BCBS has its own network that it operates on, and this determines where full coverage is offered. They will not be able to offer you full coverage if you go outside of their network for your healthcare services. You only get that inside their network. Of course, the network is made up of any clinic, hospital and doctor’s office that has accepted their plans.
The HMO is the network option the most people will pick. It offers full coverage inside the network and is affordably priced. It’s simple and works well for most people. The PPO plan is another option that you need to be aware of, though. It will cover you both inside and outside the network. PPO plans cost more and only offer partial coverage outside the network, but they can be the best option for people who are located outside of their insurer’s network area.
Blue Cross Blue Shield Medicare Advantage 2020 plans are worth considering for any senior who could use some extra coverage. These plans go farther than a lot of the competing options, and they can often be very affordable. Find out just how affordable they are by using our site and the price comparison tools that we offer here for free. You can also talk to our insurance experts to get advice and to find out what your best option is for the coming year.
Compare Medicare Advantage for 2020