Ohio Medicare Advantage Plans

December 6, 2007 · Medicare Supplements
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Medicare Advantage plans are relatively new products in the insurance marketplace.  In a nutshell, they allow consumers to opt out of traditional government provided Medicare coverage, forgo Medicare Supplement coverage and enroll in a Medicare Advantage plan with a private insurance company like Anthem,

Aetna or United Health Care.  Advantage plans are designed to provide Medicare type coverage while also filling in some of the uncovered gaps.  Typically, plans will have small co-pay amounts due for certain services.

(It is our opinion that Medicare eligible consumers who qualify for and can afford a Medicare supplement will have superior coverage to those on an Advantage plan.)

Medicare Disability Coverage 

However, there are consumers who cannot qualify for supplemental insurance.  They might be on Medicare disability and under age 65.  Most insurance companies will not underwrite a disabled person under age 65 for a Medicare Supplement*.  A consumer caught in this situation will have insurance gaps not covered by Medicare.  An Advantage plan might be the only option available to help fill some of the uncovered gaps.

And there are those who will not be able to afford a supplemental plan.  In these cases, popular Medigap plans such as C, F and J are financially out of reach for consumers on a tight budget.  Additionally, a select few seniors might not have enrolled in a Medigap plan during their open enrollment period.  If their health has significantly deteriorated, private insurers will not underwrite them for a supplement.

Compare Plans and Quotes 

Inevitably, a small percentage of

Ohio residents will find themselves in the situations mentioned above.  Those consumers will not be able to enroll in a traditional supplemental plan and should consider Medicare Advantage coverage.  If you would like more information or would like to compare plans and/or enroll online, please click on the link below.  Once the new window has opened up, (on the left side of the page) click on “Medicare Advantage – Compare Plans and Get a Quote.”

Quote Anthem Medicare Advantage Plans

*It is important to note that upon attaining age 65, almost all consumers are eligible for a Medicare Supplement plan regardless of health history.

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