Aetna Medicare Advantage Plan 2021
Is Medicare Advantage right for you? If you feel like Original Medicare isn’t providing you with ample coverage for your healthcare needs, then you should condor the higher coverage and greater protection offered by Medicare Advantage. An Aetna Medicare Advantage plans for 2021 can give you what you need for peace of mind and real health insurance coverage.
How Medicare Advantage Works for You
You might not be familiar with Medicare Advantage and what it is designed to do for you. Let’s walk you through the basics so that you can understand if it might be right for you.
Medicare Advantage plans are available to any senior who is 65 or older. You have two times that you can enroll. The first one is Open Enrollment, which is a 7-month window around your 65th birthday. The second one is annual enrollment from October 15th– December 7th. The first enrollment period is the best one to try for, since your preexisting medical conditions cannot be used against you to either increase the prices or deny you coverage. Both of those could happen during the second enrollment period, though. Annual enrollment comes around once a year, and if you miss the first chance, you can always catch the next one.
Advantage plans conflict with other kinds of health insurance, like Medicare Supplements (Medigap), employer-based health insurance and healthcare plans from unions and trusts. If you want to know if your current healthcare insurance might conflict with a Medicare Advantage plan, then you can always give us a call. We can help you with any questions you have and point you toward the right kind of health insurance plan to buy.
Medicare Advantage is sold by insurance providers like Aetna all across the country. They all have to offer the same base coverage, but they have some freedom as to what additional coverage their plans can include. They can decide which kinds of Advantage plans to sell and even set the prices for the plans. This gives you a lot of options to choose from, so if you don’t like what Aetna is offering with its lineup of Medicare Advantage plans, then you can keep on looking until you find a plan you like.
What Aetna Will Do for You
Now, let’s talk about the medical benefits that you could get from a Medicare Advantage plan. You will always get base coverage from these plans that is consistent across every Advantage plan and every insurance provider. That base coverage takes care of the cost of urgent medical care, emergency medical services, at-home care, nursing care, hospital visits, doctor’s office visits and more.
In addition, many Advantage plans from Aetna and other insurers will be offering you coverage for Medicare Part D, which is a powerful prescription medication plan. This is something that you could buy on its own, but having it bundled with an Advantage plan could be a great way to save some money and to enjoy the kind of coverage that you need all in one place.
Many Advantage plans also include coverage for checkups, taking care of the cost of your routine visits to healthcare professionals. So, checkups with the optometrist, dentist, audiologist, general practice and more can all be covered using an Aetna Medicare Advantage plan for 2021. You may be covered for more than one visit to each a year, and you will be covered for the cost of prescription glasses and hearing aids.
Which of these benefits look like they might apply to you? If you are not sure how much coverage to get, you may want to compare prices among the different plans. Or, you could take to us and get some expert advice. We are happy to help you make the right choice and provide answers to all of your health insurance questions.
Which Advantage Plan to Choose
We have looked at some different coverage options that you could pick from the Aetna Advantage plan lineup. You may not be sure which one to go with, but there are even more choices you need to be aware of. Aetna has a limited network that is admittedly large but still has its limitations.
Aetna has provided a few different kinds of network options to cater to the needs of its members and to ensure that they can be covered the way they want no matter where they live. If you take your typical Medicare Advantage plan outside of Aetna’s network, then you won’t get any coverage at all. You have to pay for whatever medical care you receive there, off your insurer’s network.
Aetna sells a PPO Advantage plan, though, and this will cover you whether you are on Aetna’s network or off it. You get full coverage while you go to network care facilities and then partial coverage at the off-network facilities. That’s the power of a PPO Advantage plan, and it is helping out seniors who don’t live near Aetna’s network hospitals and doctors.
The standard Advantage plan is cheaper but doesn’t do all of that for you. It is the HMO Advantage plan, giving you coverage only on the network and no coverage for care received outside the network. You’ll want to compare the cost of these two plans to see what might be affordable for you. You should also look at how well you will be covered, based on where you live, if you choose one of these options or another.
Aetna can sometimes offer other choices as well, like Special Needs plans. If you meet the eligibility requirements for both Medicaid and Medicare, then you can sign up for Special Needs Advantage plan. This gives you incredible coverage at a very low price, and it is often the best option or those who qualify.
Saving Money on Your Advantage Plan
Medicare Advantage may seem like it would be expensive for all that it gives you. However, there are some great deals to be had from the Aetna plans and from other insurers. You can find out how much these plans cost if you just use our site to source health insurance quotes.
When you search on our website, you’ll get quotes for Medicare Advantage plans. Aetna will be one of the insurance provider we will offer quotes for. You can see how their 2021 plans compare to those from other insurers. You can see who is offering good deals and who is overcharging, in comparison to the other choices.
If you want to pay less for healthcare and less for health insurance, then this is the way to do it. The more quotes that you source before you make your health insurance decision, the more money you will save. It simply improves your chances of finding a good deal.
With an Aetna Medicare Advantage plan 2021, you could be your way to saving so much more on your healthcare, keeping your medical costs low and enjoying the protection and comfort that comes from having adequate coverage. Check out the plans that are available and use our site to source some prices. We’ll be happy to help you figure out if this might be right choice for you for the coming year.