Kaiser Medicare Advantage 2020
Kaiser Permanente operates in eight different states and offers a number of great managed care health insurance plans for seniors. The Kaiser Medicare Advantage 2020 offerings are some of the most economical, and these are able to save seniors a lot of money, if they can use all the coverage that they come with.
Advantage plans are known for having a lot of coverage. They can actually replace all of Original Medicare and cover you for all emergency medical services and any healthcare treatment that is considered to be urgently needed. When you put all of that together, you have a robust plan that may not leave you much to pay out of pocket. That’s not even considering the additional optional coverage that these plans can come with.
Many Advantage plans include cover for generic and name brand drugs that your doctor prescribes, as well as for checkups with both your doctor and various specialists. Even your eyeglasses, hearing aids and other essential items can be covered under a Medicare Advantage plan.
The Benefits of Buying from Kaiser
Choosing Kaiser as your insurance carrier for Medicare Advantage means that you can benefit from their pricing, their member benefits and the network coverage that they have to offer. You also get customer service from this company, which may not seem like an important component in choosing a medical insurance plan, but it will become more important to you the longer you stay with an insurance provider. You may want to read some customer reviews on Kaiser or any other insurers you are looking at to see how the clients rate them.
Kaiser’s prices are fairly competitive, and our site will list the prices for Advantage plans, along with the rates from other insurers in your local area. Whenever you perform a rate search on our site, you get local rates for multiple insurers, and this tells you at a glance what they all charge, making it really easy to compare them and find a good deal.
Kaiser has a limited coverage area, and while they are the largest managed care provider in the country, they aren’t going to be able to offer you full coverage everywhere you go for healthcare. There will simply be some hospitals, clinics and other healthcare facilities where their plans are not honored, but you can do something about that. You don’t simply have to accept that you will receive no coverage. Kaiser offers a plan option known as a PPO plan. This lets you get partial coverage outside of their network area. As you might imagine, you will have to pay a bit more for that kind of coverage, but it can be well worth it if you live outside their network area.
Most people choose what is known as an HMO plan option. This is cheaper than the PPO, but it only covers you inside of Kaiser’s network. There are some other plan options available as well that determine how your network coverage works, but most people will not be eligible for those, and many insurance companies primarily offer just HMOs and PPOs.
How You Can Sign Up for Medicare Advantage
If you are interested in enrolling in a Kaiser Medicare advantage 2020 insurance policy, then you can do so once you meet the eligibility requirements and once Open Enrollment comes around. You become eligible after you turn age 65 and are a US citizen. Permanent residents can sign up for these plans as well, but they have to have resided in the United States for at least five consecutive years.
The Open Enrollment period comes each year and starts on October 15th. It will last until December 7th, and if you don’t sign up in that period, then you have to wait until the next enrollment period the following year. The dates are usually the same for these enrollment windows.
You have to be careful about overlapping coverage from any existing healthcare insurance plans you may have. If you are currently signed up for a Medicare Supplement or any healthcare from your union or employer, then you will probably have to drop that plan in order to make room for the Medicare Advantage plan. Kaiser’s Advantage plans all overlap with these other kinds of plans, in most cases, and you can’t be signed up for the same kind of coverage twice.
It’s fine if you have an Original Medicare plan, though, as those are compatible with Advantage policies. Some Advantage plans include Medicare Part D coverage, and if that is the case, then you cannot have a separate Part D plan at the same time.
The Cost of Kaiser’s Advantage Plans
Advantage plans all come with two expenses- the premium and the deductible. You’ll have to pay the premium each month, and that cost can vary wildly depending on what kind of Advantage plan you get, where you live and who you buy the plan from. You can use our site to see how Kaiser’s prices match up with the competition’s. Be sure to spend some time sourcing quotes before you make a purchasing decision, as this helps you find the right price and not overpay for coverage that you need. Often, there are many different rates available for plans with identical coverage, so don’t give up on the coverage that you need just because you are not seeing an affordable rate for it. If Kaiser doesn’t sell the plan at a price that works for you, then keep on looking, and our site is the easiest way to get a lot of quotes to compare at once.
The prices will go up in time, so be sure to check back with us and see where those rates are at before you sign up for a new plan or renew your pans. The Kaiser Medicare Advantage 2020 rates are available for you to check right now, so if you are eligible for one of these plans, then you can start mapping out your next coverage plan purchase right here.