You might not be eligible for the best Medicare Advantage Plans of 2018. While a large number of people are, there are some exceptions that will hold some back from being approved for such a plan. These plans come with more coverage than the original Medicare plan provides. This coverage includes cover for Medicare Part A and Part B.
But you won’t be able to get that coverage if you have end stage renal disease. You also won’t be eligible, in most cases, if you are not 65 and or are not a US citizen. Now that leaves a large percentage of the populace as eligible, but you do need to know what requirements you have to meet before you start trying to sign up for one of these plans. You don’t want to be disappointed by a lack of eligibility.
You should also know that the plans differ in some key ways. There are some Advantage plans that have more coverage than others, particularly those with Medicare Part D coverage, which takes care of a lot of the expenses of prescription drugs. And that’s not all. Many of these plans are offered on different networks. What that means is that you may not get the full coverage of the plan if you are not receiving your healthcare from one of the healthcare facilities that are part of the plans’ network.
There are a variety of networks for the different Advantage plans. The best Medicare Advantage Plans of 2018 can operate on any of the five different types of networks. The majority of them will work on one of two networks- an HMO or a PPO.
The two are fundamentally different in that an HMO only gives coverage at on-network facilities. A PPO is more generous, giving full coverage at on-network faculties but partial coverage everywhere else.
The problem with just going for the PPO is that it may cost more, since it casts a wider net of coverage. But you still need to be careful about visiting an off-network facility with a PPO plan. You won’t be getting the full benefits of your coverage plan if you do that, and it doesn’t make sense to sign up for a plan that won’t offer you full coverage at a medical facility somewhere nearby,
If you aren’t finding any plans from an insurance company that offer network coverage at any hospital or clinic near where you live, then you need to look for a different insurance company. They all have different networks, so you should be able to find one that offers network coverage for your area. You just need to keep looking.
Don’t forget to look at the prices too. The different insurance companies all have separate rates for the Advantage plans. The price you pay at one provider could be very different from what you pay at another. So be aware of that as you look for the best Medicare Advantage Plans for 2018. You want a plan that can cover you in your area, that give you the coverage you need and that you can afford.