Blue Cross is one of the top health insurance providers when it comes to senior plans. They offer a wide range of policies at affordable rates, and this is why so many seniors choose them as their provider each year. The Blue Cross Blue Shield Medicare Advantage plans for 2020 are going to be among the best value policies available in the coming year, which is why we want to discuss them here.
We think these are the kinds of health insurance policies that every senior should at least be considering. You may look at them and decide that none of them are right for you, but at least you will be making a more informed decision and not be unaware of what some of your choices are.
What Do Advantage Plans Do?
Medicare Advantage has been created by Medicare to be a policy that is sold by private insurance companies such as Blue Cross Blue Shield. So, it isn’t something that Medicare will sell itself, though Medicare does regulate the plans. It’s Medicare that decides what the basic Advantage plans will offer, and it is Medicare that decides what kind of extra coverage can be added to the plans. Let’s look now at what exactly these plans cover.
With an Advantage plan, you can get coverage for all of Medicare Part A and Medicare Part B. You could also be covered for emergency care and any urgently needed medical services that you require. All of this is part of the basic plan that every Medicare Advantage plan offers.
You can get some more advanced Medicare Advantage plans that will do more for you. They could cover expenses such as checkups, prescription eyeglasses, hearing aids and prescription drugs. Imagine if you had a plan that covered all of those basic items plus all of the more advanced coverage items. That would be a powerful plan and one that is far more robust and comprehensive than pretty much anything else out there. There are Blue Cross Blue Shield Advantage plans that do just that, and you can see why seniors hold these plans in high regard.
It makes sense for seniors to want to be covered as much as possible by their healthcare plan. That way, they can enjoy peace of mind and not have to worry so much about how they will pay for their medical expenses. It can be very comforting to have all of those healthcare costs covered for them, and under one plan as well.
Why Blue Cross Blue Shield May Be a Good Choice
You have so many different insurance providers to pick from when it comes to Advantage plans. Lots of different companies sell these. Blue Cross Blue Shield Medicare Advantage plans 2020 are one of many different options, and they are a good one.
We like them as insurance carriers because of their great reputation and their really competitive prices. They offer some of the lowest prices for health insurance and Advantage plans in particular. Their rates tend to be very low, and if you want to know just how low, then you can check out our pricing information for them and other insurers right here on our site.
We offer a free quote sourcing technology that you can use, and it gives you a list of plans and rates from different providers for you to peruse. You can find the lowest rate in your area and see what the best deal is. This is a simple and effective way to save money and still ensure you are getting the kind of plan and coverage that you want.
Blue Cross will sometimes go by other names, and the company name and plan names vary based on where you live. It’s all the same company, though, even though that larger company is made up of smaller businesses that all work together. They share the same standard of affordable pricing and great customer service, so you can count on that no matter where you buy their plans from.
How the Network Affects Your Coverage
One thing you need to know about Medicare Advantage plans is that they will not be able to cover you everywhere you go. If you go outside of the insurer’s network to get your healthcare services, then you will not be fully covered by your plan. It doesn’t matter that you pay your insurer monthly premium for the plan; that insurance company is limited by their network.
If you don’t know, the network is made up of the different hospitals, clinics, pharmacies and other medical facilities that agree to take on Blue Cross Blue Shield’s plans. You can check out their network and see where it extends, and you should definitely do that before you sign up for one of their coverage plans. This will help you decide not only if they are the right insurer for you but also what kind of network option you should go with.
You see, there are some network options you can pick from that will allow you to get coverage in different ways, depending on whether you are outside the network or inside the network. The HMO network option is the most common one, and what this does is gives you a low-cost Advantage plan that will only cover you inside the network. It provides you with full coverage inside the network.
PPO plans are another option. They cover you fully inside the network and partially outside the network. That partial coverage can come in quite handy if you live near the edge of the network or fully outside of it. That can also be useful if you travel often and may need to regularly go outside the network for your care.
PPO plans cost more, but they may be a better choice for some seniors looking for Advantage coverage. Check out the full selection of Blue Cross Blue Shield Medicare Advantage plans for 2020 and see what they offer and how they might save you money.