Premera Medicare Advantage 2020
Are you looking for some extra healthcare insurance for 2020? Then you may want to consider the powerful coverage provided by Medicare Advantage. The Premera Medicare Advantage 2020 plans are a good option for seniors living in Washington State. They come from the respected national insurance provider Blue Cross Blue Shield (BCBS).
A Blue Cross coverage plan is often affordable and highly rated for its value to the customer. This kind of plan will have the backing of Blue Cross, and in this case, it also has the personal touch of Premera. When you sign with Premera, you can enjoy mental health coverage programs, helpful services that get you in contact with your nearest doctor or pharmacy and other benefits that ensure you stay in good health and that you are well taken care of.
The Coverage of Medicare Advantage
An Advantage plan will always have a specific set of standardized coverage. No matter what kind of cover it will include, it has to have that base coverage. The base coverage consists of:
Medicare Part A (accepting hospice services)
Medicare Part B
Urgently needed treatments and services
Emergency medical treatments and services
On top of the base coverage, many Advantage plans include some more cover that could come in handy. They could cover you for the entire Medicare Part D drug plan, which covers prescription medication of the generic and name brand varieties. Some of your drugs will be covered completely, and others will only be covered partially. Some Advantage plans will cover the cost of checkups you have done each year for your vision, hearing and more.
The coverage you could get from a Medicare Advantage plan will be determined by the insurer selling the plan. Each insurer has their own lineup of plans that usually includes a few different Medicare Advantage plans. You’ll want to look closely at what Premera is offering to see if they have a plan that works well for you. Compare the coverage offered in their plans to your own coverage and see which plan is the best fit for you.
How Much Will Premera Charge for Medicare Advantage?
One of the unique things about Medicare Advantage is that there isn’t any standardized pricing. The rates are decided by the insurers rather than by Medicare or some other governing body. The rates will change based on what Premera wants them to be. You can find you what the current rates are for a Premera Medicare Advantage plan by speaking to a Premera representative. You can do the same thing for quotes from every insurer.
A faster way to get quotes and to compare them to one another is to use our site and the free search tool that we offer. This allows you to see a list of quotes for each kind of plan you want to find out about. It tells you what the current rates are for your area. This is a superb way to save money and to ensure that you don’t get overcharged for the coverage that you need.
You will be responsible for the deductible on your Premera Medicare Advantage 2020 plan. Once you meet the deductible, then Premera will cover the rest of your healthcare costs for you, so long as you are in your coverage area.
You’ll also be responsible for a monthly premium, in most cases. Premera tends to have very competitive pricing on its plans, since they are part of Blue Cross Blue Shield, which is known for its low rates. Be sure to use our site to compare prices and to make certain that you are getting a good deal on your coverage plan.
How You Can Sign Up for a Premera Advantage Plan
There are a few qualifications you have to meet before you can get a Medicare Advantage plan. You will need to be eligible for Medicare, first of all. You usually do that by simply being 65 years old or older and having US citizenship. There are other ways to gain Medicare eligibility, though, such as by qualifying for disability.
Once you have a basic Medicare plan, then you can apply for a Medicare Advantage plan. You will need to be residing in the insurance company’s network area, though. Premera will have a limited coverage area from which they operate in the state of Washington. If you don’t live in their network coverage area, then you cannot sign up for one of their plans.
For people who have signed up for one of their plans but then moved to a location outside the network, a PPO option might be the best way to go. This is a kind of Medicare Advantage plan that covers you both within the network and outside of it. You get partial coverage while outside the network receiving care and full coverage while inside the network.
PPOs are great for seniors who live on the edge of their provider’s network or who spend a lot of time travelling. These people may not always end up at a medical facility that is part of their insurer’s network, so a PPO plan will help them get at least some coverage. The PPO can be expensive, though, thanks to its extensive coverage. If you want something cheaper, then you should take a look at the HMO plans. These cover you just within the network, so they work a lot better for people who are surrounded by on-network medical facilities. If you live in an urban environment or anywhere that has a lot of healthcare facilities in a small area, then an HMO plan is probably the most economical choice.
The Premera Medicare Advantage 2020 plans can be sold in HMO and PPO versions. If you are not sure which one is right for you or whether you meet the eligibility requirements, then please give us a call. We would be happy to talk to you and help you figure out what might work best for you.
Compare Medicare Advantage for 2020