Medicare Advantage Pennsylvania 2020
Medicare Advantage is available to all Pennsylvania residents who are also Medicare subscribers or who are eligible for Medicare. If you are not sure about your eligibility, then you can contact us or Medicare to find out. A Medicare Advantage Pennsylvania 2020 plan could be exactly what you need to cover your healthcare costs for the coming year.
What Happens when You Get a Medicare Advantage Plan?
Advantage plans are designed to be bigger and better than most other medical insurance plans out there. What that means is that they cover more and tend to save you more money, so long as you can use the kind of coverage that they have to offer. In other words, if you cannot benefit from all the coverage that Medicare Advantage will provide for you, it won’t actually be a cost-saving plan in your situation.
When you sign up for Medicare Advantage, you will definitely get the best coverage that these plans all carry. The addition optional coverage may or may not be there. It just depends on which kind of Advantage plan you picked. Some of them are simply the basic plan with only the required coverage included. Others are more robust and do more for you.
You will definitely benefit from the coverage for Medicare Part A and Part B, which is most of your inpatient and outpatient expenses and services. You will also be covered for any emergency treatment you receive and any urgently needed care that you require.
Beyond that, it will be up to the kind of plan you chose. You could be covered for medical expenses like prescription eyewear, prescription hearing aids, routine checkups or even a powerful prescription drug plan.
You will still be responsible or certain medical expenses outside of Medicare Advantage’s premium. You will have to pay the premium for Medicare Part B, for example. That could be covered by Medicaid, if you also qualify for that insurance plan, but you cannot have it covered by a Medicare Supplement. Supplement plans are not compatible with Medicare Advantage.
You will also be subject to certain restrictions and limitations and have to pay a deductible for the Advantage plan. The deductible varies from one insurance company to the next, so pay close attention to that cost to see how much you are responsible for before your coverage plan will kick in and help you.
Pennsylvania Residents Are Affected by Their Carrier’s Network Area
Any carrier you use to buy your Advantage plan from will be operating on a restricted network. That means that they cannot provide you with full coverage everywhere you choose to go for medical treatment, and you will need to be aware of how far your insurer’s network extends.
This is one of the limitations for Medicare Advantage. The network your insurance carrier operates on will include all of the medical facilities where its plans are honored. Outside of that, you should not expect full coverage from your plan.
There are some network options you can look at for Medicare Advantage Pennsylvania 2020, though. What most people sign up for is the HMO option. This is going to provide you standard coverage for whenever you go to a network facility and receive care. It does not cover you at all outside of the network. This is a simple, straightforward plan that is affordably priced.
The other primary option you have available to you is the PPO Advantage plan. This covers you fully on the network too, but it does more than that. It also offers you partial coverage outside of your network, and that can be quite handy when you don’t live in your carrier’s network area. The PPO plan will cost you more, so be aware of that.
The Cost of Medicare Advantage in Pennsylvania
Before you start looking too far into Medicare Advantage plans, you will want to know if they are affordable for you. Will they save you money on medical care or simply be a drag on your finances?
The average cost of a Medicare Advantage plan in Pennsylvania is about $40 a month. You can find some for a lot cheaper than that, though, with rates as low as $0 per month. Of course, those plans that have very low monthly premiums will come with higher deductibles for you to deal with to balance things out.
There are ton of different Advantage plans to choose from in Pennsylvania, and there are lots of insurance carriers that offer these plans with their own rates. They do not have to abide by any standard pricing format, so the rates can be all over the place. Just keep in mind that you can often get better member perks by choosing one of the higher cost plans.
These perks can include gym memberships for free, coverage for weight loss surgery, fitness programs, access to medical professionals and much more. Even if the monthly premium is a bit more, you can still save money by benefitting from all of these member perks that are included in the more expensive plan. You will want to factor all of that in as you make your purchasing decision.
Medicare Advantage costs are going change over time, so be sure you come back to our site every so often to see what the rates are and to see how much you could save by choosing different plan or upgrading your plan to something different.
You can sign up for Medicare Advantage Pennsylvania 2020 during this year’s Open Enrollment period. That will start on October 15th, and it goes until December 5th. After you sign up, you can start to be covered from January 1st of the following year. Don’t miss this signup period, if you are already eligible for Medicare Advantage. You won’t get another chance to sign up until the same enrollment period at the same time next year. By that time, you could be paying far too much for your medical care.
Compare Medicare Advantage for 2020