The Benefits Of Oregon Medicare Advantage Plans

When you turn 65, you'll need to make some important decisions about your health care

. This includes deciding which types of Medicare plans to purchase. Medicare is a government-sponsored healthcare program for seniors that gives them access to affordable care through the end of their lives. There are four types of Medicare: Part A, B, C, and D. Part A has no premium and covers hospital, skilled nursing, and home hospice care. Part B does have a premium and covers doctor visits and medical supplies. Part D also has a premium and covers prescription drugs. All three of these plans have deductibles and co-pays. Part C plans are also known as Oregon Medicare Advantage plans and give the option to combine Parts A, B, and D into one plan through a private insurance company. If you are considering Oregon Medicare Advantage plans, here are some of the benefits you can expect.

Combines Medicare Plans into One

If you are the type of person that likes to shop for everything in once place, Oregon Medicare Advantage plans will probably appeal to you. Instead of buying Parts A, B, and D separately, an Advantage plan allows you to combine all of your health insurance needs into one. You will continue to pay your premium for Part B, as well as any additional premium required by your Advantage plan. In exchange, you get all of your health benefits combined into one plan, eliminating a lot of the work involved with keeping track of your different Medicare plans.

Often Includes Extra Benefits

Medicare Parts A, B, and D are very limited in the type of benefits provided. With Oregon Medicare Advantage plans, you will often get extra benefits not otherwise included with Medicare. Private insurance companies provide these benefits as a way to motivate seniors to purchase their plans, and they can really boost the amount of coverage you receive. For example, if you were to enroll in Medicare Part A and B, you would only get basic coverage for hospital and doctor visits. If you decide to enroll in a Medicare Advantage plan, you might also get prescription drug coverage and dental coverage included with your new plan.

Saves Money

In most cases, purchasing a Medicare Advantage plan will save you money on health insurance. If you rarely visit the doctor and are generally very healthy, you could save a significant amount of money due to lower premiums associated with Advantage plans. If you have illnesses that require frequent doctor visits, you will want to do a little more research to find out which type of plan is more beneficial. Because Medical Advantage plans consolidate all of your Medicare plans into one, costs are reduced and the savings are passed on to you.

May Cover Individuals Under Age 65

Some Medicare Advantage plans will provide benefits to individuals under the age of 65. If you are approaching 65 and plan to retire, you may want to look at purchasing an Advantage plan now. This would eliminate the need to enroll in separate Medicare plans when you turn 65. Medicare Advantage plans can provide a great option for transitioning your healthcare as you retire.

As you approach age 65 and begin to prepare for retirement, you will need to ensure that you have healthcare coverage through Medicare. You have many options when it comes to Medicare, so do your research in order to find the plan that is right for you. There are many benefits to Medicare Advantage plans. These include the ability to consolidate your plans into one, extra coverage, cost savings, and coverage before the age of 65. Take these benefits into consideration as you make your decision.

by: Tyrion Lannister

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