Medicare Advantage Plans for 2019
Medicare Advantage 2019 coverage offers great benefits, but there are a few things you’ll need to learn before choosing a plan. But don’t worry…
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A Medicare advantage plan replaces original Medicare. This consists of Medicare Part A and Part B. It offers the same coverage as both of those, plus in many cases some additional coverage. There are several different options of plans, and different rates for each. Depending on what state you live in, the coverage just might be perfect for you. Medicare Advantage Plans for 2019 are offered by many top companies, but choosing the right plan requires that you keep reading…
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These are plans that can fit you with a lot of extra coverage. You may not have to pay a many expenses out of your own pocket. You may have a lot of those healthcare costs covered by these plans. They aren’t quite the same as a supplemental plan like Medigap, but they do share some similarities.
One of those similarities is that the Advantage plans are offered solely through insurance companies. You won’t find them at Medicare. The organization does not sell them. Instead, it basically “licenses” these plans to private insurance providers. Those providers get to set the plans and determine some availability options.
The price is subject to the whims of the insurance company selling the plan. The price will go up or down based on competition, the area in which the plan is being sold and a few other variables. You can shop around for the best price if you want to save money, and you won’t lose out on coverage because of it.
If you choose to sign up for one of the Medicare Advantage 2019 plans, then you need to be aware of the different networks these plans are offered on. There are several different network options offered by most insurance companies. The most common or notable ones are PPOs and HMOs. We’ll break them down into simple terms here for you.
Medicare Advantage 2019 Networks
The PPO network is one where full coverage is only an option at healthcare facilities that are part of the insurance company’s network- that is, hospitals, clinics and doctor’s offices that are on the insurance company’s list of partners. You can still receive some coverage if you go to a healthcare facility outside their network, but it is only a portion of the full coverage, so you need to be careful.
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With an HMO network, you can only receive coverage at accepted healthcare facilities within the plan’s network. You receive zero coverage anywhere else, except for emergency care. You could get full or partial coverage if you have an emergency and you have to be taken to a hospital that is not on your insurance company’s network, but that is the only exception.
These are just some of your options. You have a lot more, and you should take some time to look into them and get to know what is available to you. We suggest planning for 2019 and beyond right now, as you can take this time to ensure you are choosing the best plan at the best price. There are plenty of Medicare subscribers out there who have chosen poorly with their coverage plans, and you don’t want to be among them. Have a look at the Medicare Advantage Plans for 2019 and see if you can find one that will cover you for what you need covered.
What Medicare Advantage Plans in 2019 Offer
It is important that every senior finds the best insurance plan for their medical coverage. The best Medicare Advantage plans for 2019 are going to be available shortly, and in order to pick the best from the rest, seniors need to know what is available and what would suit their needs well.
It’s impossible to point out any one plan and say that it is the best overall Advantage plan. We can pick out the best price or the best value on average, but everyone has individual needs that determine what the best plan would be for them. Only the individual can say for certain if a plan meets their financial and medical coverage needs. That’s why we try not to point out a specific plan as the best one and just provide general information that should help seniors choose the best Advantage plan for themselves.
Humana Medicare Advantage for 2019
As an industry leader for Medicare Advantage plans (These are also known sometimes as Medicare Part C) Humana is the second largest provider of Medicare Advantage plans. These plans offer the same coverage as Original Medicare Part A and Part B, but are often paired with a Medicare Part D drug plan as well. Some plans offer additional coverage such as dental, vision or hearing. They often also include exercise programs and gym discount memberships.
Some of the plans offered by Humana include a Health Maintenance Organization (HMO), or a Preferred Provider Organization (PPO) and other specific membership type policies. The plans include the coverage for Medicare Part A, Medicare Part B, and often Part D prescription drug coverage.
United Healthcare Medicare Advantage for 2019
United Healthcare (UHC) offers a large number of plans for 2019, though not all may be available in your area. This is because they are state dependent, so different plan options as well as their monthly premiums will all vary by which state you reside in.
United Healthcare Medicare Advantage Plans
Among the types of plans are the very popular HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization). Each has pros and cons that you should know to see which one fits your needs best.
A United Healthcare Medicare Advantage HMO is likely to be the most affordable of the two due to negotiated rates by UHC and providers in a selected network to offer plan members lower costs. With an HMO:
- Coverage and benefits are expected to be provided from a provider that is in your network
- The only excluding coverage would be for emergency care in which you can use providers outside the network
- You will have a primary doctor in network of your choice, and any specialist visits will require a referral from your primary doctor
- Many of the HMO’s available also include prescription drug coverage. The HMO plan forumlary, or what are the listed drugs that are covered, can change any time during the year
Another type of plan offered by United Healthcare is a PPO (Preferred Provider Organization). This type of plan is an excellent choice for those looking for more options in their coverage, particularly in choosing their own healthcare providers.
Under this type of plan, members can choose any doctor of their choice for medical services. There are, however, greater savings if they use a doctor that is in the plan’s selected network. This flexibility gives greater choices, and potential savings.
- No referral is needed from your primary doctor to see a specialist
- Any out-of-pocket expenses are usually greater than those of an HMO
- Many of the PPO’s offered do in fact include prescription drug coverage
PPO’s do often include drug coverage, as well as routine dental or hearing coverage and exercise membership benefits. Additional benefits outside of Medicare Part A and B coverage are not offered by all plans or in all areas.
Aetna Medicare Advantage for 2019
Like other companies, also available are Aetna Medicare Advantage plans in 2019. Aetna also offers a variety of plans including both HMO’s and PPO’s. Costs and coverage vary by state so use our website to check what’s available and the monthly premium amounts for each.
Aetna Medicare Advantage HMO for 2019
HMO’s use contracted providers under negotiated rates to help keep rates lower for all it’s plan members. That being said, under an HMO’s rules you must:
- Visit doctors and specialists that are in the plan’s network only, or risk paying a much higher cost for any services
- Choose a primary doctor in-network of the HMO who will help determine what care is covered under the plan and let you know
- Obtain a referral for any specialists used under an HMO Aetna Medicare advantage plan.
- Drug coverage is provided in many Aetna HMO Medicare Advantage plans, though the formulary of this coverage can change
Aetna Medicare Advantage PPO for 2019
Like all PPO’s, an Aetna Medicare Advantage PPO Plan in 2019 allows you to choose any doctor outside of the preferred network of the plan, however you will save more money by using doctors inside the plan’s network.
- Choosing a primary care provider is not necessary with the plan, and a referral is not needed to see a specialist in many cases. (Prior authorization for coverage out of network may be required. Check with your plan’s benefits to be sure!)
- Most of the Aetna Medicare Advantage PPOs offer prescription drug coverage
- PPO’s offer what original Medicare Part A and B cover, often including extra benefits above and beyond that coverage such as routine dental or vision coverage.
Choosing the Best Medicare Advantage Plans
You won’t be able to choose what the best Medicare Advantage plan is until you know how it compares to the average plan. Let’s start with the basic coverage that every Advantage plan must offer you as a minimum. Many of the plans go much farther than this, but they use this list as their foundation.
That would be coverage for all of Medicare Part A and Medicare Part B. You might recognize that as Original Medicare, which combines both those parts into one plan and is sold through Medicare. Typically, you can’t get that Original Medicare plan outside of Medicare, but if you buy a Medicare Advantage plan (which is only sold through private insurance companies), then original Medicare is included in its basic coverage.
Also included in the basic coverage is urgently needed medical care and emergency medical services. These are common enough for many seniors, and they are excellent items of coverage to have just in case. Having that cover ensures that seniors will be covered in the event of an accident or unexpected medical expenses.
That’s all the basic plan comes with, and every Advantage plan has these same basic coverage items. However, there is additional coverage that many insurance companies selling Advantage plans tend to conclude with their plans. This is cover for Medicare Part D, or prescription drug coverage. It can also include cover for prescription eyewear, hearing aids and various checkups needed throughout the year.
These are common expenses as well, and it makes sense to include them in a robust coverage plan. The majority of people can benefit from that kind of coverage, but they do need to be careful about how it interacts with their current medical coverage plan.
Medicare Advantage plans are not compatible with Medicare Supplement plans. That’s because they cover some of the same items, and that’s not allowed by Medicare. They also clash with Part D insurance, if Part D is included in the Medicare Advantage plan. You need to be careful about what Advantage plan you sign up for and what kind of coverage you already have, because you may be forced to drop one of the plans if they overlap in any way.
Medicare Supplement Plans 2019 – Worth Considering?
Another plan you might be interested in is one of the Medicare supplement plans for 2019. These differ greatly from Medicare advantage plans in terms of coverage, and often cost. Having a Medigap plan gives you the freedom to have no network in the entire country, but they do not cover things like prescription drug benefits.
Medicare supplement plans for 2019 are offered by many private carriers and include coverage that pays for things like deductibles, coinsurance, and co-payments. Depending on the plan letter you choose you will have most, or all of your expenses (gaps) paid for Medicare Part A and Part B.
The Best Medicare Supplement Plans for 2019
There are really only three plan letters that most people enroll in when it comes to Medicare supplement plans. They are Plans F, G, and Plan N. All three offer great coverage and an important thing to remember is that each insurance company offers the same plan letters with no difference in coverage. They premiums that they offer the plans at however, can vary widely for the exact same thing! This makes it extremely important to use our website to get FREE online quotes and rate comparisons for Medicare supplement plans in 2019. Just click below to get started!
Medicare Supplement Plan F for 2019
For many years Medicare supplement Plan F has stood out as the most popular plan among Medicare beneficiaries. With 100% coverage of the gaps of both Part A and B Medicare, and relatively low premiums and no network to adhere to, Medicare policy holders chose Plan F over any of the other Medigap Plans and will likely continue to do so in 2019. Remember that Medicare Supplement plans are standardized. Therefore an AARP Medicare Supplement Plan F is identical to an Aetna Medicare Plan F. There premiums however, can and do vary widely for the exact same coverage.
While Plan F offers 100% coverage, it does in fact have the highest premiums of all the different Medicare supplement plans for 2019. And just because it offers full coverage, that doesn’t mean it’s the best choice for you. Also, Plan F will no longer be offered to new people coming on Medicare after January 1st of 2020. If you still have a plan F when that date arrives you will be allowed to keep your plan, however it’s likely you’ll experience massive future rate increases due to that plan no longer being offered. Therefore it might not be worth the risk. That being said, many people will also want to use our FREE quote engine to see the rates for Medicare Supplement Plan G in 2019…
Medicare Supplement Plan G for 2019
Right along with Plan F, Medicare Supplement Plan G in 2019 will be a favorite among those not wishing to enroll in a Medicare Advantage plan. Medicare Plan G is identical to Plan F except for one small difference. On Plan G you must pay the annual Part B deductible yourself each year. In 2018 this deductible was $183, paid once during the year. After this deductible is met, Plan G pays 100% off the gaps just like Plan F does. The benefit of going with Plan G is lower premiums each year, typically enough that you will actually save quite a bit of money over Plan F by paying the deductible yourself.
Medicare Supplement Plans in 2019 offer outstanding coverage. They do not include things like prescription drug coverage like Medicare advantage plans typically do, so keep in mind you would need to sign up for a separate Part D drug plan.
Finding the Best Plan
We looked at what Medicare Advantage plans can include in their coverage. That should give you some idea of how they might work for you and how they might be compatible with coverage you already have. It’s up to you to decide which is the best plan, though. We can’t just say that one plan would be better for you than another.
There are two things you need to look at when deciding on the best plan for you. You should be looking at the price and the coverage of the plans. The best Medicare Advantage plans for 2019 will have a decent price that offers tons of value. They will also have the kind of coverage that meets your needs. That means that the plan that is best for you could be an awful plan for someone else. It all depends on what you can afford and what you need to be covered for when it comes to medical care.
You may not need a high coverage plan at all, or you may not be able to afford one that has a lot of coverage, even if you could use it. You will have to determine the balance that works best for you between pricing and coverage. You may have to make some sacrifices in coverage to get a plan that you can afford, or you may have some extra money you could put into a coverage plan that would give you more peace of mind with its extensive coverage.
You will only be able to find the best Medicare Advantage plan by comparing what is out there, though. You need to look at the plans that offer the kind of coverage you are looking for. These may be sold by a number of different insurance companies. Once you have a few similar plans that you like and that cover you fairly well, then it is time to look at the prices. Each insurance company can set the prices for themselves.
That means that the prices on very similar plans can be very different. You’ll have to compare as many of them as you can to find out who is selling the most suitable plan for you. Not every insurance company is offering you a good deal or why your best interests at heart. You need to sort through them to see what plan will save you the most money.
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How the Best Plan Changes
Once you have picked out the best plan for you out of all the Advantage plans on offer, you need to keep your eyes open moving forward. You are not done choosing medical coverage, because in time your needs are going to change. Your needs shift from time to time, and you may need more coverage or you may be able to afford a better plan. As you grow older and you experience a change in your needs, you should be looking for a plan that fits your needs better than what you currently have. You may need to update your plan as often as once a year. There is a benefit to staying with the same plan for a long time, as you can often save money on the rates and not experience jumps in costs very often. However, you need to consider that there might be a better plan than what you have, and it may just take some looking to find it.
The coverage on Advantage plans can change over time as well, and if the plan you have starts to shift coverage, then you may need to look elsewhere for a better plan. The prices can change too, and that means that you should be on the lookout for a lower cost plan every so often.
We suggest looking at your current coverage each year and assessing how it meets your needs and if it is time for an update to your insurance plan. There may be a better plan waiting for you, but it is probably not going to find you. It’s up to you to look at what is available and to compare it to what you have to find the most suitable plan for your needs.
The best plan for you today may not be your best plan tomorrow, and you need to be aware of that and of the way your needs can change. The best Medicare Advantage plans for 2019 are where you can start, though. Look at what they have to offer and see how they line up to your current needs. You may just find one that fits you well and save you money every month on healthcare.