Compare Medicare Advantage Plans
Seniors who already have health insurance may be looking to get more health coverage as they get older, to cover more medical expenses to protect them from high medical bills. Medicare Advantage is one way to have smaller health costs and also get emergency room care, urgent care and most of the coverage Medicare offers and more. When you start researching Medicare Advantage plans, you will have much to choose from and able to find a plan that will cover your particular medical issues.
First you need to decide what services you need covered. Major medical health plans provide great coverage and a Medicare Advantage plan offers a great deal. Medicare Part A and Part B will be included with an Advantage plan and some people call this plan Advantage Plan C. You also can have within your Advantage plan Medicare Part D which will cover your prescriptions.

Compare your Coverage
Before you decide on any health insurance, you will want to compare the various Medicare Advantage plans to see if any would be best for your medical issues. First you want to see how much coverage you will actually be needing and then find a plan that will take care of that for a reasonable rate. Some Advantage plans will cover you for Medicare Part A and Part B, emergency care and urgent care and this is recognized as the basic plan or a HMO. All the Advantage plans must include this coverage for your medical care.
Some Advantage plans will cover that and more, such as the prescription coverage known as Medicare Part D, which will take care of generic drugs and some portion of name brand prescriptions. Including the Medicare Part D plan with your Advantage plan will give you cheaper rates on the policy, than if you paid for each alone.
You want an Advantage plan to take care of your routine doctor visits and when you start looking at all the plans, you will see that some will cover your dental cleanings, x-rays, having your hearing checked and your optician. Your prescription eye wear and hearing aids can also be covered. These ae all great benefits that can save you a lot of money in the long run.

2021 Medicare Advantage Plans

Compare the Prices
If you inquire with some insurance companies, they will be happy to tell you their insurance plans and the rates they will be charging. We can save you the time by going to our web site on the internet and find a chart that will tell you the various insurance companies, their plans and the rates they will have. Then you can see who offers what Advantage plan, since they all do not all offer the same plans and how much their monthly premiums will be. The medical benefits among these companies will basically be the same, but some will offer extra bonuses for their Advantage plans. Most important are the medical services they will take care of, so you do not have to pay much more out of your budget.

Each insurance company can sell the Advantage plans they want and they have the right to decide how much they want to charge. The Advantage plans are all the same whichever company you choose. The main difference will be where you live. Your friend in another state may pay a different premium than you would in your state.
These Advantage plans will have rates that are determined by the medical coverage, where you live and the insurance company you decide upon.
Using our site will give you a good idea of what is being offered in your area and the rates, so you can make an informed decision about your health insurance. This way you won’t have to contact each individual company to find out their plans and costs. Money can be saved by taking the least expensive plan, as long as you get the coverage you want.
Costs of these Advantage plans will sometimes change due to inflation through the year. It is a good idea to check back on our site to see if there are any policy changes and if the rates will be changing in the following year. This way you can decide if you want to find a different plan or need more extensive coverage because of health changes. You can then make your plan change during the enrollment period. We get our price quotes from the insurance companies regularly, so you can be sure the chart will be current, whenever you decide to come take a look. We will always have the most up to date information for our clients so you can find the best deal for you.
If you think a Medicare Advantage plan is too expensive, you can always stay with Original Medicare and get a Medicare Supplement plan to take up the portion of medical services Medicare does not pay for. If you are still working and can get health insurance through your employer, which might even be a less expensive option for you.
2021 Medicare Advantage Plans

Compare the Network
Each Advantage plan has what is called a network and you will need to use the doctors, hospitals, medical clinics and pharmacies that contract with your insurance company. Your Advantage plan will be accepted with no problem, as long as you go with them and your medical bills will be paid for totally. If you needed to go to those facilities not associated with your insurance’s network, your medical bills will not be paid by your insurance. The basic Medicare Advantage plan is called a HMO and only covers you within the network.
What happens if you do not live close to those doctors or hospitals and it is too difficult to get there, but you have someone closer that is not in the network? There is an Advantage plan known as a PPO and they will partially pay your medical services when you go out of network. You still will be covered completely when you do use the facilities that are in the network. This is a good option for those that have little health issues and live in rural areas.
Another plan that you might consider is called a PFFS Advantage plan. You will still be covered in the network, but if you needed a medical service out of network, your service will be paid by a predetermined amount that your plan has decided upon. Your insurance plan will have these fees in the policy and you can see how much you will have to pay before you go out of network. Say you needed a special surgery and it could not be done near you, then there would be the fixed fee to pay for it. This plan will work for some people who occasionally need this, but a PPO plan would work better for people who regularly travel and may have a medical issue out of the state or the country.

Compare Insurance Companies
It is a good idea to compare all the insurance companies offering Medicare Advantage plans, such as Aetna, Humana or United Healthcare to see what they all have to offer in plans and prices. The plans may seem the same and the biggest differences would be the costs they charge. They each may have different bonuses and this may be an incentive that you would like.
Visit our site and get started on looking for an Advantage plan to fit your medical needs. We are always happy to help you and there is no charge for this service.