Categories
Blogging

Will Affordable Medicare Advantage Plans Help You Get a Better Deal?

The ongoing debate of whether or not Medicare Advantage plans are a good option for Americans who are not eligible for Medicare Part A, Part B, and Part D is still on the table. For many seniors, Medicare Advantage plans are the best option for them as the benefits and pricing are comparable to those offered by traditional Medicare plans. The new Obama administration is pushing for more accountability and transparency as it seeks to strengthen the programs. The news that Medicare Advantage plans would soon be required to provide consumers with “comprehensive benefits” has got many worried. In a perfect world, the benefits should reflect what is offered by traditional Medicare. But what happens when it does not?

Some plans could end up being less expensive than traditional Medicare. If the guidelines on coverage by non-Part D plans are stricter, the only alternative would be Medicare Advantage plans. And although Medicare Advantage plans have lower overhead costs, some will be “on the hook” for their existing clients. Visit https://www.medicareadvantageplans2020.org to get Medicare Advantage plans 2020

Plans must compete with each other for business. When comparing prices, it is good for Medicare to be forced to re-evaluate its pricing policies. This is an opportunity for a fresh set of pricing guidelines to emerge that will more fairly reward providers for offering quality care and fewer exemptions from quality requirements.

Furthermore, as interest groups and advocacy groups push for higher standards of quality, individual providers are also compelled to push for new ways to produce superior service. Some senior citizens may feel like they are being held hostage when switching to a non-Medicare Part D plan. Others may be concerned about the costs of the premiums that could skyrocket as the healthiest customers shift to Part D.

The non-profit sector has been in the forefront of these issues. Non-profit organizations have long opposed the abuse of Medicaid and Medicare programs and continue to do so today. The general public is becoming increasingly aware of the financial incentives that exist in the current healthcare system. Non-profit groups have fought for lower costs for consumers and better quality of care.

Ultimately, the quality of care may fall by the wayside as the costs mount. Medicaid Advantage plans offer an option to individuals who do not qualify for Part D. The lowest rates, coverage options, and management structures should appeal to anyone who finds themselves unable to meet the full demands of traditional Medicare. Ensuring that everyone can access quality care will be a long term battle.

Medicare, unlike Medicaid, does not reimburse its patients for the cost of their “out of pocket” costs. All they are expected to pay for will be covered by the funds they receive from their premium payments. Any additional expenses that occur after they receive their premium payments are covered by the government.

As interest groups and advocates become more vocal, the focus on protecting consumer funds and ensuring quality care grows stronger. The programs are constantly under scrutiny for their failure to live up to the expectations of consumers. As a result, there is a greater desire to know that Medicare Advantage plans are truly affordable.

The best and most effective way to pressure the government is by making consumer advocate groups visible to the public. They can be educated about the best plans in their community and encouraged to become more vocal with their opinions. They will speak out against plans that are not a good fit for their family and contribute to the pressure for better rates and quality.

A simple tactic for encouraging consumer advocacy is a letter campaign. Send a letter to the editor in the local newspaper addressing your specific concerns about Medicare Advantage plans. Educate readers about the requirements for enrollment, payment plans, and pricing. Offer personal stories about how your needs have been met. Let the government know that you are looking for an efficient delivery system. Be honest with yourself about what is not affordable. and let Congress know that all seniors deserve a choice.