Aetna Medicare Advantage Plans
Aetna offer perfectly designed plans that help the seniors to meet their medical needs in life wherever they are. They also provide extra coverage in some of their Advantage plans for the seniors who travel. Aetna Medicare Advantage plan never leaves their customers in problems provided as much coverage as they can in their variety of Advantage plans.
What do you get with Medicare Advantage?
When you enroll yourself in the Medicare Advantage plan, you get to expect a certain level of coverage. However, while regulating these plans, Medicare ensures that the insurance companies that are responsible for selling these plans must follow the guidelines. They have given the freedom to the insurers to set their own pricing but they have maintained some standards, which every insurance company has to adhere to.
Each Medicare Advantage plan has coverage for both parts of Medicare that is Part A (except hospice care) and Part B. Whereas, the emergency medical care, and healthcare services are mentioned as urgently needed in the plans. There are some plans that include Medicare Part D, which covers the expense of prescription drugs, routine checkups, X-rays, a new hearing device, and a pair of new eyeglasses.
It is necessary that those seniors who want to sign up for any Medicare Advantage plan must have an Original Medicare Plan so that when you subscribe for Medicare Advantage plan, it gets replaced with the Original Medicare benefits from the insurance company. Choosing Aetna will provide you maximum benefits of the Advantage plan without losing the coverage.
2021 Medicare Advantage Plans
The Right Network Option
The broad network of Aetna has the best hospitals, clinics, drug stores, and specialists. They all are linked in the network and you get full coverage through your subscribed Advantage plan. However, you won’t be able to get the perks of full coverage if you go out of their described network. In that case, you are responsible to pay the cost of your medical needs either the doctor’s fees, hospital charges, or pharmacy bill. So, it is better to choose the network plan wisely.
Types of Advantage Plans
- HMO – The most economic plan is the HMO plan as it covers you in the network only and is available at a competitive price by Aetna. By entering you zip code on the search tool on our website, you will get the best rates of this plan in your locality. If you are out of the network, HMOs have nothing for you as this plan only offers benefits for those in the network range.
- PPO – To avail of the benefits outside the network, you need to choose PPO Advantage plans. No matter, either you are inside or outside of the network you can get the perks of this plan. It offers complete coverage inside and partial coverage outside the network with a higher premium to be paid per month as compared to HMO but it’s a good deal to get the coverage in more locations of the country.
- HMO-POS – There is also a middle plan named HMO-POS plan, which gives you full coverage within the network and some specific medical services outside the network. Before signing up for this plan, you first need to see whether it is beneficial for you and your medical need are covered in it. If your desired services are included then it’s a perfect fit for you!
- DSNP – Indeed the best one amongst the other Advantage plans. The seniors who are eligible for Medicaid and Medicare can avail of the benefits of this plan as well. You have to be a special needs candidate and if you qualify that, then enjoy the perks of incredible coverage at an affordable rate.
What Makes Aetna Advantage Plan Special?
Being a subscriber of Aetna Advantage plan, you get all the basic healthcare benefits along with a plethora of services and bonuses in addition. You don’t have to pay anything extra to enjoy these services except the monthly premium of the plan. Moreover, you can get a personalized diet and exercise plan from the free membership perk to a number of gyms in the network.
When it comes to customer support service, Aetna never leaves its customer behind. The friendly and responsive expert support agents are always there to help in making the correct decision for plan and giving multiple options that suit you the best. The rates fluctuate with time and you can see the current one on our website. Here, you not only get the latest rates from the free search tool of Aetna but also of the other competitors to make it easier for you to decide.
If you need any medical advice from a doctor or nurse than Aetna offers this facility as well. The expert opinion not only saves you from the visit to the clinic or hospital but also lets you treat yourself at home. Senior of this age are at times reluctant to visit clinics or hospital but this service solves your problem. It is suggested that every senior should seriously go through once and check out the Advantage plans that are offered by Aetna, which helps them to get maximum coverage at an affordable rate.
Aetna Medicare Advantage plan is a perfect combo of competitive price, great value, and incredible benefits. There might be better deals available in the market by competitors but it is better to have a comparison list on our website, which makes it easier for you to decide. Look carefully at the updated rates and the coverage offered in different plans and let us help you in case you are confused to decide.
As we discussed before, the salient reason for AARP being the number 1 choice of senior is their remarkable network. What is the use of such a plan that gives you services in only a couple of medical facilities in the country? Whereas, AARP has a giant network that is accepted by most of the medical clinics and hospitals with full or partial coverage according to your plan. The AARP network is strong and wide that it has a plethora of healthcare centers, medical experts, pharmacies, and numerous medical facilities.
AARP’s HMO plan gives you full network access with limited coverage at an affordable price. Whereas, PPO Advantage plan offers full coverage within the network and partial coverage outside the network area by paying a little more for it.
There are some more network options and have different requirements for it as they are not available in all areas and not every senior can get it. Don’t get confused, these plans have perfect options for you, and for that, you need to connect with our insurance experts to decide the best AARP Medicare Advantage plan. Our experts are there to help you according to your need.