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Best Medicare Advantage Plans 2020

When a senior enrolls for a Medicare Advantage plan, a few benefits covered are Medicare’s Medically Necessary Services including all the services that Original Medicare covers as well as Emergency care. Other benefits may include Part D prescription drugs plans, dental care, visual and hearing aids, and tests, fitness and gym membership programs, and some costs for clinical research studies. Depending on your insurance provider, these additional benefits may differ. The cost, premiums, and deductibles also differ from plan to plan and provider to provider. Another great benefit of Medicare Advantage is that there is always a limit to the out-of-pocket cost you can incur in a year.

best medicare advantage plans 2020

The Types of Medicare Advantage Plans

The Medicare Advantage plans generally include Health Maintenance Organizations (HMO), Preferred Provider Organization (PPO), Preferred Fee-for-Service (PFFS), Health Maintenance Organization Point-of-Service (HMO-POS), Exclusive Provider Organizations (EPO), Special Needs Plan (SNP) and Medicare Medical Savings Account (MSA).

Best Medicare Advantage Part C Insurance Providers

Several insurance companies provide Medicare Advantage as long as they are approved by Medicare. This may be your usual insurance company or a healthcare insurance company. Here’s a brief of the 4 most respectable, largest, and best insurance providers of Medicare Advantage. If you are wondering why we pick out these 4 companies, it is because they offer the most affordable rates, have a vast network of medical service providers including doctors, hospitals, pharmacies, and mental health facilities and regardless of their lower prices (it is not difficult to find plans that offer lower premiums a $0 premium), they still offer many additional benefits you won’t get from many providers.

Aetna Medicare Advantage Plans 2020

Committed to creating a healthier, stronger global community and helping you age with elegance and strength, Aetna International is one of the Industry’s largest and most prominent health benefits providers which delivers all-inclusive and affordable health benefits and population health management solutions. Founded in 1853, Aetna provides healthcare, dental, pharmacy, group life, and disability insurance as well as employee benefits. With the PPO plan getting a 4 out of 5-star rating in 2017 award by Center for Medicare and Medicaid Services (CMS), Aetna Medicare Advantage ensures that you stay healthy by helping you manage your long term medical condition or illness and ensuring that you are satisfied with the plan you choose. With over 200,000 doctors and specialists and 1900 hospitals in the Aetna network, you won’t have a problem finding a primary healthcare physician in your area for your convenience. Aetna Medicare Advantage plans you can enroll in for the year includes HMO, HMO-POS, and PPO.

Humana Medicare Advantage Plans 2020

One of the three largest health insurance companies in America, Humana is committed to health and wellness innovation in the global community. Based in Louisville, Kentucky, the company’s history dates back to 1961 when it started as a nursing home under the name Extendicare Inc. In 1974, the corporate name was changed to Humana Inc. which shows from its name, the higher level of human wellness and humane care they hope to achieve. However, it wasn’t until 1984 that Humana started its health insurance plans. With more than 13 million members and 42,000 employees, Humana keeps proving itself as a respectable, quality health insurance company. Humana MA plans include HMO, PPO, PFFS, and SNP.

Cigna Medicare Advantage Plans 2020

Formed in 1982, Cigna caters primarily to U.S citizens and selected international markets. We talk about them here because of their commitment to quality care and promotion of health and wellbeing even as you age. Ranked 65th on the 2019 Fortune 500 list and named to Dow Jones Sustainability Indices in 2018 World Index and North America Index, Cigna not only cares about your body health and wellness, but there are also equal provisions for the progress of your mind and mental health. 

With over 170 million global customers, 74, 000 employee workforce, and a coverage of more than 30 countries all over the world, Cigna Corporation is one of the largest, most-respected medical health insurance companies in the world.  Branded as Cigna-Healthspring, the Medicare Advantage plans you may enroll in for the year includes HMO, PPO, EPO, HMO-POS, and PFFS.

AARP Medicare Advantage Plans 2020

With more than 30 million members as of 2018, AARP is one of the world’s biggest medical insurance providers for senior citizens in America. With AARP’s Medicare Advantage from UnitedHealthcare, Senior citizens of 65 years or older can save up to hundreds of dollars monthly on their healthcare. In some states, AARP Medicare Advantage plans are available to younger people living with a disability or End-Stage Renal Disease. Formally known as the American Association of Retired People, AARP is a nonprofit organization that empowers people to choose how they live as they age.

Do You Need a Network Provider for All Medicare Advantage Plans?

No, you don’t need a network provider for all Medicare Advantage plans. For HMO and EPO, you need to use a network provider for medical services except in case of emergencies. If you use an out of network for non-emergency cases, your healthcare cost may not be covered. The HMO plan may be best if you don’t travel a lot. However, other Medicare Advantage plans don’t necessarily require you to use an in-network provider, although it is generally the cheaper option as you may get network provider discounts and rewards. 

You may incur higher out-of-pocket costs, copays, and co-insurance, when you use out-of-network provider services and facilities even in other Medicare Advantage plans such as PPO, HMO-POS, or PFFS.

Best Medicare Advantage Plan If You Have A Chronic Condition

A Medicare Advantage Special Needs Plan (SNP) may be most beneficial for citizens with chronic conditions such as diabetes who need frequent hospital visits for checkups, more hospital stays, and procedures. Medicare Advantage Special Needs Plans especially cater to people with chronic health conditions (such as diabetes, heart failure, End-stage kidney disease, and cardiovascular disorder), individuals that are eligible for Medicare and Medicaid (Dual SNP), or that are long term residents in a healthcare facility.

It is important to compare plans, insurance companies, prices, and available services in your area when enrolling for a 2020 Medicare Advantage Plan. We can help you with your comparison, use our website tools to get quotes and available plans in your areas.