5 Reasons The Aetna HMO Medicare Advantage Plan Stands Out | Medicare ABC: Get Medicare Insurance Agents (2024)

FAQs

Why do insurance agents push Medicare Advantage plans? ›

Brokers have a financial incentive to encourage enrollment in Medicare Advantage plans because commissions are higher for Medicare Advantage than for Medigap and Part D plans that are purchased to complement traditional Medicare.

Part A provides inpatient/hospital coverage. Part B provides outpatient/medical coverage. Part C offers an alternate way to receive your Medicare benefits (see below for more information). Part D provides prescription drug coverage.

With a Medicare Advantage Plan, you may have coverage for things Original Medicare doesn't cover, like fitness programs (gym memberships or discounts) and some vision, hearing, and dental services (like routine checkups or cleanings).

Part C plans, also known as Medicare Advantage plans, are run by private insurance companies, like Aetna® Medicare. Medicare Advantage plans are a lot like Original Medicare. But they can include valuable extra benefits that Original Medicare doesn't.

Most individuals that dislike a Medicare Advantage plan usually have had a bad experience with in-network providers, plan authorizations for medical care, or having to wait a long time to have an appointment scheduled. Some of these concerns can be attributed to the healthcare provider.

Covered care

Under Medicare Advantage, you will get all the services you are eligible for under original Medicare. In addition, some MA plans offer care not covered by the original option. These include some dental, vision and hearing care. Some MA plans also provide coverage for gym memberships.

The mnemonic ABC rule in medicine stands for: airway, breathing, and circulation. This mnemonic is used to help emergency personnel remember the proper lifesaving procedures in the cases of trauma, respiratory distress, airway obstruction, and other situations.

The ABC Model: The three-term possible events of antecedent, behavior, and consequence. An antecedent is something that comes before a behavior and may trigger that behavior. A behavior is anything an individual does. A consequence is something that follows the behavior.

ABC stands for airway, breathing, and circulation.

Best Medicare Advantage for most people: Humana

Humana has the best Medicare Advantage plans for 2024 because of its high-quality ratings, good customer satisfaction and widespread availability. You can buy a Humana Medicare Advantage plan in every state but Alaska.

Why is everyone pushing Medicare Advantage plans? ›

One explanation: The plans are often cheaper than paying for a Medicare supplement, sometimes referred to as Medigap. Another reason for the growth may be the significantly larger commissions the government pays to brokers selling Medicare Advantage plans.

Restrictive networks

In some cases, you'll have a higher share of costs when you see an out-of-network doctor. In other cases, you're not covered at all if you go out of network. This is particularly important if you travel a lot because Medicare Advantage plans generally don't provide out-of-state coverage.

If you have certain Medicare Advantage plans, then you'll be mailed a flex card at the start of your coverage.

Aetna covers acupuncture as a standard benefit within its new and existing health plans. Aetna's plan to cover acupuncture is very recent. It was rolled out in 2022. Aetna unleashed the plan to provide members with additional options for relieving chronic pain.

Medicare Advantage offers many benefits to original Medicare, including convenient coverage, multiple plan options, and long-term savings. There are some disadvantages as well, including provider limitations, additional costs, and lack of coverage while traveling.

Many doctors and healthcare physicians don't like Medicare Advantage plans due to coverage restrictions, limited networking, and overpayment rates, which cause increasing difficulties for patients. Since pre-authorization and referral requirements often impede patients' needs, doctors refuse to accept these plans.