Medicare Advantage serves as an alternative to Original Medicare. It offers you more coverage for medical expenses not covered by Original Medicare. We want to show you what Kaiser Permanente Medicare Advantage plans for 2019 are able to offer you so that you can decide on your own if they might be a good fit for you.
Bear in mind that these are plans that can save you a lot of money, but they are not for everyone. You may not need the extensive coverage they have to offer, but if you do, then you should compare them to other similar choices to ensure that you are getting the best possible deal.
How Advantage Coverage Compares to Medicare Original
If Medicare Original isn’t providing you with enough medical coverage, then you may need to look into something more robust, such as a Medicare Advantage plan. Original Medicare covers you for Medicare Part A and Part B. Those include coverage for your basic inpatient and outpatient medical expenses.
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The Advantage plans include all of that as well. The difference is that they cover more than that. They will also cover you for lifesaving treatment, such as emergency medical care and urgently needed medical care. What those coverage items actually entail will vary based on what your needs are in any given medical situation. You can always ask if you are going to be covered by your insurance plan before you go through with any procedure. You do have a right to know that information going in.
Advantage plans cover even more than that, in many situations. What we have talked about so far is just the basic coverage, and every Medicare Advantage plan has to include that. However, many of them, including the Kaiser Permanente Advantage plan ones, will cover you for Medicare Part D or the prescription drug plan.
They may also cover you for checkups and other medical expenses as well, but the specifics vary from one insurance company to another. Even within the same insurance company, you can get some different Advantage plans. Kaiser Permanente, for example, offers a lot of different Advantage plans. These come with varying degrees of coverage and with different rates. Not all of them may be available to you, and you may not be eligible for some of their options, depending on your location and medical situation.
So, Medicare Advantage covers more for you than Medicare Original, but it also costs more, and you have to weigh the coverage and the cost to determine which is the better option for you.
Who Is Eligible for Medicare Advantage?
The eligibility question is an important aspect of Medicare Advantage. Not everyone is eligible, but most people over 65 are. You can even be eligible earlier, if you meet certain medical criteria, such as having a disability or suffering from kidney disease. You can always check with a Medicare agent to find out if you are eligible earlier than age 65.
Once you are eligible for basic Medicare, then you should also be eligible for Medicare Advantage. You’ll also still have to pay the requisite deductibles and copayments for Original Medicare, once you are signed up for Medicare Advantage.
You won’t be able to be signed up for a Supplement plan at the same time. Those plans are simply not compatible with a Medicare Advantage plan. There are other medical insurance plans that may not be compatible with Advantage coverage as well, such as some employer plans or union plans. If you have a medical coverage plan right now, besides Original Medicare, then there is a good chance that it will overlap with the Medicare Advantage plan and you will have to drop one or the other.
Kaiser Permanente Medicare Advantage plans for 2019 are not going to be available to everyone. However, if you are not eligible this year, you may be eligible in a year or two, and these plans could be worth coming back to and reassessing.
The Medicare Advantage Network
If you sign up for a Medicare Advantage plan, with Kaiser Permanente or any other insurance company, then you need to be aware of the network it operates on. This network is made up of any hospital, clinic, doctor’s office or other medical facility that has agreed to accept your insurance company’s coverage plans. Kaiser Permanente has their own network, and it could be very different from another company’s network. Going off the network can mean that you will get no coverage at all for the medical care you received there, which is why it is so important to consider the network of any insurance company you are thinking about signing up with.
This is a vital aspect of choosing the right plan and provider. Not every insurance company that sells you Medicare Advantage plans will actually have any medical facilities near you that are part of their network. That could mean that you need to find a different insurance company or choose a network option that gives you at least some coverage.
You can actually get coverage while recovering medical treatment outside of your insurance company’s network. That would be if you buy a PPO type plan, which gives you partial coverage off the network and full coverage on the network. More common are HMO plans, which give you full coverage on the network and no coverage off the network. They are also less expensive than PPO plans. Not every insurance company offers both options, and there are sometimes additional options as well, but you need to be aware of these two primary ones.
Signing Up with Kaiser Permanente
Kaiser Permanente is just one of many insurance companies that are selling Medicare Advantage plans. They may have unique coverage and rate combinations to offer you, but you should compare them to the competition and even compare and contrast the plans they are selling. You want to ensure that you get the very best deal you can.
They have a number of plans available to pick from, but if you don’t get what you are wanting from them, then you can just look elsewhere until you do find what you are looking for. Try not to settle for anything less than exactly what you need.
Kaiser Permanente is able to change their rates when they wish. They can also change the coverage on their plans and drop or add plans as they see fit. You’ll want to pay close attention to how the plans change before you sign up to make certain that you are making the best choice for you and your situation.
The rates will not change while you are signed up with one of their plans, though. Once your current plan’s term is up, however, you may be subject to increased rates, and it’s a good idea to have a plan picked out by then. You can either change plans and get something else, renew your current plan or cancel your plan entirely.
The reason to choose Kaiser Permanents over the competition could be because of their rates, the kinds of plans they have to offer or their customer service and reputation. They may also have member benefits that other insurance companies are not offering that make them an attractive option for you.
Kaiser Permanente Medicare Advantage plans for 2019 could be your opportunity to save a lot of money on medical insurance. You will have to examine for yourself and compare what they are offering to your current needs. Be careful that you only choose the most suitable plan for yourself, as you want to ensure that you are not overpaying for medical insurance and you want to be covered as much as possible for medical care that you will need throughout the year.
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