Are you thinking about enrolling in a Medicare Advantage plan? Choosing from all the different plans that are available is no simple task. That’s why in this week’s blog, we’ve put together a list of questions that will help you vet plans as you browse them. Keep this list handy as you look through plans in your area in order to help you make the best choice for you!
6 Questions to Ask When Choosing a Medicare Advantage Plan
1. Does your doctor participate in the plan?
A top priority for many people is choosing a plan that their doctor participates in. This will play a big role in informing your choice. If your doctor doesn’t participate in a plan and you still want to go with Medicare Advantage, make sure to do thorough research on choosing a new doctor who participates in the plan you’re looking at.
2. What is the coverage network?
Medicare Advantage plans each have their own network of doctors and health care providers and facilities that are covered. Make sure the plan you choose has a network that coincides with your medical needs and your geographical area. If you travel frequently, it may be smarter to choose a PPO over an HMO.
3. What medical services are covered?
Medicare Advantage can’t charge more than Original Medicare for some services, such as chemotherapy, dialysis, and skilled nursing facility care. However, it can charge different amounts for other medical services. Know what medical services the plan covers before making your choice.
4. What prescription drugs are covered?
One of the benefits of many Medicare Advantage plans is that they offer more comprehensive prescription drug coverage. Make sure this coverage coincides with your medication needs.
5. What is the plan’s rating?
Plans are rated on star rating system from 1-5, with 5 stars being the best possible rating. These ratings take a number of factors into consideration, such as customer service and complaints made against the plan.
6. What is the delivery care model?
Most carriers are passive. You get sick, you go to the doctor, the insurance company pays the claim.
With a proactive carrier, doctors are required to perform 360 reviews on each patient every year. If a patient is admitted to a hospital under emergency care, their doctor is required to schedule a follow-up appointment with them after they are released. The emphasis with proactive care models is on prevention.
About Global Premier Benefits
Global Premier Benefits offers education for seniors on healthcare options available to them that could improve their quality of life and defray their healthcare costs as well. Our goal is to enable seniors to live healthy, rewarding lives without compromising their finances. Call us at 1-866-229-8447 to speak with a certified specialist to see if you qualify for extra help! You can also keep up with Global Premier Benefits on Facebook, Twitter, Google+, YouTube, and Pinterest.
Tags: Medicare Advantage