Searching for the best rated Medicare Advantage plans in Berks County, Pennsylvania? You're in the right place.
Unlike prescription drug plans (Medicare Part D), which are the same statewide, Medicare Advantage plan availability and options vary by area. The reason for this is simple. Not all areas have the same healthcare providers, so localized plans are better.
Getting Enrolled in a Medicare Advantage Plan in Berks County
Most Pennsylvania seniors qualify to join a Medicare Advantage plan. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
You can join or switch plans during a Medicare Election Period. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
To get enrolled:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent Pennsylvania insurance agent. This is the best way to go if you need someone to help advise you.
Original Medicare + Medigap vs. a Berks County Medicare Advantage Plan
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 in Berks County. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a Pennsylvania Medicare Part D Plan (prescriptions) and a Pennsylvania Medigap plan (supplemental Medicare insurance).
A Medicare supplement policy protects you from big medical bills and helps you lower the total annual cost of your healthcare. See our directory of supplemental plans to compare supplemental Medicare insurance available in your area. The good news is that all supplemental insurance is standardized, offering you the luxury to buy the coverage you need based on the lowest price.
Compare Plan Rates
The average Pennsylvania senior compares three or more quotes before making an enrollment decision.
Berks County, Pennsylvania Special Needs Plans (SNP)
We organize Medicare Special Needs Plans for Berks County, PA beneficiaries in a seperate directory. Although SNP plans are Medicare Advantage plans, they are only available to:
- Beneficiaries in a nursing home or receiving skilled nursing care at home;
- Beneficiaries with both Medicare and Medicaid benefits; and
- Beneficiaries with certain chronic health conditions.
Berks County, PA Medicare Advantage Plan Availability
The 62 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Hereford, Bally, Barto, Bechtelsville, Bernville, Bethel, Birdsboro, Blandon, Bowers, Boyertown, Centerport, Douglassville, Earlville, Fleetwood, Geigertown, Hamburg, Kempton, Kutztown, Leesport, Lenhartsville, Limekiln, Lyon Station, Maxatawny, Mertztown, Mohnton, Mohrsville, Monocacy Station, Morgantown, Mount Aetna, New Berlinville, Oley, Pine Forge, Rehrersburg, Robesonia, Shartlesville, Shoemakersville, Strausstown, Temple, Topton, Virginville, Wernersville, Womelsdorf, Reading, and all other locations in Berks County, Pennsylvania. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).