An increasing number of senior citizens are choosing Medicare
Advantage Part C plans for their health coverage. It's because if you choose
carefully, you can find excellent coverage for a $0 monthly premium. In
Philadelphia, zero plans cover hospital and doctor costs – and much more. Major carriers offer the plans, and
independent insurance agents like BroadZero can explain your options. You could
spend hours researching to compare the coverage. Or, you could save all of that
time and let an agent quickly and easily explain the benefits of each plan, and
which one could be right for you.
$0 premium Medicare Advantage plans from top carriers come with
excellent networks of health care providers. From primary care physicians to
medical specialists, their members enjoy access to quality care. For retirees
living on fixed incomes, eliminating monthly insurance premiums frees up cash
to use for other life essentials. Because original Medicare is an 80/20 plan,
it means that recipients are responsible for 20-percent of their medical
expenses. With an Advantage plan, insurance carriers agree to provide care that
their members need without the requirement that recipients pay 20-percent.
If you're currently in traditional Medicare or about to become
eligible, make sure to sign up in your open enrollment period. Each year for
Medicare Advantage plans, open enrollment takes place between October 15 and
December 7. During that window, you can enroll or make changes to your policy.
It's also known as Medicare Part C coverage, and the plans cover all medical
and hospitalization costs that fall under Part A and part B of Original
Medicare. Enrolling in an Advantage plan with $0 premiums reduces your monthly
bills and, in many ways, simplifies the process of getting the health care your
need.
Depending on the carrier you choose, you may end up expanding the
range of benefits available to you. Advantage plans can offer things not
included in traditional Medicare, such as prescription drug coverage, dental,
vision, gym memberships, and credits toward the purchase of over-the-counter
medicines. Therefore, for many retirees living on fixed incomes, they become
attractive options to reduce monthly expenses. In Philadelphia, some carriers
even provide transportation to and from doctor visits. It's why comparing plans
with the advice of an agent before you choose makes such good sense.
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