3 Compelling Reasons To Say Goodbye To Medicare Advantage Plans!

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In the complex landscape of American healthcare, understanding Medicare Advantage and Medicare Supplement plans for 2024 is crucial for anyone navigating Medicare benefits. Medicare, the federal health insurance program primarily for individuals aged 65 and older, as well as some younger individuals with disabilities, offers several coverage options beyond its basic components. Let's delve into these options and explore the Top 3 reasons YOU SHOULD DITCH the Medicare advantage plans.

Medicare Basics: Medicare Part B and Beyond
Medicare consists of several parts, each covering different aspects of healthcare. Medicare Part B, often known as outpatient or medical insurance, covers services like doctor visits, preventive services, and outpatient care. It also covers durable medical equipment and some home health care. Part B is one of the components where Medicare Advantage and Medicare Supplement plans come into play.

Medicare Advantage vs. Medicare Supplement Plans
Medicare Advantage Plans: These are offered by private companies approved by Medicare. They must cover all Medicare Part A (hospital insurance) and Part B benefits. Many Advantage plans also include prescription drug coverage (Part D) and may offer additional benefits such as dental, vision, and wellness programs. They operate within networks like Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs), which can affect which doctors and hospitals you can use.

Medicare Supplement Plans (Medigap): These plans are also provided by private companies but are designed to supplement Original Medicare (Parts A and B). They help pay for costs such as copayments, coinsurance, and deductibles that Medicare doesn't cover. Medigap plans work alongside Original Medicare, so you can typically see any doctor or specialist who accepts Medicare.

Popular Medicare Supplement Plans: G and N
Two of the most popular Medigap plans are Medicare Plan G and Medicare Plan N:

Medicare Plan G: This plan covers nearly all Medicare-approved expenses that Medicare Part A and Part B don't cover, except for the Medicare Part B deductible.

Medicare Plan N: Plan N also covers most of the gaps left by Medicare Part A and Part B, but it requires copayments for some services like doctor visits and emergency room visits.

Choosing between these plans depends on individual healthcare needs, budget, and preferences for out-of-pocket costs versus monthly premiums.

Major Providers of Medicare Plans
Several major insurance companies offer Medicare Advantage and Medicare Supplement plans, each with its own benefits and coverage options tailored to different needs:

Blue Cross: Known for its broad network and comprehensive coverage options.

IBX (Independence Blue Cross): Offers various Medicare Advantage and Medigap plans with a focus on local networks and customer service.

Aetna: Provides a wide range of Medicare Advantage plans across the country, often including additional benefits like fitness programs.

Cigna: Offers Medicare Advantage plans with focus areas on wellness and preventive care.

Humana: Known for its Medicare Advantage plans with added benefits such as dental and vision coverage.

United Healthcare: Offers a variety of Medicare Advantage plans and Medigap options, often with robust online tools for managing healthcare needs.

AARP: Although not an insurance company itself, AARP collaborates with United Healthcare to offer Medicare plans designed with the needs of older adults in mind.

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Disclaimer: This video is for entertainment purposes only. If you want advice on Medicare or any of its plans, please speak to a licensed agent, whether it is me or another licensed agent. No advice should be taken from this video. If you don't speak to me about your individual concerns, I can't give you my 100% opinion. Brian Monahan and Medicare 365 are not responsible for any actions that you take.


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