Original Medicare which is provided by the government have certain gaps which lead to excessive over the counter expenses. Medicare advantage plans fix those gaps with providing all of what Original Medicare provides along with certain more benefits. With the help of advantage plans a single company could manage your health needs and requirements. A major benefit of the medicare advantage plans is they are more efficient and responsive towards your health needs and cover almost everything you would require. However, in Original medicare only provides the basic health needs that are required by an individual. They are also not formulated according to the different needs of an individual. Listed below are some of the medicare advantage plans available in Alabama. Sign up for Medicare Advantage plans.
- Cigna HealthSpring Preferred Plus (HMO)
The plan does not have an annual in-network deductible and has an out0of-pocket limit of $3900. Out of pocket limit is nothing but the maximum you would spend on health services after which the insurance company would bear the rest of the cost. It supports part D of the medicare and provides prescription drugs. It also includes vision improvement services. That is from the vision test to eyewear. A total of $200 is spared on eye care every year. It also provides transportation costs but only up to 10 trips a year
- Humana Gold Plus SNP-DE H5619-093 (HMO D-SNP)
The plan is specially designed for special needs people that are for the people who receive Medicaid as well as Medicare, have certain chronic conditions, or live in an institution. They have a total deductible ranging from $0-$185, depending on their Medicaid. The plan provides Tier 1,2,3,4, and 5 of prescription drugs. That is preferred a generic, generic, preferred brand, bob-preferred drug, and speciality tier. The plan also provides additional dental, vision, hearing, fitness benefits, over the counter benefits, and transportation costs as well.
- Aetna Medicare Basic Plan (PPO)
Starting at a monthly premium of $0 and a star rating of 4.5 stars. There is a minimal charge that has to be paid to the primary as well as the specialist that has been visited. It also provides a $200 of deductible prescription drugs. The plan also covers an unlimited no. of days in hospital service in case of acute hospitalisation or psychiatric hospitalisation. The plan provides a fully paid hospitalisation after day 8. It also provides chiropractic care as well as mental health care.