Medicare Advantage Plans are available in Pennsylvania and can be a great option for those who are eligible. These plans offer many benefits, including prescription drug coverage, dental coverage, and vision coverage. They also often include fitness benefits and wellness programs. If you are looking for a plan that offers more benefits than Original Medicare, a Medicare Advantage Plan may be right for you!
How Many Plans Are Available?
Plans are required to offer the same level of care as Original Medicare. This may include additional health care benefits, such as prescription drug coverage, routine hearing, vision, and dental exams, and fitness club memberships:
- In 2022, there are 240 Medicare Advantage Plans available in Pennsylvania.
- 100% of the total Medicare population in Pennsylvania has access to a Medicare Advantage Plan with a $0 monthly premium in 2022
- In 2022, the average monthly premium for a Medicare Advantage Plan in Pennsylvania is $32.79, a decrease from $38.72 in 2021
- Thirty-nine Medicare Advantage Plans offer innovative benefits, such as wellness and health care planning, reduced cost-sharing, and rewards and incentives programs in 2022
Designed to be an all-in-one solution, Medicare Advantage Plans are offered by Medicare-approved private insurance companies. There are several types of Medicare Advantage Plans available, depending on your insurance provider and location. Learn the differences between these plans and how they affect your coverage so that you can make the right choice for your medical situation.
What Are The Different Carriers Available?
The following are some insurance companies that offer Medicare Advantage Plans in Pennsylvania: Aetna, Amerigroup, Anthem Blue Cross and Blue Shield, Assurant Health, Cigna, Continental General Insurance Company, Coventry Health and Life Insurance Company, Empire Blue Cross and Blue Shield (BCBS), Freedom Health Insurance Company, Golden Rule Insurance Company, Humana Medical Plan of Pennsylvania.
What Do Medicare Advantage Plans Cover?
Medicare Advantage Plans must cover all of the services that Original Medicare covers, except hospice care. Some plans may also offer extra coverage, like routine dental and vision care, fitness memberships, and prescription drugs.
How Do I Enroll In A Plan?
If you’re interested in enrolling in a Medicare Advantage Plan, the first step is to contact us directly. You can call us at 800-339-4112.
Types of Medicare Advantage Plans in Pennsylvania
The following are the types of Medicare Advantage Plans available in Pennsylvania:
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPOs)
- Private Fee-for-Service (PFFS) Plans
- Special Needs Plans (SNPs)
Health Maintenance Organizations (HMOs): With an HMO plan, you’ll receive your health care from in-network providers. You may need to get a referral from your primary care doctor to see a specialist.
Preferred Provider Organizations (PPOs): PPO plans also have in-network providers, but you can see out-of-network doctors too. You may pay more for visiting an out-of-network doctor.
Private Fee-for-Service (PFFS) Plans: With a PFFS plan, you can usually see any doctor that accepts the plan’s terms and conditions.
Special Needs Plans (SNPs): SNPs are designed for people with specific health needs or who live in certain types of long-term care facilities, like a nursing home.
You can also enroll in a Medicare Advantage Plan if you have a Medicare Cost plan, but you’ll lose your Cost plan coverage.
How Much Does A Medicare Advantage Plan Cost?
The monthly premium for a Medicare Advantage Plan may be lower than what you pay for Original Medicare. You may also have to pay a copayment or coinsurance for some services. Some plans may offer extra benefits for an additional cost.
Comparing Medicare Advantage Plans in Pennsylvania
When you’re comparing Medicare Advantage Plans, it’s important to consider the following:
- The monthly premium
- The deductible (if any)
- What’s covered and what’s not
- How much you’ll pay for services
- The network of doctors, hospitals, and other providers
- The quality rating
You can also use the Medicare Plan Finder tool to compare plans in your area.
If you have questions about Medicare Advantage Plans or need help finding a plan please give us a shout.