Kaiser Medicare Advantage Plans 2020
Medicare Advantage insurance plans are one of Kaiser Permanente’s specialties. These are high coverage plans that Medicare has created that can replace some of the smaller medical insurance plans. Some people actually get rid of multiple insurance plans and substitute them with Medicare Advantage. The Kaiser Medicare Advantage plans for 2020 are worth looking into for any senior who feels that they may be able to do better than their current coverage plan.
We would like to tell you about Kaiser Permanente and their Advantage plans. Hopefully, this information helps you to make a better more informed decision when it comes to medical insurance. The more you know about your available options, the more likely you are to choose wisely and to save money over time.
The Kaiser Advantage
By choosing Kaiser Permanente, you will benefit from all of the following:
Kaisers’ own rate for Medicare Advantage plans
Kaiser’s personal brand of customer service
Kaiser’s unique coverage area, determining where you can receive full coverage
Kaiser’s personalized member perks
Kaiser determines what rates they want to set for their Advantage plans. Even though these plans bear the Medicare name, Advantage plans are priced by individual insurance companies like Kaiser. That means that there are tons of rates for any given plan at once, so you will want to source some quotes and compare the different prices to ensure you get a good deal. It’s easy to overpay for these kinds of insurance plans if you are not taking the time to compare some prices.
Kaiser has a limited coverage area for its Advantage plans. Any hospital, clinics or doctor’s office that accepts Kaiser’s plans will become part of their network, but of course, there are some medical facilities where their plans are not honored. Those are considered to be outside of their network, and you will never receive full coverage there. Check Kaiser’s network plan options, such as HMOs and PPOs, to see if you can find one that works for you. In short, the PPOs cost more and cover you partially outside the network and fully inside of it. HMOs cost less only cover you inside the network.
How Kaiser Advantage Plans Cover You
Medicare Advantage plans all have some assigned coverage. This basic coverage can be added onto the insurance companies, if they want to offer higher coverage Advantage plans.
The typical coverage includes all of Medicare Part A, Medicare Part B, urgently needed healthcare treatment, emergency medical care and Medicare Part D drug coverage. That Part D coverage is optional, and it is not part of the base coverage for Advantage plans, but the majority of Advantage plans will include it. If you have a Part D plan on its own, then you have to cancel that or choose a different Advantage plan that doesn’t include Part D. It’s usually cheaper to get a combined plans, such as those that have Advantage coverage and Part D coverage, than to buy the two separately.
Kaiser Medicare Advantage plans for 2020 can also include routine checkup coverage and cover for some prescription items that are not medications, such as eyeglasses, hearing aids and more.
There are a few different Medicare Advantage plans being offered by Kaiser, so be sure to look through all of them to get the one that fits you best. As your needs change, you may want to switch plans or upgrade your plan to include more coverage. You can always check back with us for the current prices to see if there is a better deal out there than what you have.
Medicare Advantage Enrollment
Advantage plans are going to be made available to you during Open Enrollment. This period comes around once a year and starts on October 15th. From there, the enrollment period runs until December 7th. You can use this time to enroll in a new plan or change up the plan you have for something else. You can also cancel your plan, as its term will run out about this time, if you signed up for one. Once you sign up during Open Enrollment, you will start to receive coverage on January 1st of the next year.
Advantage plans are available to any senior who is eligible for Medicare and its basic plan. That usually anyone who is 65 or older and a US citizen, but there are some exceptions as well. Some medical condition will qualify you for Medicare early, and if you would like to know more about eligibility, then you can contact us or a Medicare customer service representative.
Kaiser Advantage Plans and Health Insurance Compatibility
Many seniors come to Medicare Advantage while still enrolled in another health insurance plan of some kind. If that is you, then you need to be aware of how existing plans can have conflicts with Medicare Advantage. You won’t be able to sign up for two plans that have any identical coverage, no matter how small. That overlapping coverage means you would be paying for the same coverage item two times, and that is simply not allowed.
Here are the most common health insurance plans that conflict with Medicare Advantage:
Medicare Supplements (Medigap)
Union healthcare plans
Employer healthcare plans
Medicare Advantage is compatible with some types of healthcare plans, though. If you have Medicaid or Original Medicare, then you can sign up for an Advantage plan with no problem. If you have a Medicare plan with Medicare Part D included in the coverage, then you cannot have a separate Part D plan. If that is not the case, and your Part D plan is separate but there is no Part D included in the Advantage plans you are going to enroll in, then there is no conflict and you can be enrolled in both at the same time.
If you have questions about Kaiser Medicare Advantage plans for 2020 or any other health insurance plans, then we are the people to talk to. We can help you source some prices and help you find the right kind of coverage plan for your needs.