There are Medicare advantage plans and it can be hectic to decide which policy to go for. Along with, the aforementioned problem, the cost is also a major issue. The policies opted for should come under the cost bracket of an individual.
Tips to get a quote for any policy:
- Requirements in the 2019 Humana medicare advantage plans and policies:
Before calling any insurance agent to ask about the Medicare advantage plans available and get the quote for it, determine the needs related to the policy and the additional coverage that might be needed. To reach on this number, estimate the health care needs in the future and subtract the amount of coverage that is already covered through Medicare. Ensure that the expenses not covered by Medicare are also included in the cost estimate Such as the following:
- Any long-term care expenses like nursing facilities, homemaker services, or custodial care and include them in the estimate
- Travel expenses involved in any treatment of any health issues.
- Dental care expenses like dentures or bridgework.
- Costs related to routine checkups or care related vision or hearing aids and so on.
- Costs related to medical care if and when treated outside of US.
- Prescription drugs are covered under Plan D under the Medicare insurance policies and not under Medicare advantage plans after 1st January 2006. Hence, initiate the process for insurance under Plan D for insurance coverage of prescription drugs.
- Acupuncture costs, if any.
- Ask for a quote:
After deciding on the estimate of the medical expenses, look for policies online and review the policies online. As a next step, call the insurance agencies directly and speak with an insurance agent. Discuss the coverage that is needed and the insurance agent will guide through different policies that will be suitable for the particular needs stated and will give a price quote for the same. Contact two or more insurance companies to get a good idea and compare the policies and price quotes. Look at any value-added services offered by the insurance companies such as critical illness coverage, identity theft protection and so on. Make sure that only similar policies are being compared with one another and go for the best.
- Policy quote for spouse:
In case, Medicare advantage plans are needed for both you and your spouse, you need to ask a separate quote for your spouse as Medigap policies serve only one individual and do not take into consideration a married couple.