AARP Medicare Advantage 2020
Not everyone needs the same kind of Medicare plan. There isn’t a best plan that fits every person just right. Instead, each senior will need to choose a plan that will fit their particular needs. The AARP Medicare Advantage 2020 plans are designed to fill a need and meet specific criteria for some seniors.
These are plans that are heavy on coverage and often light on the pocketbook, making them ideal for seniors who struggle to pay their medical bills each month or who are simply wanting the peace of mind afforded by a high coverage plan. With fewer options for Medicare Supplements than ever, seniors are now turning to Medicare Advantage to provide high coverage options for them.
What Is Medicare Advantage?
An Advantage plan is something that is designed by Medicare but customized by private insurers. AARP is one of those private insurers, and they may not get to decide what base coverage their Advantage plans will offer, but they can choose how much to charge for the plans, what kind of additional coverage will be offered beyond the required base coverage and what kind of customer benefits will be made available.
Advantage plans all have specific base coverage that they are required to offer seniors who sign up for them. Once you get a Medicare Advantage plan, you know you will at least have this coverage on your side. That would be all of the following:
Medicare Part A (except for hospice cover)
Medicare Part B
Emergency medical care
Urgently needed medical care
That’s just a few items, but within each of those is a wealth of coverage. For instance, emergency care can include cover for ER visits, lifesaving treatment, ambulance transport and more. Medicare Part B takes care of the majority of outpatient expenses, such as medications, doctor’s visits and more.
Advantage plans offer some powerful coverage and what we have talked about so far is just the base coverage. There is more that could be added onto the plans, and you will see private insurance carriers like AARP routinely add more coverage to their Advantage plans to make them stand out and to offer greater benefit to the consumer.
Some of that additional coverage could be drug coverage that goes beyond the basic Part B outpatient drug coverage. The powerful Medicare Part D drug plan is often included in Advantage plans.
Another item you will regular see with Advantage plans is checkup coverage, which will take care of checkups for vision, hearing, general wellness and more, and it can also include coverage for items that are prescribed to you at the checkup. This may cover eyeglasses or hearing aids and other prescription items.
Who Can Get Advantage Plans?
Medicare Advantage is made for seniors, and it covers the kind of expenses that they will often need to have covered. Like all Medicare plans, Advantage plans are reserved for those who are 65 or older or who qualify for Medicare through some other means than simply age. If you have an Original Medicare plan, also called a basic Medicare plan, then you will already qualify for Medicare Advantage. Some people qualify for Medicare but are not signed up for any of the plans, and if you have any questions about eligibility, then you can contact us to get some clarification.
Advantage plans may be available for most seniors, but they won’t be a good fit for everyone. When you consider AARP Medicare Advantage 2020, you will want to compare it to your needs and determine whether it is covering like you need to be covered. For some people, Medicare Advantage is simply too powerful or too expensive. It may make sense to look at some of the other Medicare plan options, like Medigap or Medicare Part D.
Medicare Advantage through AARP
Right now, AARP is partnered with United Healthcare to ensure that consumers are well covered no matter where they live or what their need is. This partnership brings with it access to new benefits like greater coverage and more discounts and membership programs. Now, seniors will have access to more medical professionals and healthcare facilities around the country while still enjoying all of AARP’s senior-focused benefits. These companies offer the best member perks of any private insurance provider when it comes to Medicare Advantage, and that’s why so many people choose them as their health insurance provider.
We said earlier that Medicare was sold privately, and that means that carriers like AARP can decide their own prices. AARP sets rates that are different from its competition, and you can use our site to see if theirs are higher or lower than the other carriers in your area. We will give you local rates so that you know the prices are relevant to you. These prices are updated as you search our site for them, so they are incredibly accurate.
Using our site to find prices and compare them amongst the different carriers will save you a ton of time. You don’t have to call up individual insurance companies and ask for rates. You can get all the information you need in one place by simply searching on our site. We will show you a list of quotes for your area, and that gives you the opportunity to see how different insurance providers compare to one another.
We think you should consider AARP as a potential insurance provider when it comes to Medicare Advantage. They have a lot to offer you and they are a respected insurance company within the industry. There plans often benefit their customers and save them money, and you may be able to experience some of that cost savings as well, all while being covered under a plan that gives you peace of mind.
AARP Medicare Advantage 2020 is a great option for a lot of seniors, so please take the time to look at what it has to offer you. Be sure to use our site to find the best rates.