3 Things You Need to Know About $0 Premium Medicare Advantage Plans

Would you imagine it’s potential to get all of your well being care protection by way of an Independence Blue Cross Medicare Benefit plan and never pay a month-to-month premium? Effectively, you’ll be able to, and I need to provide the full scoop on how one can get high quality protection with no month-to-month premium.

The Reality Behind $0 Premium Plans

Medicare Benefit plans (generally known as Half C plans) mix your Authentic Medicare Half A and B advantages into one plan. It supplies you entry to a community of docs and hospitals, and will embrace further advantages like Half D pharmaceuticals, a fitness center membership, imaginative and prescient, dental, and listening to support protection. For you which means that a personal insurer, like Independence Blue Cross, pays for the entire Medicare coated providers acquired in-network, supplies you further advantages not coated by Authentic Medicare, and reduces any paperwork you might have, equivalent to submitting claims. By enrolling in a Half C plan, you aren’t disenrolling or forfeiting Authentic Medicare advantages. Regardless that you’re enrolled in a Half C plan, you’re nonetheless enrolled in Authentic Medicare, and you could proceed to pay your Medicare Half B premium.

How is a $0 Premium Plan Doable?

When non-public insurers provide Medicare Benefit plans, the federal government reimburses the non-public insurer to ship and canopy the providers that Authentic Medicare would cowl inside the non-public insurer’s community. The reimbursement that the non-public insurers obtain is meant to cowl all the plan premium and supply high quality protection plus added advantages not supplied by Authentic Medicare.

Maximize Your Well being Plan to Get the Most out of Your $0 Premium

There are a couple of methods to make sure you get essentially the most out of paying $0 per 30 days:

• See your docs frequently.
• Benefit from the precious extras your plan supplies. This may occasionally embrace a free fitness center membership or well being and wellness reductions.
• Use the plan applications like Well being Coaches and situation administration applications for power sicknesses and drugs.

Discover your $0 premium plan choices at this time. Go to ibx.com/medicare.

This text was initially printed on LinkedIn.

Web site final up to date: 5/11/2018
Y0041_HM_18_64982 Authorised 6/12/2018