Medicare Advantage Plans Pennsylvania 2020
Pennsylvania residents can enjoy the comprehensive coverage offered by Medicare Advantage. These plans are able to cover a number of different medical expenses and could save seniors hundreds of dollars or more on their healthcare over the year. Medicare Advantage plans in Pennsylvania for 2020 are worth looking into for any senior, and we want to discuss a bit about them here.
Who Can Sign Up for These Plans?
The good thing about Advantage plans is that they are very accessible. As long as you are 65 years old, you should have no problem meeting the eligibility requirements. You usually need to sign up for them during Open Enrollment, and that runs from October 15th until December 7th. In that period, you can get just about any Advantage plan you like and enjoy some of the best rates on the plans. Once you sign up, the plan will go into effect on January 1st the following year.
Advantage plans may not be valid for people who have overlapping coverage. If you have a Medicare Supplement plan or a healthcare plan from your employer or a union, then you might have to drop that in order to receive coverage from an Advantage plan. You simply are not allowed to have any overlapping coverage, as that would mean you are paying for some of the same coverage twice, and Medicare does not permit that. Look at your current coverage carefully before you apply for an Advantage plan. You can still apply and maybe even get approved while you have overlapping coverage, but don’t expect the Advantage plan to start covering you until you get rid of the other plan.
This kind of coverage plan is compatible with some kinds of healthcare policies. They work fine with Original Medicare, as they simply replace that plan with some of the same coverage and provide Original Medicare through your insurance provider rather than through Medicare. They are also compatible with Medicare Part D plans, so long as the Advantage plan does not also include Part D coverage. Some of them do, so watch for that as you are choosing plans.
How Well Will You Be Covered?
Medicare Advantage plans can benefit you in so many ways. They cover expenses that are common to lots of seniors, so if you are struggling to pay for some of your healthcare right now, then you may want to consider one of these plans. They take all the Original Medicare coverage and add onto it, creating a robust plan that will work well for most people.
Let’s look at exactly what these plans will cover. First of all, the basic coverage is for all of Medicare Part A and Part B. It also includes coverage for any emergency medical services you need and all urgently needed care. All of that is wrapped up in the basic plan, and there are other, higher coverage Advantage plans available as well. These can cover you for expenses like prescription drugs (with Medicare Part D) and your annual checkups with various medical professionals.
Where Can You Get Advantage Plans from?
Medicare Advantage plans for Pennsylvania in 2020 are sold by private insurance carriers. These include names you may already know like Cigna, Mutual of Omaha, United Healthcare, AARP, Aetna and others. These are all major, national insurance providers, and there are many other local carriers too that offer these plans solely within Pennsylvania.
They typically all offer a small lineup of the plans, usually selling a basic plan, a Part D plan and some other variations. The coverage tends to be pretty much the same across the different insurance carriers, so what sets the lineups apart from one another are the prices and the member perks. The rates are set by the insurance carriers. They can decide how much they charge and when they want to change the price on the plans. Once you have a subscription to one of their plans, they cannot change the price on you while your plan is active. Once the plan expires, though, after a full year of coverage, you may be subject to new, higher prices. At that point, you will want to look at some other options and see if there is a cheaper, better plan for you.
Medicare Advantage plans are often attached to some great member benefits, and these can include perks such as discounts on various services, online prescription refills, access to medical doctors at any hour of the day and personalized healthy living plans. The kinds of perks are pretty spectacular, and you will want to check those out before you make your decision. It could sway you one way or another.
Can I Be Covered Anywhere?
There is some confusion regarding Medicare Advantage plans and the extent of healthcare costs that they will cover. Some seniors are under the impression that no matter which healthcare facility they visit, they will be covered by their plan. That’s not true, though, and the plans are all limited by the insurance provider’s network.
If you buy your Pennsylvania Medicare Advantage plan from AARP, for example, you can rely on their large network to cover you in most places. However, they do not have coverage agreements with every single hospital, doctor’s office, pharmacy and clinic in the state of Pennsylvania. That means that there will be some places in the state where your coverage is not valid or where you will not receive full coverage. You can remedy that problem, however, just by picking the right plan option and give yourself a way to receive at least some coverage.
Medicare Advantage plans are often sold with either PPO or HMO options, and what this does is provide you with some coverage in specific ways. PPOs will be Medicare Advantage plans for Pennsylvania in 2020 that cover you partially outside the network, along with full coverage in the network. They cost more than HMOs, which cover you only inside the network. Look at both of these options as you try to make the right decision for coverage.