Regence Medicare Advantage Plans for 2021
Regence Medicare Advantage plans for 2021 have increased their benefits for seniors when they enroll in an insurance plan. We are going to tell you some of the ins and outs of a Medicare Advantage plan. These plans have a great deal of medical coverage that goes beyond what Medicare takes care of and seniors can benefit greatly when they have an Advantage plan.
What is Medicare Advantage?
Only senior citizens are able to acquire an Advantage plan. The coverage entails most of Medicare Part A expenses and coverage for all of Part B costs. All Medicare Advantage plans include this coverage whether from Regence or any other insurance company.
Some Advantage plans will cover your prescription drugs which is known as Medicare Part D. This plan will give a senior more coverage and not cost a lot of money for their budgets. Most of Regence’s Advantage plans will include the Part D coverage.
You might wonder which plan is best for you. You will need to look at what your medical needs are and what medical costs you currently have. Original Medicare is included in an Advantage plan, but if you have other health insurance, you may have to cancel that, so the plans do not overlap.
Medicare Supplement Plans 2021
If you have health insurance from an employer or union, that is what may have to be discontinued, since you cannot have two health plans paying for the same medical services.
You may have signed up for a Medicare Supplement plan known as Medigap and you cannot have that plan and an Advantage plan at the same time. If you aren’t sure what you need to do, please call us and we can help you find the right Advantage plan for your situation. They are worth looking into.
How Regence Is Working for You
Regence sells the same Medicare Advantage plans that other insurance companies sell. There is the basic plan known as a HMO. There can be different variations and some will cover Medicare Part D, physician visits and other services. The difference will be what extra benefits each plan offers and how much these plans will cost.
Insurance companies can decide which plans they want to offer their clients and the rates they are charging. Where you live will determine the cost of the Advantage plans. The rates are different in every state. Our web site is available for you to put in your zip code and see what insurance companies are offering the Advantage plans and the rates they have. Having this at your fingertips to make comparisons is better than calling each individual insurance company and spending so much time on the phone.
Regence has some Advantage plans that can cost as little as $0 a month, but you will have to pay the annual deductible and what other medical costs left after the coverage starts. The best rates for these plans are offered to veterans and Regence has a great many plans for them.
One of the extra benefits Regence offers their clients is a free gym membership when they use Silver Fit primarily for seniors. Regence has contracts with many fitness centers and some YMCA’s across the United States which accept Silver Fit and seniors can exercise anytime they want. They want their clients to stay as healthy as possible and this plan will help with that.
Regence has a wide network that includes doctors, hospitals, pharmacies and medical clinics that accept their Advantage plans. The basic HMO will cover you totally when your use these facilities that are within the network, but you will not have any coverage of medical services that are out of the network.
If you don’t live near any of these facilities, you can get a PPO Advantage plan that will give you partial payment of services you need that are out of the network. Those who live in rural areas, may find this plan better for them. Regence is increasing its network all across the country so more seniors will be able to acquire their medical services easier.
Another benefit is being able to talk with a nurse or doctor when you have a medical problem any time day or night. This can help when you have a health situation and are not sure if you should see a doctor or go to the hospital. This definitely can keep your medical expenses lower and if you are having a serious health problem, you will get expert advice on how you should proceed.
There are other perks Regence offers their seniors and talking with one of their representatives will help you find the plan for your needs.
Advantage Plans on the Network
The Advantage plan network contains all the doctors, hospitals and medical facilities that will work with your Advantage plan. You may need to check out those facilities in the Advantage plan you are considering to see if these doctors and hospitals are in your area and you would use them. You will get full coverage with these providers, as long as, you stay within the network.
If you have need to go to someone who is not within the network, you will be responsible for the medical expenses. The PPO plan will help in that circumstance and you will get partial payment. The monthly premiums will be higher for this plan.
Your basic HMO Advantage plan has excellent coverage and should meet all your medical needs. The rates for a HMO are low and with the added perks can be of great value for a senior.
Some other benefits that are offered are regular visits to dentists, optometrist and hearing specialist. Some plans may also offer coverage for hearing aids and prescription eye glasses.
Comparing Regence’s Rates
Regence is one of the many sub companies of Blue Shield and offer low rates to their clients. You can visit our site and compare the rates among the Advantage policies and what they will cover. Many people will pay around $45 a month for their policy. Some may pay higher rates depending on the Advantage plan they choose. You really need to see what the plans offer and how much they are going to cost you each month.
So check out Regence Advantage plans and you will be able to find a plan that fits your medical needs. Many seniors have been very happy with their plans and now have the peace of mind knowing their medical expenses will be taken care of.