BCBS Medicare Advantage 2020
How will you protect yourself as you grow older and your healthcare costs increase? Most people experience more healthcare expenses as they age, and they also have to deal with the rising cost of healthcare treatment. When those two factors combine, medical care can become prohibitively expensive. It makes sense to have a medical insurance plan that limits those costs and makes healthcare treatment affordable. BCBS Medicare Advantage for 2020 may be the answer that some seniors are looking for.
We want to take some time to talk about these healthcare insurance policies and what they may be able to do for you. Our hope is that we will provide you with the information you need to make a more informed choice and to save money on your healthcare for the coming year.
What You Need to Know about BCBS Advantage Plans
Now, there are a lot of insurance companies selling Medicare Advantage plans. These are high coverage health insurance plans that often cost very little each month and offer a ton of cover for common medical expenses that are not often covered by other medical care plans. They have been designed by Medicare, but private insurance carriers like BCBS are allowed to sell them.
BCBS is one of many options when it comes to where you can purchase your Advantage plan from, and while they may not offer anything unique as far as coverage is concerned, they will be unique in their pricing, member benefits and coverage area.
BCBS is actually known as one of the most cost-conscious insurers. They work very hard to keep their costs low and pass those savings onto their customers. They may not spring for the hefty customer benefits that some of the other insurers do, but that often means cheaper monthly premiums for their clients. You would be hard-pressed to find another company with such consistently low prices on health insurance as BCBS.
You might know BCBS as Blue Cross Blue Shield or by some other local name. In Florida, the are known as Florida Blue, for example. It’s all the same company, and the larger organization is made up of many smaller insurance providers, and they all abide by the same methods of operations and customer service guidelines.
BCBS offers a unique coverage area. Any Advantage plan will be limited by the network of its insurance carrier. That network is made up of any medical facility or healthcare building that has accepted the insurance company’s plans. There are a lot of them on BCBS’ network, but not every medical facility will be part of its network. You need to be aware of how far the network extends and whether or not it covers you where you are at.
Even if you are not covered by BCBS in your local area, you can still get some of your plan’s coverage when you go for treatment outside the network while subscribed to one of BCBS’ plans. In order to do that, you have to choose a plan with PPO in the name. This means that you will get partial coverage outside the network. That is going to cost you a bit more than your standard plan, but it can be worth it to still receive some coverage with your plan while being treated outside of the network.
Why You May Want an Advantage Plan
One of the BCBS Medicare Advantage 2020 plans might be a really good fit for you. It may cover you in all the right places and leave you with very little that you need to pay out of pocket for healthcare. That would be a lifesaver for a lot of people and bring them peace of mind about their medical expenses. They would be more likely to go to the hospital when they actually need treatment instead of shying away because they worry that they might not be able to afford the care. It’s simply safer and healthier to have a good coverage plan, and for many people, Advantage plans are the best healthcare insurance plans available.
They cover medical expenses like inpatient and outpatient care, particularly hospital stays, doctor’s office visits, ER care, ambulance transport, emergency services of all kinds, some medications, medical tests, surgery, blood used during surgery, hospital supplies, rehab care, nursing care, therapy and even some mental health care.
Some of the Advantage plans that BCBS offers will go further than that and cover you for less common expenses or those expenses that are not so commonly covered by medical insurance plans. This could include any or all of the following:
Routine vision checkups
Routine hearing checkups
Routine general wellness checkups
Prescription hearing aids
Medicare Part D drug coverage plans
Look carefully at the options that BCBS is offering when it comes to Medicare Advantage plans. They will sell the very basic plans that cover just the essentials, but if you are willing to pay a bit more, you can get something far more robust that may be a better fit for you and may cover you better. You will want to compare what these plans offer to your own needs and where you are at in your life. You want to ensure that you get a suitable plan and not just a powerful plan that may be providing you with a lot of extra coverage you will never use.
If you weren’t sure about what plan to go with or whether Medicare Advantage is even right for you, then feel free to consult with us. We will be happy to work with you, provide you with professional insurance advice and even give you a list of quotes for medical insurance plans in your area. This can help you to save some money and to find a plan that works well for your healthcare needs and your budget. We want you to be well covered and to be able to afford the care that you need. BCBS Medicare Advantage 2020 may be able to do that for you, and you can use the free resources here on our site to know for sure.