Mutual of Omaha Medicare Advantage 2020
Medicare makes a number of different healthcare plans and allows other insurance carriers to sell them, but none of their plans are as powerful and as expansive as Medicare Advantage. When you can get that plan from a trusted provider, then you can enjoy stable rates and some superb customer perks on top of the base coverage. This is what many seniors will be getting with Mutual of Omaha Medicare Advantage 2020.
Your Medicare Advantage Plan Options
Advantage plans come with some basic coverage that they are all supposed to have, but many of them offer additional coverage as well. Mutual of Omaha has their own lineup of these plans, each one with a different set of coverage, and we want to tell you a bit about some of the options you could pick from. Maybe you will find a plan from this list that fits your needs well.
Let’s talk about the basic plan first. This would be the Medicare Part C plan that covers all of Medicare parts A and B, except for the hospice care that Part A will cover for you. This is essentially all of Original Medicare included as just a portion of the Advantage plan. The basic plan also covers the urgently needed medical care that you might receive, as well as any emergency care.
The other main type of plan is the Medicare Part D Advantage plan. This can go by a few different names, but it will always have the words “Part D” in it. With Part D Advantage plans, you get all the basic plan coverage we just mentioned, and you also get coverage for Medicare Part D, which is going to take care of many prescription drug costs for you. These two work together to provide complementary coverage that dismisses the need for any drug plan to be purchased separately.
The final type of Advantage plan we want to talk about will cover all the basic coverage as well, but it also adds on coverage for checkups. These would be annual checkups with a medical professional to check your hearing, your vision or just your general wellness. This can also include coverage for some medical paraphernalia that you might need, such as hearing aids or prescription glasses.
These are the primary Advantage plans, and you may find others in Mutual of Omaha’s lineup, but they will usually be combinations of some of these. Note that all the Advantage plans will include the same base coverage, so you can always count on that to be there.
What Mutual of Omaha Offers You
Medicare may design the baseline coverage for Medicare Advantage, but Mutual of Omaha often adds some benefits or perks to the plans. These could cover you for all sorts of different expenses you might not have thought to get coverage for, such as gym memberships, dieting plans, access to medical doctors by phone 24 hours a day and so much more. These perks will tend to be different from those of other companies, and this is one of the ways that the Mutual of Omaha Medicare Advantage 2020 plans and services stand out from the competition’s.
You should check out the full list of perks by visiting Mutual of Omaha’s website or by calling them over the phone and speaking to a customer representative. Those perks can be the deciding factor if you find that Mutual of Omaha has similar plans and prices to other insurance carriers.
Mutual of Omaha also has their own rates that are separate from those of other companies. These rates will change every so often. You can use our website and see what the rates are before you ever commit to a plan. You can also see how Mutual of Omaha compares to other insurers. You definitely want to do this if you are looking to get the best possible deal. Keep in mind that the rates change over time, so if you passed over Mutual of Omaha in the past, you may find that they are a better deal for 2020.
If you sign up for one of their plans, then you will get the same rates and the same coverage for the entire term of your plan. So, if you sign up during Open Enrollment for Medicare Advantage later on this year, then you will start to get coverage from that plan and start having to pay for coverage on January 1st. You get coverage for an entire year. Once that year is over, then you will need to either renew your plan to keep getting coverage or switch to another plan. You should check the rates at that point and see if renewal is really the best option. Keep in mind that returning customers often get reduced rates compared to new customers.
Do You Need Medicare Advantage from Mutual of Omaha?
Before you rush into any insurance plan, you want to first consider if it might be the right move for you. Once you sign up for a plan and agree to the terms created by the insurance carrier, then you will be locked into that agreement for the next year. It can be tough to get out of the plan or switch plans partway through the year, so make sure you are getting a coverage plan that applies to you and that tests your needs. Consider how the plan might be covering you over the coming year and if it might make sense to go with something else as your needs evolve.
If you need some help deciding between Mutual of Omaha Medicare Advantage 2020 and some of the other options, then please let us know. We would be happy to help you and to sort through your choices. We want you to get coverage that you can depend on and feel good about. The right plan, after all, could save you hundreds of dollars over the coming year and make your healthcare affordable and easy to manage.