Medicare Advantage Plans California 2020
In California, there are so many different options for seniors who would like some healthcare coverage. Seniors don’t have to struggle to pay their medical care costs each month, if they take advantage of the health insurance plans that are available to them. From Medicaid to Medigap to Original Medicare and more, there are a number of options that are designed to meet seniors where they are at and to ensure that their healthcare is affordable. Medicare Advantage plans for California in 2020 are a great option and one that seniors should be willing to at least consider.
These are plans that cover more than most, taking care of essential healthcare costs and services while keeping their rates low enough to be attractive for those who have been paying a lot for monthly healthcare bills. If you have been struggling to pay your out-of-pocket costs or you have a high monthly premium that worries you, then Medicare Advantage is designed for you.
Medicare Advantage Coverage
Let’s take a look at what Medicare Advantage could be covering for you. This may help you decide whether or not this kind of plan is a good choice for you.
All of the different Advantage plans offer you coverage for any emergency medical services that you require throughout the year. You have to pay the requisite deductible first, but you can be otherwise covered for any ER visits, ambulatory care and other medical services that fall into the emergency classification.
You’ll also be covered by your Advantage plan for urgently needed care. This can include medical tests, medications, surgery, and a variety of other healthcare services. What is considered urgently needed will be determined by your healthcare professional. You cannot simply elect for healthcare service without a doctor recommendation and expect the services to be covered with this item from your Advantage plan.
All Medicare Advantage plans for California will also cover the cost of Medicare parts A and B for you. This is what’s included in Original Medicare, and that means that the Advantage plan will serve as a replacement for Original Medicare.
Advantage Plans with Extra Coverage
Many of the California Medicare Advantage plans will include cover you for your prescription drugs with a Medicare part D drug plan. This plan and exactly what it covers will vary from one insurance provider to the next, but it will always cover both name brand and generic drugs, with greater coverage going to the generic ones.
A lot of Medicare Advantage plans also cover the cost of routine checkups, such as physicals, hearing checkups and vision exams. If your doctor prescribes a new pair of glasses for you or a hearing aid following a checkup, then that can be covered by your Advantage plan as well.
These extra coverage Medicare Advantage plans are going to cost you more, but they can often provide you more economical coverage than if you were to try to pay those same costs out of pocket. Medicare Advantage is designed to keep your costs low, and you often find an Advantage plan that fits your needs and your budget. You simply have to do a little looking.
How to Save Money with Medicare Advantage
While Advantage plans cover you for a bunch of medical expenses these plans don’t have to cost a whole lot. In fact, many of them have $0 monthly premiums. With a premium that is so inexpensive, you will need to make up for that with a higher deductible. Keep in mind that you have to pay the deductible before your coverage plan kicks in and does its part.
Each insurance company that sells Medicare Advantage plans will have a few different Advantage plans on offer. Some of them are just the basic plan, while others offer extra coverage. You can choose the one that fits your needs best, but be sure to compare the prices as well. There will be times where it is cheaper to pay for some medical expenses out of your own pockets, particularly those that you don’t have to pay very often.
You can use our website to compare the prices, and this lets you see what different insurance companies in your area are charging for their plans without you having to go to each one individually and requesting a quote. It’s a really great way to save yourself some time and hopefully some money as well. Each time you use our site to search for Advantage plans, you get a list of plans and rates in your local area. The rates do change by location, so make sure that when you compare plans, you always use a service that gets you local rates that are current and accurate.
The Medicare Advantage Network
Any Medicare Advantage plan that you sign up for will be limited in some way by its carrier’s network area. This means that there is a network of hospitals, clinics and other medical care facilities that will honor a given carrier’s plans. Going outside of the network for your healthcare can mean that you don’t get any coverage. You can pick a network option that provides you with some coverage outside of the network, most notably a PPO option. This will cover you partially when you receive healthcare outside of your carrier’s network.
Most of the people who sign up for Medicare Advantage plans will choose what is called an HMO option. This will cover them only inside of their carrier’s network, but it is a more economical plan than an HMO in that it costs less per month. If you live in your carrier’s network area and won’t be travelling often outside of it, then the HMO is probably the best and cheapest way to go.
If you have questions about Medicare Advantage plans for California for 2020, then be sure to give us a call. We can help you, and we’ll be happy to determine your eligibility for Medicare Advantage.