Seniors have more health insurance options than ever before. Washington Medicare Advantage Plans are one of those options. When you enroll in Medicare Advantage you are trading your Original Medicare benefits for private health insurance available in Washington.
Some rural areas don’t offer plans, while others offer only a few. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.
Getting Enrolled in a Washington Medicare Advantage Plan
Most Washington seniors qualify to join a Medicare Advantage plan. If you have End-Stage Renal Disease (ESRD), you will likely need to stay on Original Medicare.
You can join or switch plans during a Medicare Election Period. The periord between 15 October and 7 December is the Annual Election Period (AEP). That’s when most folks make their changes to their Medicare.
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.
You have three different enrollment options. You can call a plan directly. This makes for quick and easy enrollment if you already know the plan you want.
Then government’s official website, www.Medicare.gov, is the second option. It’s an easy way to start your application on-line, compare plans, verify that your medications are covered and see which doctors take the plan you want.
The third and final opion is an independent health insurance agent. This is ideal when you want to meet with someone face-to-face to get sound advice. Many agents work with multiple insurance companies, so you’ll have plenty of options.
Washington Medicare Advantage vs. Original Medicare + Medigap
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. You also have the option to hold on to your Original Medicare PFFS benefits and upgrade your coverage with Washington Medicare Supplement Insurance and a Washington Medicare Part D Plan (for help with your prescription drugs).
If you’re not familiar with Medigap policies, and how they protect you from medical care liability, please review our Washington Medigap Plans page. All Medigap plans are standardized. That means you can chose the plan you need based on best price without worrying about the benefits.
About Our 2015 Washington Medicare Advantage (Part C) Information
The healthcare insurance information provided on MedicareWire.com is derived from data files published by the U.S. Centers for Medicare and Medicaid Services (CMS). We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details. You must consult with a licensed insurance agent to get an exact quote for your situation.For more information about the Medicare program, visit http://cms.gov. This page was last updated on 9/13/2015.