Mutual of Omaha Medicare Advantage 2020
The insurance carrier Mutual of Omaha offers seniors a robust type of medical insurance plan in Medicare Advantage. This covers you for medical expenses not covered by other health insurance plans, as well as for all of Original Medicare’s includes coverage.
We want to tell you some of the details of these kinds of plans, such as how you can sign up for them, what they can cover for you specifically and how they interact with other health insurance plans that you may already have or want to sign up for.
How to Sign Up for Mutual of Omaha Medicare Advantage Plans
A Medicare Advantage plan will be easy enough to sign up for once you are 65 or older. That’s usually when most people become eligible. You also need to be either a US citizen or a permanent resident of five years or more. Once you meet these basic requirements, you can apply during the Open Enrollment period of Medicare Advantage.
Open Enrollment happens once every year, starting on October 15th. It ends December 7th, and you need to sign up for the Mutual of Omaha Advantage plan for 2020 or other carrier’s Advantage plan in that time. If you miss your opportunity, then you will need to wait until the next year to apply again. It’s really difficult to get into Medicare Advantage outside of Open Enrollment. If you have an Advantage plan already, then Open Enrollment is your chance to renew your coverage, upgrade your plan or even switch to a different plan from the same provider.
For all questions about enrollment and eligibility, please get in touch with our health insurance experts. We would be happy to assist you and ensure that you know what your options are.
Medicare Advantage Covers You
Once you have a Medicare Advantage plan, how is it going to cover your medical expenses? Well, there are a few different kinds of Medicare Advantage plans, and they offer different levels of coverage.
The most basic of these includes only the standard coverage that Medicare demands be in an Advantage plan. That would be urgently needed healthcare coverage, emergency healthcare coverage, Medicare Part B coverage and Medicare Part A coverage. This is the simplest, cheapest and most basic of the Advantage plans, and Mutual of Omaha should offer it for 2020, if that is what you are interested in.
If you want something more powerful and robust, then you should look for an Advantage plan with Part D drug coverage included. This is pretty standard as well, and it includes all of the basic coverage we just mentioned, as well as a full Part D plan that will cover you for many prescription drug costs.
Many of the Medicare Advantage plans also include routine checkup coverage, on top of basic coverage and perhaps even Part D coverage too. This can cover you for all sorts of annual checkups, such as those for your hearing, vision or for general wellness.
These different coverage options for Mutual of Omaha Medicare Advantage 2020 are designed to meet various kinds of senior needs. Some people will benefit more from an expansive health insurance plan than the average, while some seniors will need a more stripped back and basic plan that helps them keep their monthly costs low.
Signing up for any of the Mutual of Omaha Advantage plans means that you can benefit from the member perks they offer. Besides just enjoying their well regarded customer service and competitive rates, you can also enjoy perks like access to medical professionals 24 hours a day and gym membership discounts. The perks come at no extra charge to you and are included just for being a member with them. These perks vary from one state to the next, and there is a long list of them that you will need to contact Mutual of Omaha for a full rundown of.
How Medicare Advantage Interacts with Other Health Insurance
If you have another health insurance plan right now, then it may not interact well with a Medicare Advantage plan. Any Medicare Supplement will be incompatible with Medicare Advantage, and that’s because of the way they overlap with some of the same healthcare coverage. Any healthcare plan from your employer or from your union probably won’t be compatible either.
If you have Original Medicare, however, then that will not conflict with a Medicare Advantage plan. That may seem strange to anyone who knows what Original Medicare offers and compares that to a Medicare Advantage. Advantage plans include all of Original Medicare coverage in them, but there isn’t a conflict. That’s because your Advantage plan will act as a replacement for Original Medicare, and you will simply get your Medicare parts A and B coverage through your Advantage plan insurance carrier rather than through Medicare.
Another health insurance plan you need to know about how the way it interacts with Medicare Advantage is Medicare Part D. This is a drug plan that we spoke about earlier, and it is often included in Medicare Advantage plans. Part D can also be purchased on its own, and you can’t have two versions of Part D active at the same time. You will either need to get rid of the individual plan or find an Advantage plan that doesn’t include Part D coverage.
If you are not sure how your medical coverage will interact with Medicare Advantage, then please contact us. Our team can help you get some answers and empower you to find the plan that fits you best.
You may benefit from a Mutual of Omaha Medicare Advantage 2020 plan. To find out how much it costs and how Mutual of Omaha’s rates compare to those of other insurance companies, then you can use our website. The free search tool we have here will make it really simple to find affordable coverage plans and avoid overpaying for your insurance policy. Let us help you make the right choice for healthcare coverage for the coming year.