Cigna Medicare Advantage
Cigna sells a few different kinds of Medicare Advantage plans to help you get more coverage for your medical expenses than what you would get with a basic Medicare plan. You should consider Cigna Medicare Advantage, if you are not being covered adequately by your current plan or would like greater protection and greater peace of mind.
The reason most people sign up for medical insurance plans that are as powerful as Medicare Advantage is because they want to lower their annual healthcare costs or because they want to feel protected against the potential cost of unexpected medical care. It can be very expensive living as a senior and getting regular medical treatment. Just your checkups and medications can be so costly that you might not have much room in your budget for them, but Medicare Advantage can provide the coverage you need to get those expenses under control and still receive the healthcare services you require.
Some people actually go without necessary medical treatment and services because they fear they would not be able to afford it. They may miss their routine checkups due to the cost of copays and deductibles, and that can leave them in poor health or at risk for health complications.
Compare Medicare Advantage for 2020
Cigna Offers Powerful Coverage Plans
If you sign up with Cigna for one of their Medicare Advantage plans, then you can be covered for all sorts of expenses that you had to pay for out of pocket before. Or you could get additional coverage for some expenses and services that you paid partially for with your previous insurance plan. Medicare Advantage is designed to help you with the cost of regular medical expenses as well as the less common ones that can be prohibitively costly. Here is a breakdown of what Medicare Advantage can cover for you:
- Medicare Part A costs (except hospice services)
- Medicare Part B costs
- Urgently needed treatments
- Emergency medical services
This is all required coverage you will get with all of the Cigna Advantage plans. If you choose one of their higher coverage plans, though, then you can get all that as well as some extra coverage. This could include drug coverage with an added Medicare Part D drug plan. It could also include coverage for routine checkups for general wellness, for vision and for hearing, along with coverage for new eyeglasses and hearing aids.
Why Cigna Is a Good Choice
We wanted to highlight Cigna because of what they can do for the consumer. They can help you to save money by doing more than just offering this standard insurance. They also provide member perks at no extra cost that give their plans greater value.
Cigna provides you with the support of a helpful and experienced team. They will guide you through picking a plan and will help you once you have a plan, ensuring that you are being covered properly and that you fully understand your coverage. They can also answer any questions you have about health insurance in general.
Cigna offers some discount options, like their all-in-one plan. This will bring together all the benefits you would get from the different Medicare plan types and will save you money overall. You also get to enjoy added benefits at no additional cost, such as a fitness program, gym membership, health coaching and more.
Cigna keeps their costs low. They may not always have the very cheapest rates for health insurance, but the rates for Cigna Medicare Advantage are very competitive and affordable. You can check and see that they are right now if you use our site. Just search for the plan that you want, and you will get a list of results that are relevant for your area. You can see how Cigna compares to other major insurance companies in your area.
You can sometimes even get a Medicare Advantage that covers you well but costs you nothing per month. This kind of $0 premium plan will often have a higher deductible than normal to compensate, but it can give you peace of mind about your ongoing costs, keeping them low so that your healthcare and insurance are more affordable. This kind of plan helps you to save money by ensuring you only have to pay once you actually require the coverage, and then you pay nothing once the deductible is met.
Compare Medicare Advantage for 2020
Is Medicare Advantage Right for You?
You know what 2020 Medicare Advantage Plans do now, and you know how Cigna works for you, but are you sure that Medicare Advantage is the way forward for you? Not everyone needs this powerful medical insurance. It may be able to bring you peace of mind about how well you are covered, but it may also be too much for you. It’s important to consider how an insurance plan will affect you and meet your needs before you agree to its terms.
You’ll have to assess your situation in order to do that. Look at what you are paying for right now in regards to health insurance and healthcare. Determine if a Medicare Advantage plan is really going to lower those costs for you or if its coverage really applies to the kind of expenses that you can expect to have to deal with.
If you have questions about medical insurance and Medicare Advantage in particular, then we can help. Just give us a call and get expert advice about these topics from our friendly and helpful team. It costs you nothing, and you can find out whether Medicare Advantage is right for you.
Enrolling in Medicare Advantage
Cigna is going to offer their plans to the same people at the same time as every other instance company that sells Medicare Advantage. So, you can sign up for Medicare Advantage just before your 65th birthday. The three months before you turn 65 are when enrollment officially starts. You have up until three months after your 65th birthday until that enrollment window closes, though, so be aware of that.
What can you do if you miss that enrollment period? You will need to wait until the annual enrollment period comes around, from October 15th-December 7th. Be sure to apply in that time for your coverage to take effect on January 1st of the next year.
It’s pretty easy to enroll in Medicare Advantage, so long as you meet the eligibility requirements. You will need to be 65, in most cases. Some states let you apply early if you have disability. If you have a coverage plan that conflicts with Medicare Advantage, then you need to drop that before Medicare Advantage will provide you with any coverage. This includes any healthcare plan from your employer or union, as well as Medigap plans.
Be sure to use our site to find out what the rates are for Cigna Medicare Advantage. That is a good place to start if you are still trying to figure out if you can afford this kind of plan. You will see a few different quotes when you do that, and that can help you determine who has the best rate. Just keep in mind all the benefits that Cigna offers you for free if you choose them as your insurer.