Not all Medicare plans are put together the same. When comparing programs it is widely understood that there is no official “best” plan outside of what fits your highest quality of life. It is recommended to go with Medicare Advantage Part C because of its flexibility, being a fusion of Part A and Part B. When you choose the best Medicare plan it is entirely dependent on your special needs. The best options available for you are what works best for your budget and your healthcare requirements. When considering a Medicare plan, you can decide if you need Part A, Part B, Part C, Part D, or supplementary gap coverage.
Why Choose Medicare Advantage Part C?
While Part A and Part B are the go-to Original Medicare health insurance plan, Part C allows for more incorporation of additional services often left out by these two programs.
What Is Medicare Advantage Part C?
The Medicare Advantage Plan offers coverage of the Original Medicare plan along with many other benefits. This includes vision and dental coverage and can even include gym coverage with some private insurers. Other costs that you can see covered include private nursing, eyeglasses, hearing aids, and other unique services you won’t find in Part A or Part B. All the costs may be different because of the wide variety of healthcare plans available. All private insurers have different options available. On average, you might find a Medicare Advantage plan to be around $29, which is lower than the average Original Medicare plan.
What Insurer To Choose?
Because there are so many private insurers to choose from, you have to do a lot of in-depth research to find the right one. One rule-of-thumb is to go by the ratings of the company and take note of their past performance. You would want to check out their rate increases over the past few years. If their rate increases have changed often and only rise over the years, you will know that they may not be affordable in the future. If an insurer has a steady rate increase, it is a safe bet that you can stick with them in the long-term. Also, see what their financial ratings are. You want to be sure there are low fees and great ratings so that you know the company is very reputable.
Should I Get Gap Coverage Or Plan D?
Many of the private insurers offer some drug coverage options in the Plan C programs. However, if you feel that it is not comprehensive enough and don’t want to continue your research, you can just add on Plan D to save you some time. Otherwise, just find an insurer that includes some prescription coverage options. You only need supplemental insurance if you feel that you will be traveling a lot and need out-of-network coverage. Most insurers give you coverage only if you are working with an insurer that is covered by Medicare. With a supplementary plan, you can visit doctors and medical facilities across the states with no additional fees associated.
Let Us Help You Find The Right Plan
When you are ready to enroll, you can work with a dedicated agent who can help you review your options. The Insurance Professionals of Arizona will select a plan with options that work best for you.