If you’ve been paying attention to your Medicare Advantage plan’s rates, you know that they’re going up. You can raise your premium by as much as 5 percent if you’re willing to pay more each year.
The good news: It’s easier than ever before to get the same or better coverage at a lower cost than when you first signed up for the plan. Here are three reasons why you should consider changing your Medicare Advantage plan:
You Want More Flexibility
You can choose from various benefits and coverage options that meet your needs. When choosing a Humana Medicare Advantage Plans 2024, it’s essential to consider your current needs and anticipated medical expenses. If you want more flexibility and options, consider raising your plan level to one that offers additional coverage options, such as dental, vision, and hearing services.
You might want more flexibility in the following ways:
- You want to switch doctors: You can change doctors and clinics at no cost when starting a new plan. This can give you more control over your healthcare decisions, including where you go for treatment and what tests are done.
- You want flexible drug coverage: Some Medicare Advantage plans cover drugs differently than Original Medicare, but only if your state’s Medicaid program approves them. If your preferred manufacturer doesn’t offer this coverage, then it’s likely that another manufacturer will fill in its place, as long as they’re comparable in price. This could allow you to get a less expensive generic drug instead of paying more for a brand-name medication.
The Value of Extra Benefits
If you have a particular condition or need not covered by your current plan, consider adding it to your new one. This can help protect your health and save money in the long run. For example, if you have COPD (chronic obstructive pulmonary disease), which requires regular medical treatment, getting coverage for medications may be very important.
Some Medicare plans offer benefits beyond those required by law, such as vision care or dental services. If your current plan doesn’t cover these but is essential to you, consider raising its premium to include them in your new coverage.
The Medicare Advantage program allows you to receive a variety of extra benefits. They include:
- Mental health services — If you suffer from depression or anxiety, you can get counseling and medication from a licensed provider.
- Prescription drug coverage — You can get prescription drug coverage for your whole family so that everyone in your household can access medications their doctor prescribes.
- Inpatient hospital care — If you need medical care in an emergency room or intensive care unit, you’ll be covered to get exceptional care at no additional cost.
- In-home health services — You can get assistance with daily living activities like bathing and dressing if needed during a hospital stay.
You Want Better Service
Because you’re paying more money, you expect your Humana Medicare Advantage Plans 2024 to be better than the original Medicare plan. It should be, because that’s what you’re paying for. But other factors can contribute to the quality of your plan and how it performs.
For example, some plans are better than others at negotiating prices with providers and making sure you get the best possible care. Others may offer more comprehensive coverage for your needs or have a reputation for customer service superior to what you experienced with your original plan.
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