Medicare Advantage California 2020
You have more options for Medicare Part A and Part B coverage than just through Original Medicare. You can be covered for those common inpatient and outpatient healthcare services with a Medicare Advantage plan as well. This kind of coverage plan is able to take care of numerous expenses not covered by other plans, and California residents can benefit from its powerful protection. We want to discuss with you a little about Medicare Advantage California 2020 and how it works. You may just be able to save some money with one of these health insurance policies.
How California Resident Benefit from Medicare Advantage
There are a few different kinds of plans that fall into the Advantage classification. They all share some base coverage that Medicare has designed for the sake of simplicity and consumer convenience. That means you can always count on Medicare Advantage plans to offer you a certain amount of coverage.
This baseline coverage includes all of the following:
Medicare Part A- covering you for all the basic inpatient expenses except for hospice care. This includes cover for hospital stays, rehab center stays and other similar expenses.
Medicare Part B- covering all of the outpatient care costs that are normally covered by Original Medicare, including the cost of doctor’s visits, some medications and more
Urgently Needed Treatment- covering any medical services that your healthcare provider classifies as urgently needed, which can include medications, tests, surgeries and various other services
Emergency Medical Treatment- covering you for lifesaving treatment like ambulance care and emergency room services
All Medicare Advantage plans sold in the state of California have to offer at least this coverage, and many of them do much more than that. You will find that a lot of Advantage policies will cover all of this plus Medicare Part D drug plans. These are powerful prescription drug coverage plans that include both generic and brand name drugs, though they tend to cover the generic drugs a whole lot more than the more expensive brand name ones.
You will also find that many Advantage plans will cover seniors for their checkups for the year, including checkups for general wellness and more specific checkups for hearing, vision and more.
How California Residents Can Sign Up
So, how do you get one of these powerful medical insurance plans? You simply have to meet very basic eligibility requirements. You have to be 65 years or older or have a qualifying medical condition. You also have to be a US citizen or a permanent resident who has resided in the country for at least five consecutive years. By that point in most people’s lives, they are already signed up for Original Medicare, whether manually or automatically. If that is the case, then you should have no problem being approved for the Medicare Advantage plan that you want, since the approval and eligibility runs through the same government organization.
Medicare Advantage California 2020 will only be accessible during this year’s Open Enrollment period. Depending on when you are reading this, it may have already started. It begins on October 15th each year, and it doesn’t end until December 7th. During this Open Enrollment window, you are able to sign up for a new plan, renew your current plan, change out to another plan, cancel your current plan or upgrade to a more powerful version of your plan. That means this enrollment period is not just for new subscribers. It is also for those who already have a Medicare Advantage plan.
If you have another kind of medical insurance plan, then you need to be aware of how it can interact with and affect your Advantage approval. There are some medical insurance plans that will prevent you from receiving coverage from a Medicare Advantage plan. Medicare Supplements, for instance, are not compatible with Medicare Advantage. They overlap in their coverage, meaning you would be paying for some expenses twice, and that isn’t allowed. Most union and employer plans will overlap as well, and you will have to decide as to which of the plans you want to keep.
Medicare Advantage works well with Medicare Part D, but when Part D is already included in your Advantage coverage, you cannot sign up got a second Part D plan. You can only have one of those at a time. Advantage plans work well with Original Medicare too, and they are compatible with Medicaid, if you qualify for both.
Medicare Advantage Won’t Work Everywhere in California
When you sign up for a Medicare Advantage plan, you are doing so through a private insurer. These insurers will have a lot to offer you, but you need to know that they all have limited coverage areas. These coverage areas are their network, which is made up of any clinic or hospital or other medical building where healthcare services are offered. Outside of that particular insurance carrier’s network, your plan will not offer you full coverage. You can get some partial coverage, though, if you choose the right kind of network option.
When you look at the available plans from a given insurance carrier, you will see that they are named with some initials, such as PPO and HMO. This tells you what kind of coverage option you are getting and how the plan will interact with the carrier’s network. HMO plans are what most people will go with. These offer full coverage inside the network and no coverage outside of it. PPO plans will cost seniors a bit more, but they offer full network coverage and partial coverage for outside of the network.
You can find out alto these options for Medicare Advantage California 2020, as well as some other ones that may be available to you by using our site. We offer a free search tool for you to use that allows you to compare rates and plans and see which provider has the best deal. You can keep your costs low and be well covered for the coming year, if you make use of free resources like these.
Compare Medicare Advantage for 2020