Medicare’s Advantage plans are great for covering seniors in such a way as to give them peace of mind about their healthcare costs. The expense of healthcare in America is skyrocketing, and the only way many seniors can afford to pay for those costs and the care they need is to have the right insurance plan. As more and more people sign up for mandatory health insurance, medical are costs are only going to increase to compensate. AARP Medicare Advantage plans for 2020 help many senior citizens to feel relief from their healthcare expenses and enjoy peace about how they are going to be covered for the future.

Cut Healthcare Costs Using Medicare Advantage

We will talk about AARP and their plans specifically in a moment, but first we want to focus on the general Medicare Advantage plans and what they do. They all have basic coverage that is the same across each plan, no matter who is selling them. Insurance companies can add onto that base plan, but under Medicare’s guidelines, they have to have at least that basic coverage.

This base coverage consists of full Medicare coverage for parts A and B, except for hospice care. That hospice care is covered under Part A as its own plan, which accompanies Medicare Advantage. Under the Advantage plan, you will be covered for the standard inpatient and outpatient expenses of Medicare parts A and B. You also get coverage for any service or cost associated with urgently needed care or emergency medical treatment. This includes ambulatory care, emergency room services, lifesaving treatment, medications, tests and some therapy.

All of this coverage can cut your healthcare costs considerably, if you need it. Most seniors can benefit from this kind of coverage. Switching from a lower coverage plan to Medicare Advantage means that you will have less to pay out of pocket. You won’t have to worry about paying as much when you go for medical services and when you visit your doctor or the emergency room.

How much will you pay each month for Medicare Advantage? That’s going to depend on which plan you pick and which provider you use. AARP offers some plans that come with premiums as low as $0 per month. Now, if you get one of those $0 premiums, you can expect to pay a much higher deductible, but you could still be saving a considerable amount of money, especially if you are in relatively good health. The cost also varies by state, so some states will have a higher average cost than others per month for Advantage premiums. You can use our site to see what the rates are for your area. We give you a list of accurate and up-to-date quotes that you can use to compare prices and find the best deal. This costs nothing and will enable you to see how AARP Medicare Advantage plans for 2020 compare to the competition.

AARP Could Be a Great Insurance Provider

The reason we choose AARP to talk about here and not one of the other insurers is because AARP is very well respected and a favorite among seniors. The company has a distinctive senior focus, even though they have expanded their services in recent years to cater to a wide range of ages. AARP has also partnered with the insurance giant United Healthcare. Together, they provide a very large coverage area for their customers to benefit from.

That coverage area is essential to Medicare Advantage plans, as it determines where you get full coverage and where your plans are going be accepted. You can pay for a Medicare Advantage plan and not receive full coverage form that plan at some medical facilities, and you need to be aware of how far your insurance carrier’s coverage area extends. Check the coverage area of any provider before you sign up with them. You need to know that you will get your money’s worth from your plan and that you will be covered where you are.

If you live outside of AARP’s coverage area but would like to have one of their plans, then there are some options for you. You could sign up for what is known as a PPO plan, and this means that you get Medicare Advantage at a slightly higher rate and receive partial coverage outside of their network area. If you live in their network area, then you probably want to go with their lower cost HMO plan, which only covers you within the network area. You will get no coverage whatsoever if you step outside of AARP’s network area for healthcare services with an HMO plan.

AARP offers all sorts of customer benefits that could sway your favor toward them instead of another insurance provider. You can benefit from reduced rates on gym memberships, medical procedures and more. You can also enjoy access to medical doctors around the clock, always able to ask them questions and not have to visit the hospital personally each time you have a concern or just need some help.

Before you settle on a Medicare Advantage plan or any of the providers that sell them, you should look at your options. See how AARP compares to the competition and definitely consider them as an option. We think they are a good choice, even though they may not be for everyone. The more quotes you look at, insurance providers you compare and plans you debate over, the more likely you are to make an informed decision that will benefit you greatly for the coming year.

If you sign up for one of the AARP Medicare Advantage plans for 2020 and then decide later on that you don’t like it, then you can always change your plan to something else at some point. Once your plan’s term is over, you can decide to renew or change plans and find something that works well for you. If you have any questions or would like to learn more about Medicare Advantage and your other health insurance pitons, then please give us a call.