Advantage plans are a great option for seniors who are looking to consolidate multiple medical insurance plans or who want to lower their healthcare costs. United Healthcare Medicare Advantage 2020 gives you the ability to minimize out-of-pocket costs and get powerful coverage through a Medicare plan sold by a trusted private insurer.
Let’s look at Medicare Advantage for a few moments, and hopefully this information will help you to make a more informed decision.
Advantage Plans Cover More
The most important thing to know about Medicare Advantage is what it covers. You don’t even want to consider this kind of insurance plans as an option if it doesn’t fit your needs. While these may be powerful health insurance plans with tons of coverage and an economical price tag, they are not going to be right for everyone. Let’s break down what you can expect to be covered for by a Medicare Advantage plan.
First of all, they cover you for just about everything that Original Medicare does. That would be all of Medicare parts A and B, save for the hospice care coverage from Part A. That hospice care will still be covered by Medicare directly, even when you sign up for an Advantage plan through a private carrier like United Healthcare.
Secondly, the Advantage plans will cover the cost of urgently needed medical care services. This would be any medical care that your doctor says you need in order to keep you in good health and to prevent a life-threatening situation from occurring. It could include medications, surgery, medical tests and all sorts of other services and expenses.
Thirdly, you will be covered for any emergency medical services. Now, many emergency care services are covered under Medicare parts A and B, but this bit of coverage takes care of all the rest, including those ambulance and ER services that are not included in parts A or B of Medicare.
This is all of the basic coverage that comes standard with Medicare Advantage plans. No matter which of the United Healthcare Advantage plans you sign up for, you will get all of this coverage. You can get higher coverage plans as well, which will cover you for more than these basic plans do. That could include coverage like a drug plan for prescription medication and a bunch of coverage for checkups. Check to see what kind of coverage you are getting from the Advantage plan before you sign up. There are lots of variations of these coverage setups that you could end up with.
You also want to pay attention to the member bonuses you get. These perks or benefits don’t cost you anything extra than the base premium you would pay each month. They can include services like gym memberships, full access to medical professionals at any time of day, discounted healthcare services, coverage for nonessential healthcare and a whole lot more. United Healthcare has their own set of benefits that they offer that are not considered part of the Medicare Advantage plans. These are just perks you get for signing up for any of United Healthcare’s plans and being a member with them.
Buying Medicare Advantage through United Healthcare
We point out United Healthcare Medicare Advantage 2020 to seniors, because we think they are a good option for many people. This insurance company has grown considerably over the last few years, adding AARP to its list of partners and making it more attractive for seniors all over the country.
They also have a large network of healthcare providers with which they work, and that means that they can provide you with coverage in more places than much of their competition can. You can enjoy peace of mind that you will be well covered and that your plan will have value for you.
You can only be fully covered by your Advantage plan while you are in your carrier’s network. Going outside of the network means that you won’t get full coverage from your plan. You might not even get any coverage at all. United Healthcare offers two different primary network options or you to pick from- HMO and PPO. The HMO will be the cheaper option up front, and it will only cover you on the carrier’s network. The PPO will cover you both on and off, but only give you partial coverage outside of the network. You will want to choose wisely so that you are well covered wherever you live. Most people who live outside of their carrier’s network will sign up for the PPO option to save money and ensure they get some coverage no matter where they go for healthcare services.
Signing Up for an Advantage Plan in 2020
If you want to start enjoying Advantage coverage by 2020, then you need to sign up for one of the plans as soon as Open Enrollment start. This enrollment period will begin on October 15th. It runs until December 7th, and that is when you will need to have your application for enrollment in. If you are approved, then you can be covered starting on January 1st. If you wait too long, then you may not be able to get one of these plans until 2021 and have to wait until Open Enrolment next year to sign up.
So long as you are 65 years old, you should be able to get approval for the Advantage plan you apply for. You can apply through United Healthcare or another insurance carrier of your choosing. If you are concerned about the price of the plan and whether you are getting a good deal or not, then use our website. We offer you a free way to source quotes on United Healthcare Medicare Advantage 2020 and other insurance plans from other insurance providers. Use this tool to compare prices and ensure you get the best possible deal, and be sure to talk to us to get any questions answered or to get some help in choosing the right coverage plan.