An AARP medicare advantage is one of the Medicare plans introduced to improve health care services needed by citizens who attain the age of 65 who have worked and paid into a system via payroll tax. The original Medicare was started in the year 1966. Its first recipients were President Harry S. Truman and his wife, the then First lady. Since then, a lot of development and changes have been given to this health care plan. Governments also provide health care for disabled young people and those with End-Stage Renal diseases.

The Medical advantage which is also known as Medicare part C is a type of medical & hospital coverage given by private institutions such as Insurance companies, Religious organizations, union and other kinds of private establishments. Notwithstanding, these private institutions are still being monitored by the federal government.


aarp medicare advantage

What are benefits?

This plan offers all benefits offered by other plans, which are: Medical insurance (Part A), Hospital insurance (Part B) and even more.

  • Below are some of numerous benefits of this plan. Different benefits are offered by different Medicare providers, it will be better if you investigate and find out the one that best suits you, so as to enroll for it. Benefits include:
  • All benefits offered by Part A.
  • All benefits offered by Part B.
  • Routine care for your hearing and vision.
  • Fitness program.
  • Prescription drug coverage.
  • Wellness services or a nurse helpline.
  • Health club membership.
  • Out-of-pocket limit.
  • Options including or exclusive of provider networks.
  • Premiums fitting a variety of budgets.

Other benefits include a reduction in 20% co-pays and high rate of deductions that happen in Original Medicare, coverage outside the United States and so on. Only one is not involved in Part C is the Medicare Supplement insurance (Medigap), as supplement plans only pay benefits in Original plan.

What are things you must know about?

Drug coverage is not possible if you are in HMO or PPO and want to join a stand-alone drug plan. It will only work if an option including drug coverage is selected. These are some of things peculiar about those who enroll for an Advantage plan:

  • Residence in plan’s service area and have Part A or Part B.
  • Using Advantage plan card instead of Medicare card.
  • Continually paying for Part B premium.
  • Paying for deductibles, co-payments, or coinsurance for services gotten. Paying also a premium for a plan.

In 2009, about 1.5 million Americans petitioned for chapter 11. A large portion of them were working class, accomplished property holders, much the same as you. Do you know what caused a large portion of those liquidations? It wasn’t a favor movable rate home loan or reaction from the money related emergency. As per an investigation distributed in the August 2009 American Journal of Medicine, over 60% of insolvencies have their main driver in medical bills.  Medicare Supplement 2019


“Unless you’re a Warren Buffett or Bill Gates, you’re one sickness far from monetary destroy in this nation,” says Harvard analyst and lead creator Steffie Woolhandler, M.D. Or then again, as one of my customers, a doctor, said to me, “You are only one stage far from the banana peel!”


Most importantly financing regularly expanding medicinal services costs is more likely than not one of your biggest dangers – if not the biggest – in retirement. Furthermore, since we know it is exceptionally difficult to make powerful move once you are as of now in monetary emergency, it is essential that you answer the accompanying inquiries before you resign.


If you are intending to resign before age 65…


  1. Do you have retiree medicinal services benefits accessible through your boss or association? Is it accessible for just you or you and your wards?


If you are among the few who have retiree benefits, tally your fortunate stars. As indicated by a February 2003 Issue Brief by the Employee Benefit Research Institute, just 12% of private U.S. firms offered retiree human services benefits. That number is relied upon to keep contracting later on because of quickly increasing expenses.


Regardless of whether you do have coverage, remember that not all designs are great designs, nor are they essentially moderate. You likewise should be mindful, as an early retiree, that your boss isn’t required to keep on offering you coverage and may end the arrangement whenever.


  1. Do you have any previous conditions which would affect your capacity to get coverage?


This is a particularly vital inquiry for the individuals who will get to the private insurance showcase. Singular insurance experiences a medical guaranteeing process. If you are un-insurable because of an interminable disease or condition, your lone alternative might be the state high hazard pool, which is normally exceptionally costly.


  1. Have you inspected the relative benefits of every one of your choices?


For instance, somebody with retiree coverage may likewise be qualified for COBRA and private insurance. It is essential to take a gander at the benefits accessible under every arrangement and their relative expenses. What is the lifetime most extreme? Are there survivor benefits? What are the out-of-take costs?


Another issue to consider is the likelihood of an adjustment in wellbeing status. If you are not qualified for retiree benefits, COBRA may be a decent choice, for year and a half, to overcome any issues until the point that you become qualified for Medicare. In any case, if COBRA won’t get you to Medicare qualification, you may be better off taking private coverage now, accepting you qualify, to fence the danger of a disease springing up in the 18 month time span that makes you un-insurable.


  1. Do you know when and how to enlist in Medicare?


Regardless of whether you are qualified for retiree benefits, your company will expect you to enlist in Medicare at age 65. By then, the retiree strategy for the most part becomes second-to-pay. If you get Social Security benefits before age 65, (which we don’t prompt), you will naturally be enlisted in Medicare Part A. You should choose whether to select in Parts B,C and D.


If you postpone Social Security benefits, you should contact Social Security some time amid the three months preceding your 65th birthday celebration to enlist. You totally would prefer not to miss the underlying enlistment window, which begins three months before your 65th birthday celebration, incorporates the month you turn age 65 and closes three months after that birthday.


Choosing between the Original Medicare and Medicare Advantage Plans has always been a tough task for most of the people due to all the complexities they bring with them. We can call this fight between the choices as Medicare Advantage vs. Medicare. According to federal law of U.S, the private insurance companies are bound to offer all those perks which are offered by the Original health insurance such as Medicare Part A and Part B. Moreover, according to the research, almost 90 percent of the Medicare Advantage Plans provide their members with prescription drug coverage. According to latest study, almost 68 percent of the health insurance Advantage members chose Health Maintenance Organization (HMO) plan whereas 27 percent chose Preferred Provider Organization and the reaming 5 percent chose other plans such as MSA and SNP, etc.

Some difference

Generally, HMO plan requires that its members can only seek assistance from in-network service providers (doctors and hospitals) and also a referral from primary care doctor is needed to see a specialist. However, PPO plan allows its members to avail out-of-network Medicare-approved services but at higher rate. But Original Medicare is entirely different from Medicare Advantage because it allows all of its members to see any out-of-network doctor or visit any hospital for that matter.  Medicare supplement plan G 2019

Pros and cons

Following are some of pros of health insurance Advantage Plans which have been gathered by Center for Medicare Advocacy:

  • A very small amount of paperwork is needed due to less usage of claim submission.
  • Healthcare Advantage Plans focus mainly on preventive care.
  • These plans also offer supplemental benefits as compared to Original health insurance and those benefits are routine vision, hearing, and dental check-ups.
  • You do not need to purchase any stand-alone package for drug coverage because health insurance Advantage plans are like a complete package.
  • These plans have introduced a very amazing way of cost saving in form of maximum limit on out-of-pocket costs.

Now let us discuss some cons:

  • Due to restricted network of service providers access to your favorite doctor, or hospital might be in jeopardy.
  • Requirement to get referral from your primary care doctor to see a specialist slows down process.
  • Less versatility in terms of dis enrollment or enrollment because once you enroll in health insurance Advantage Plans, then you will have to remain enrolled for a year. However, there are two exceptions one is an extra dis-enrollment period from January 1st to February 14th, and another one is enrollment period.