Eligible For Medicare? Two Reasons To Opt For An Advantage Plan
Medicare is generally available for individuals who are at least 65 years of age, younger people with certain disabilities, or anyone with End-Stage Renal Disease (ESRD.) The program has two parts: Part A covers hospitalization while Part B pertains to other medical costs. If you're eligible for Medicare, you might be thinking that Original Medicare is sufficient. However, the truth is there may be additional expenses that traditional Medicare does not provide coverage for. Take a look at how getting a Medicare Advantage plan is a great way to protect yourself against the risk of unforeseen medical expenses.
Medicare Advantage Plans May Have Zero Dollar Premiums
Qualifying for Original Medicare doesn't necessarily mean you'll be able to get it at no cost. The part B portion of the insurance typically has a premium of approximately $144.60 per month. This may not seem like a lot of money to some people, but if you're on a fixed income, every penny counts.
If you choose a Medicare Advantage plan, you may be able to get assistance with the Part B premium. Plans vary depending on which part of the country you reside in, but some Advantage policies will actually cover the cost of the part B premium and give you even better benefits for a zero dollar premium. There are some incredible options out there and the best way to see what is available is to contact a licensed insurance agent to find out what they can do for you.
Medicare Advantage Plans Have Additional Perks
It's always wonderful to get an insurance plan that provides you with outstanding benefits. You want your plan to work for you, and when you choose Medicare Advantage, there could some extra assets bundled right into the package.
For example, some Advantage plans include free gym memberships, provide transportation to and from doctor's appointments, allow for a stated number of meals delivered to your home after a medical procedure, and so much more. Also, you may be able to get a plan with vision, hearing, and dental coverage so you can see your specialists without having to pay as much out-of-pocket. These are the kinds of perks you definitely don't want to leave on the table.
Knowing your options gives you the power to make choices that improve your quality of life. Reach out to a local Medicare insurance agent right away so you can discuss the coverages and choose a Medicare plan that fits your needs.
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