Aetna Medicare Advantage Plans
A Medicare Advantage plan can sometimes be known as Part C and will cover almost all of Medicare Part A and Part B and can also include Medicare Part D, which covers prescription drugs. With all this included in an Advantage plan, a senior will have tremendous health coverage to ease their minds and budgets. This is what a senior will get if they choose to get an Aetna Medicare Advantage plan.
Aetna has been in the insurance business for many years and these Medicare Advantage plans will give a senior a great deal of health coverage, which they will need in their coming years. Of all the Medicare plans issued, Aetna Advantage plans, for those who have turned 65, will get the greatest health benefits being offered today. You will find these plans have more coverage than Medicare Supplement plans or Original Medicare and when you are on a fixed budget, these plans are worth looking into.
How You Will be Covered
You may be wondering just what the medical coverage of these Advantage plans will be giving you. First off, you will still have Medicare Part A and Part B expenses taken care of like use of blood, hospital stays, physician visits, prescriptions and many tests and more medical costs. Emergency care will also be included, as well as, emergency room visits and ambulance transportation expenses. Depending on the urgent care needed, it too will be covered.
Medicare Part D which covers your prescription drugs such as generic and some of the name brand ones will also be part of an Advantage plan. An Advantage plan can also be known as Medicare Part C and with Medicare Part D added, you will have an extensive health insurance to meet your medical needs. You will have to check out the Advantage plans available in your area to find the one that will give you all the medical coverage you need and not cost a lot. The plans are the same wherever you live, but the insurance companies will determine what they will be charging for each plan. You may find that some of your prescriptions will not be covered with some plans, so it is advisable to look at each plan to find the one that fits you the best.
It can be very expensive for a senior, if they have multiple medical services they have to pay for. Aetna has been around for many years and these Advantage plans can be very beneficial. Besides covering your regular physician appointments, you will be able to get your eye checkups covered, seeing an audiologist, dentist and dental cleanings and other doctor visits can be covered. If needed your hearing aids will be covered and prescription eye wear and x-rays as well. These are great benefits for seniors and you will get this with an Aetna Advantage plan.
Aetna Has You Covered
You will see Aetna has many Advantage plans and you will be able to choose one that will fit into your monthly budget and give you the full medical coverage for your health needs. Some hospitals and doctors may not take these Advantage plans and those facilities are not included in the Aetna’s network. A network is made up of physician, hospitals, pharmacies and medical clinics that contract with Aetna. All those included in the network will accept your insurance.
Your basic Medicare Advantage plan is known as a HMO and you will be totally covered within their network. If you were to use a facility not within this network, your medical expense will not be paid. You will have to pay for them out of your own money. Many Medicare recipients will most likely get a HMO because it covers a great deal of medical services at a very reasonable rate.
Another Aetna Advantage plan is called PPO and also has great coverage. It also has a wide network and will pay some of the medical expenses if a person needed to use a facility that was not within the network. A higher monthly premium will have to be paid if this plan is chosen.
If you find that you have to travel often, than a HMP-POS plan will cover you within the network and pay for part of the medical services, if you have a medical situation outside of the network.
As long as you are 65 or older, you will be able to get one of these Aetna Medicare Advantage plans. Some people may have Special Needs and there is a plan for them. The premiums are reasonable and you will have to qualify to obtain this type of health policy. If you wish to see if you are eligible for this, please contact us and we will help you to find out if this health insurance is for your medical needs.
Finding the right Aetna Advantage plan to meet your medical issues may seem daunting and we are here to help. Our website can give you an idea of what plans are offered in your area and what the prices will be. You can see other insurance companies as well, and get a good idea of what is obtainable. Our insurance agents are well qualified to help make your decision easier.
Enrolling in Aetna’s Plans
You are probably wondering how you can sign up for an Aetna Medicare Advantage plan. First you will have to be 65 or older and have applied for Medicare. Advantage plans will work with Original Medicare and it includes it, as Medicare will cover some things that an Advantage plan does not.
You are able to enroll in Medicare three months before and three months after you turn 65. If you fail to sign up during this time frame, you can always sign during the enrollment period from October 15th to December 7th. Enrolling after the time frame will bring about an increased amount for the premiums, which you would want to avoid.
As we get older, our income decreases and we want to get as much for our money as possible. Finding an Advantage plan to fit your medical needs is important and you can start by going to our site to see what is available. We keep our site current, so it is a good idea to visit often to see if there are any changes in the plans offered and if the rates will be different in the coming year. You can compare Aetna against the other insurance companies and make an informed decision. If you still aren’t sure, feel free to call us at no obligations to you what so ever. We are happy to answer your questions and find the best health insurance for you. Choosing an Advantage plan quickly may cost you more money down the road. Some plans have more coverage than others and also some may cost more. It may seem overwhelming looking at all the plans and we really want to help you. So start now to find an Advantage plan with Aetna and you will be happy you did.