Comparisonsmaster
Selecting The Medicare Plan That Will Provide The Most Benefit For Your Cash
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Medicare “Part A” is basically hospitalization insurance. It provides for hospital care and treatments of serious illnesses and injuries. “Part B” is medical insurance, that provides coverage for doctor visits, therapy treatments, lab work and similar items. Neither A or B covers prescription drugs, which is offered through what’s called “Part D”.
Even with having A, B and D, some important medical needs are not covered – such as dental and vision. Medicare allows you to buy a combination policy, called a Medicare Advantage Plan. These plans not only combine the coverage found in A, B and D, but usually many other benefits as well such as dental, vision and more. These plans are regulated by Medicare, but are sold and administered by private insurance companies. The best rated of these plans are listed below.
Medicare “Part A” is basically hospitalization insurance. It provides for hospital care and treatments of serious illnesses and injuries. “Part B” is medical insurance, that provides coverage for doctor visits, therapy treatments, lab work and similar items. Neither A or B covers prescription drugs, which is offered through what’s called “Part D”.
Even with having A, B and D, some important medical needs are not covered – such as dental and vision. Medicare allows you to buy a combination policy, called a Medicare Advantage Plan. These plans not only combine the coverage found in A, B and D, but usually many other benefits as well such as dental, vision and more. These plans are regulated by Medicare, but are sold and administered by private insurance companies. The best rated of these plans are listed below.
AARP
The famous retirement group offers various medical insurance plans, including a selection of Medicare Advantage plans. They offer a nice amount of extras not covered by regular Medicare, including: dental exams, vision and eyewear coverage, foot coverage and even a special fitness program. Also, they cover care by many kinds of medical specialists with a low patient copay. A special feature AARP arranges is automatic payment for the insurance, deducted from your Social Security benefit payment.
Aetna
Besides offering a variety of Advantage plans, Aetna is highly rated for having clear and extensive information available about their plans and the different coverages available. You can get very personally tailored information and quotes on their website, which allows you to get the right kind of coverage and not spend more than necessary. They even offer a zero premium plan – although of course your deductibles and copayments will be higher.
Blue Cross Blue Shield (BCBS)
BCBS is a pioneer in group health insurance and is actually an umbrella group for dozens of regional insurance providers spread out nationwide. Most of these regional companies provide a large choice of Advantage plans, including basic plans with low premiums. A nice feature is that you can get detailed information without having to give a bunch of personal details. Also, they have local agents who can personally assist you.
Cigna
This insurance giant’s Advantage plans have some of the best overall ratings of all nationwide insurance companies. In addition to typical Advantage extras such as dental and vision, Cigna can also help with transportation, over-the-counter drug allowances, home-delivered meals and health and wellness discounts. To assist people with complex or special medical needs, there is a choice of three Special Needs Plans. Cigna also provides its members access to a 24/7 telehealth service.
Humana
This large insurance company also allows you to get customized and personally tailored information on their website, without having to give a bunch of personal information first. They make it very clear exactly what your coverage will be and what it will cost. They offer a large variety of Advantage plans, including several types of HMOs and PPOs.
