Best Medicare Advantage Plans

Medicare Advantage is a high coverage medical insurance plan that Medicare created but that private insurance companies sell. There are a few different types of Medicare Advantage plans, and we want to tell you about those so that you can make a more informed choice and pick the plan that best suits your needs. After you have read our guide, you should better understand how to find the best Medicare Advantage plans for yourself.

If you need any help, though, we are here for you. You can use our site to find out what the current rates are for Medicare Advantage plans. We will give you a list of prices featuring all the major healthcare insurance companies in your area. We can also provide you with expert advice about health insurance plans and help you to make the best decision.

Best Medicare Advantage Plans

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Medicare Advantage Offers Powerful Coverage

The best reason to choose Medicare Advantage as your healthcare insurance plan is because of the great coverage it offers. You will be hard-pressed to find a health insurance plan that covers you as much as Medicare Advantage does.

The typical Advantage plan will not just cover you for almost all of Medicare parts A and B, but it will also cover any leftover emergency medical care for you and any medical services that are classified as urgently needed. This can include ER costs, ambulance care, medical tests, medications of some kinds and more.

best medicare advantage plans

Then, if you get one of the higher coverage Medicare Advantage plans, you will be covered for even more. You can get coverage from these for the full Medicare Part D drug plan. That’s powerful prescription drug coverage attached to what is already a powerful healthcare insurance plan.

Some Advantage plans will also include coverage for routine checkups with your regular doctor for general wellness and with hearing and vision specialists for checkups in those areas. You can even be covered for a new pair of eyeglasses or for a hearing aid.

Add all of that together and you get quite the comprehensive package of healthcare coverage. Other insurance plans just can’t measure up, so we would say that Medicare Advantage plans are best suited to those people who have serious medical problems or who have to visit the doctor or hospital on a frequent basis. These people will have lots of medical expenses adding up, and a Medicare Advantage plan can take care of the majority of those expenses for them.

What to Know about Medicare Advantage Network Choices

There is a limit to where your Advantage plan can give you full coverage, though. If you look at Medicare Advantage plan listings here on our site, you will see that you have choices like HMOs and PPOs. You might not be familiar with what those acronyms mean.

best medicare advantage plans

First of all, we want you to be aware that you can only get the full coverage from your Medicare Advantage plan if you go to a healthcare facility that is part of your insurance company’s network. Every insurance company that sells Medicare Advantage is limited by their network. That would be any hospital, clinic or other medical facility that honors their plans. Going to a different medical care facility or provider that does not honor their plans means that you are off the network. You will not get all the coverage your plan is supposed to provide you then and will have to pay some or all of the costs of care out of your own pockets.

HMO plans are Medicare Advantage plans that will only give you coverage so long as you stay within the network. They do not cover you at all once you go outside of your insurer’s network. Their limited coverage makes them fine for people who live in a major city or somewhere that has plenty of network coverage. These are low cost plans, so they are a very popular option among seniors. While why offer limited coverage, they can be the best Advantage plans in some cases.

PPOs are Advantage plans that will cover you both on and off of the network. They give you full coverage while you stay on the network for your healthcare services, but they offer partial coverage outside of the network. That means that you could go to practically any healthcare provider in the country with your PPO plan and get at least some coverage. It’s still a good idea to try to stay on the network, but at least you know you won’t be left too vulnerable when network cover is not an option. The PPO plan would be the best option for people who travel often or who live somewhere that has limited to no network coverage. There are actually some places in the United States where HMO plans are not even offered because people are so spread out and network facilities are so rare.

Best Medicare Advantage Plans

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Choosing the Right Insurer for Your Plan

Part of choosing the best Advantage plan is finding the best insurer to sell you that plan. The insurers get to decide what kind of plans they sell and what price is set for those plans. It’s important that you choose an insurer who will offer you great value for your Medicare Advantage plan. A stable insurance company will keep similar rates from year to year, only increasing them slightly. A strong insurer will also be able to offer multiple perks, like free gym membership and 24-hour access to medical doctors via phone.

You’ll also want to consider the kind of reputation that an insurance company has. This determines what kind of customer service experience you have with them and how quickly and easily they file insurance claims.

Here are a few of the top choices for medical insurance providers, though not all of them may offer plans in your area:

bluecross blueshield

Blue Cross Blue Shield
If the cheapest Advantage plans means the best Medicare Advantage plans, then Blue Cross Blue Shield may offer the very best of these. They are known for low prices, but they are also known or offering a great customer service experience and making it easy to process claims and get coverage from their plans. They don’t have a lot of bonus perks to offer you like some of the competition does, so they are more of a no-frills option for those who just want a really good price.

humana

Humana
With Humana, you get more of a focus on customer health. Humana goes out of their way to ensure that their customers are well taken care of and have resources to help them eat healthy and exercise regularly. They also have competitive rates and a strong, stable company.

aetna

Aetna
You’ll be well taken care of by Aetna too, as their Silver Sneakers program is an industry best fitness and health program designed to keep you living well for a long time. They have an extensive network of hospitals and medical professionals, and they offer some of the more competitive pricing available.

united healthcare

United Healthcare
No one does stability and reliability better than United Healthcare, since they are one of the biggest insurers in the nation. They also have a great network to help ensure you get coverage pretty much anywhere. There are still places that their network doesn’t reach, but there aren’t too many of them.

You can find information on pricing for each of these insurers by using our site. We encourage you to make use of our quote sourcing tool as often as you need to in order to find out what the current prices are. You don’t have to wonder how much a Medicare Advantage plan will cost you if you use our site. We update our pricing data as soon as you perform a search here. That means you always get current pricing that you can use to make an informed decision.

Best Medicare Advantage Plans

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How Medicare Part D Helps with Prescription Costs

We told you earlier that Medicare Part D can be included in some Medicare Advantage plans. That’s a great deal, actually (depending on the price), but you can also buy Part D on its own. However you prefer to get Part D, you should know that it offers tiered coverage for prescription drugs. It doesn’t just cover generic, cheap drugs, though. No, this is a high value coverage plan that will take care of at least some of the cost of the name brand drugs that are more expensive.

Part D includes cover for a variety of drugs, offering full or nearly full coverage for some medications and partial coverage for others. Typically, Part D will cover you the most for those cheaper, generic drugs and offer less coverage when it comes to high end, brand name medications.

You will usually save money on Part D if you buy is as something that is included in your Medicare Advantage plan, but remember that it is only worth your money if you need all the coverage that is being offered there.

best medicare advantage plans

Most seniors can benefit from Part D’s coverage, but you’ll ant to see exactly which drugs are covered by this plan and how much coverage is provided for them. If drugs that you use commonly are not listed, then Part D isn’t for you. Also, Part D also can vary based on which provider you choose. The details of the plan change a little from one provider to the next, so keep that in mind and take a careful look at any Part D plan before you decide to enroll.

Do You Have the Best Plan?

Do you have a Medicare plan or other healthcare plan right now? If so, then you should consider if you really have the best coverage for your situation. You may be able to save more money or get better coverage by getting a different kind of health insurance plan.

best medicare advantage plans

Many people choose Medicare Advantage because of what it covers for them and how much money it saves them. A good plan will always be saving you money and providing you with peace of mind, so carefully consider whether you have a plan that does that for you.

You should take some time to look at Medicare Advantage and what it can do. You might be surprised at how cheap these plans are as well. They can average about $45 a month, with an average deductible of about $110. The price varies a lot from one state to the next. Some states have much cheaper averages, going as low as $28 or as high as $110 per month. You can find some Advantage plans that retail for $0 a month, but you can expect a higher deductible with a plan like that. Check out the rates here on our site to see what’s on offer. You can find some great deals, and the prices change periodically, so you’ll want to come back every so often to see what’s on offer and how much the plans cost. You may just find a better deal than what you currently have.

The best plan will be dependent on how well it fits you. If you are paying a lot for your coverage plan, then it really isn’t going to save you money, even if it covers a ton of medical expenses. If you can’t afford it, then you need to look for something different. Our site is great at helping you do that, as we offer you a free search tool you can use to find out local rates. Make use of this free resource at no obligation to you, and if you need advice, then be sure to call us. Using these tools, you can find the best plan for your needs.

Many seniors save hundreds of dollars a year by switching from a basic Medicare plan or a Medicare Supplement to the higher coverage Medicare Advantage. The best Medicare Advantage plans are packed with value and backed by strong companies that keep even, steady rates. You can find a plan like that by searching our site.

Best Medicare Advantage Plans

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