Why should seniors consider Medicare Advantage plans for their health insurance coverage? Well, we believe that Advantage plans offer some of the best value in all of the health insurance industry. There are lots of other medical plans and general healthcare policies, but nothing seems to offer quite as much coverage as an Advantage plan, and yet many Advantage plans are very affordably priced. The Humana Medicare Advantage plans for 2020 offer some very economical choices for seniors to consider.
Humana Offers Extra Benefits
A big reason we point to Humana as a worthwhile insurance company for seniors is because they do more than just offer the basic advantage plans. They provide numerous benefits that really make their plans and services stand out. These can include anything from gym memberships or discounts to healthy eating plans to full access to doctors with round-the-clock phone call services. These kinds of benefits can really make a coverage plan more worthwhile, adding value without adding cost. If you compare the cost of Humana plans to that of other insurance companies, you will find they are about average, but yet their benefits far outweigh many of their competitors, so we can easily recommend them to seniors.
Humana’s benefits may change from time to time, so be aware of that and pay attention to the changes so that you know if you are still getting good value from them. Not all of their benefits will apply to you, so you also want to make sure that you are getting relevant perks and not just added fluff that means nothing to you.
The coverage benefits on Advantage plans are definitely worth noting too, and you want to know what those are before you sign up for one of these plans. The basic Advantage plan will cover you for Medicare Part A and Medicare Part B, taking over completely for Original Medicare. On top of all that, it will also cover you for any emergency medical services that you require and any healthcare that is classified as urgently needed. Obviously, those kinds of expenses and services will vary from one person to the next and from one situation to the next. After all, what is considered lifesaving treatment one day may not be medically necessary another day.
Advantage Plans Often Cost Less
We think Medicare Advantage plans are worth a look for any senior, no matter how good their health is. If you don’t visit the hospital or doctor’s office very often, you may not think that a powerful and robust coverage plan like Medicare Advantage would be worthwhile to you. It may seem like a waste of money for coverage that doesn’t fit your needs very well. However these Advantage plans can also cover your you beyond what we have already mentioned. They could cover prescription medication or your various checkups you need to have done during 2020. That could make Humana Medicare Advantage plans for 2020 worthwhile to you.
The Advantage plans often offer this kind of coverage at a much more affordable rate than other types of medical insurance. If you look at their premiums (which you can do here on our website), you will see that they are sometimes as low as $0 per month. Others will be more expensive than that, but in general, the Advantage plans cost less overall than other types of Medicare or medical insurance plans. That’s just the way they are designed, and it seems sensible to label them with the name “Advantage plans”.
You will often pay less and get more coverage when you sign up for an Advantage plan, because for minimal cost they can cover all of the Original Medicare plan, the Medicare Part D plan and most of the higher coverage Medicare Supplement plans. That’s a lot of coverage packed into one plan, so it makes sense that you would pay a lot more for Advantage plans, but you generally do not. Like we said, some of the premiums are dirt cheap, so you should definitely check them out. It costs you nothing to do so, and there is no obligation attached for just using our site and sourcing and comparing rates.
The Limited Network Affects Coverage
One more thing that we need to tell you about Medicare Advantage is that they are restricted as to where they can give you coverage. You can be paying the monthly premium on your plan and go to a local hospital for healthcare and then receive the unpleasant surprise that your received healthcare services there are not covered under your Advantage plan. That’s because you are not on your insurance company’s network.
Humana has its own network that it operates. It can choose which clinics and doctor’s offices to partner with, and they can likewise choose to partner with Humana or to not partner with them. The ones that do become their partners will honor their plans and become part of their network. There will be places, of course, where the network does not extend. Those tend to be primarily rural areas, but there will also be urban areas where Humana’s Advantage plans are not accepted, due to the lack of network coverage.
The network can limit where you get coverage, but you have some ways to deal with those limits. If you get a PPO plan, for example, then you can be covered off the network. It won’t be full coverage, but it may be enough to make this kind of plan option a worthwhile expense for you.
HMO plans are cheaper, but they won’t cover you as well. They only cover you on the network, and for most people, that’s all they need, which is why HMOs are far more popular than PPOs.
You can find out about these and more by using our site. If you have any questions about Humana Medicare Advantage plans for 2020, then please don’t hesitate to get in touch with us and ask us anything. We will be happy to help.
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