Tips on Switching Medicare Advantage Plans

​If you're not happy with your private Medicare Advantage plan, then you can still switch it. During that time, you may choose traditional Medicare that can provide coverage for your hospitalization and doctor consultations. You may also get a Medicare Advantage plan for additional benefits such as prescription drug, hearing, vision, and dental coverage. If you got Medicare Advantage already, you could switch to another plan next year, or you can revert to Original Medic​are during the sign-up period in fall. However, here are details on what you should do during the switch.

Compare Advantage Plans
If you want to stay with your original Medicare Advantage and simply switch plans, then you can either call Medicare at 800-633-4227 or use the Medicare Plan Finder tool. You can then find out other available Advantage plans in your location and compare them. Don’t use low monthly premiums as a basis. Some plans may tell you they have $0 premium policies but require out-of-pocket costs.

Estimate Out-of-Pocket Costs 
One excellent strategy is to make a careful estimate of your out-of-pocket costs in case you purchase the plan that you have in mind. Check out your past medical needs and add up deductibles, copays, coinsurance payments, and prescription drug costs. Otherwise, you can ask your insurer to help you do the calculations.

Investigate the Details of the Plans
Before you buy a plan, make sure that it will cover your medical treatment. Double-check the doctors and hospitals included in the plan's network. Also, double-check this information by talking to your healthcare providers to make sure that they take such a plan.

Avoid Surprise Medical Bills
If you don't like surprise medical bills, check out what happens if you decide to use a healthcare provider outside the network. Also, check out which preauthorizations and referrals you need if you have to see a specialist. Also, ask your insurer how you’ll get coverage in case you travel out of your area.

Know Where to Seek Help
Beware of sales pitches and advertising. To eliminate some of the confusion, check out the resources that can give you unbiased information. The best thing is the Medicare Plan Finder tool or the interactive tool of the Medicare Rights Center. 

Some Final Words
Choosing the right Medicare Advantage plan for you is crucial to your healthcare. The last thing you would need as a senior is an inconvenience when it comes to your medical needs. Get into the right Medicare Advantage plans with the right tools.

At Simplified Insurance Solutions, LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 340-7633. Get your free quote today by CLICKING HERE.