Kaiser Medicare Advantage Plans 2020
In order to get Medicare Part A and Medicare Part B coverage, you need to either sign up for basic Medicare or get a Medicare Advantage plan. The difference between these two options is that Medicare Advantage will cover you for much more than just parts A and B of Medicare. If you get one of the Kaiser Medicare Advantage plans for 2020, then you can enjoy that extensive coverage as well as all the member benefits that Kaiser Permanente offers.
How to Sign Up
Anyone who is already eligible for Medicare’s basic plan and for Medicaid can get one of the Kaiser Permanent Advantage plans. These plans are available to anyone who is 65 or older and who is also a permanent resident or a US citizen. If you have a disability, they you may be able to sign up even earlier.
You should be aware that there are some insurance plans that will conflict with Medicare Advantage, and you may not be able to sign up for the plan you want if you have one of those coverage policies. The list of conflicting plans includes all of the following:
Union healthcare plans
Trust fund healthcare plans
Employer healthcare plans
Now, if you sign up for Kaiser’s Medicare Advantage Plus plan, then this will conflict with a Medicare Part D drug plan. That’s because the Plus plan already includes Part D in it, so you would end up with overlapping coverage and would be paying for the same coverage twice, and that is simply not allowed.
If you are not sure about eligibility and whether the plan you have is compatible with Medicare Advantage, then you can always talk to us. Our team of experienced healthcare insurance professionals will be able to answer your questions and help you figure out what your options are. You can also talk to a Medicare agent for clarification about these topics.
Anyone looking to sign up for a Medicare Advantage plan from any insurance company will need to sign up for the plan during the Open Enrollment period. This period begins on October 15 this year and runs until December 7th. You have to sign up during that window if you want your coverage to start on January 1st for 2020. If you miss that window, then you can always sign up again during next year’s enrollment period. It’s okay if you have a conflicting plan right now and during enrollment time. You simply cannot have that conflicting coverage to be active once the Advantage plan coverage starts. Otherwise, you will have to cancel one of the two plans.
What You’ll Be Covered for
Let’s take a look now at what Medicare Advantage can do for you. There is the basic plan that is going to offer you coverage that gets included in every Advantage plan. This would be all the following coverage items:
Medicare Part A (with the exception of hospice care)
Medicare Part B
All healthcare services classified as urgently needed
Any medical service considered to be emergency care (ER visits, ambulance care, lifesaving treatment, etc.)
While the basic plan is pretty powerful and expansive, the Plus plans go further for you. If you get one of the Kaiser Medicare Advantage plans for 2020 with the Plus designation, then you can be covered for expenses like routine checkups for your dental, hearing and vision issues. You can also be covered for Medicare Part D, which is a prescription and generic drug plan. There are a few different Plus plans to pick from, so make sure you know exactly what you are getting and what you are going to be covered for.
Once again, watch out for conflicting coverage. It’s okay if you have a basic Medicare plan at the time you apply for Medicare Advantage. The Advantage plan will simply take over offering you the majority of that coverage and you will begin to get Original Medicare cover through Kaiser or whoever your insurance provider is.
When we talk about coverage, we also have to mention the network. Your plan will not be fully valid and provide you with full coverage if you go outside of Kaiser’s network for healthcare services. The plans are designed to offer you full coverage within the network. That would be at any pharmacy, hospital, clinic, doctor’s office or any other medical facility that honors Kaiser’s coverage plans.
You can choose from different network options to make this work better for you, though. PPO options will provide you with some partial coverage outside of the network. They can be a bit pricey, but they are very helpful for ensuring that you are covered no matter where you go for treatment. HMO options only cover you on the network, but they are much cheaper and may be a better choice for people who live within the network area.
How Kaiser Permanente Adds Value
Kaiser does a pretty good job of offering its members some perks and benefits that add value to their coverage plans. They own many pharmacies, so they can give discounts there and provide members with a full directory of where to find those pharmacies. Kaiser also offers discounts for various medical procedures and services that are not part of the Advantage plan coverage. These come at no extra cost to you.
Kaisers rates are pretty complete, and you can see just how they compare if you use our site and the free quote tool we offer here. The rates change periodically, so keep checking back to see where they are at. You may just be able to grab a great deal from either Kaiser or another insurance company.
If you would like one of the Kaiser Medicare Advantage plans for 2020, then contact us today or start using our site to sources quotes. You can get a good idea of what these plans offer you and how they might work with your budget, and that’s a good starting point for getting the kind of coverage that you need.
Compare Medicare Advantage for 2020