4 impressive Medicare health insurance plans
Medicare Advantage, often known as Medicare Part C, is a form of medical insurance for people older than 65 years. A bundled health plan called Medicare Advantage offers medical benefits that are as good as Original Medicare (Parts A and B). The plans are an excellent way to simplify your insurance because they frequently cover prescription medication, dental work, and vision care. Read on to find out which providers top the list for Medicare insurance.
Cigna
Cigna provides a wide range of Medicare Advantage plans, including three types of Special Needs Plans for individuals with more complex health needs. It provides telehealth services 24 hours a day, seven days a week.
The extra benefits provided by Cigna are extensive. Some of these include transportation assistance, over-the-counter allowances, health and wellness discount, home-delivered meals, and a program to help people find assistance paying for essential needs, such as housing, food, prescriptions, dental, vision, hearing, and fitness.
All these benefits come at a cost, though, as Cigna can be pricey, even though many of its plans have no or low premiums or deductibles. Higher out-of-pocket maximums of nearly $6,000 are common.
Blue Cross Blue Shield
If you want the stability of a well-established insurance company and the flexibility of a large network of doctors and medical providers, consider Blue Cross Blue Shield (BCBS).
Medicare Advantage plans from BCBS are generally more expensive than plans from other providers. However, there are a variety of plans available, and many locations offer $0 plans. The plans with better benefits may cost more than $150 per month. Despite the variety of plans available, most BCBS Medicare Advantage plans provide adequate prescription coverage, and benefits frequently include generic prescriptions without the need to meet a deductible.
Humana
Consider Humana plans if you want comprehensive coverage. The national health care provider serves seniors in all 50 states and Washington, D.C., and offers plans with no monthly premiums, physician copays, or specialist copays. Additionally, you gain access to the online MyHumana portal after becoming a member. You can pay your premium, find a doctor, and even find additional information such as a pricing guide on this platform.
In addition to the MyHumana platform, all members have access to the Go365 wellness program. Members can save money on their monthly health insurance premiums by engaging in healthy activities such as working out.Â
Aetna
With Aetna, it’s simple to obtain the coverage you require. Moreover, you can take advantage of extra benefits, such as prescription home delivery, access to a 24-hour nurse line, and a SilverSneakers workout membership.Â
Depending on the plan, monthly premiums can be as little as $0. Physician and specialist copays begin at $35 and $50, respectively. HMO, HMO-POS, PPO, and dual special needs plans are among the coverage options that Aetna provides to suit a variety of needs and price ranges. Many plans also provide coverage for extra services, including dental, vision, hearing, lifestyle, and transportation, and some over-the-counter products, such as cold remedies.
When it comes to Medicare Advantage plans, the options continue to expand, so we hope this list of the best companies that offer Medicare Advantage plans is useful to you.