4 best Medicare health insurance plans of 2021
Planning to be a part of the 17% of the US population enrolled in Medicare? Well, truth be told, it can be overwhelming to know the coverage you need. So, if you wish to get yourself a comprehensive health insurance package, consider getting a Medicare advantage plan. This will provide you with all the pre-existing advantages of the original Medicare plan, along with some additional benefits. Read on to know the best Medicare health insurance plans of 2021.
CMS gave the Cigna Medicare Advantage plan an average of 3.88 stars out of 5. So, it is obvious that Cigna certainly scores higher than most other large national insurers. It offers three types of special needs plans that are suitable for people with complex health requirements. As part of Cigna plans, you can expect an array of benefits beyond the normal vision, hearing, dental, and fitness benefits. They also provide members with assistance, health and wellness discounts, transportation, home-delivered meals, over-the-counter allowances. They also have a program that allows people to pay for vital requirements, such as prescriptions, food, and housing. Most of their plans have low or no deductibles or premiums and high out-of-pocket maximums of about $6,000.
Humana is the 2nd most prominent provider of Medicare advantage plans in the country. With a long-standing history of quality service, Humana is truly an insurer you can trust. Finding one that suits your needs and fits your budget will not be hard. All Humana customers get access to convenient and simple tools to keep a tab on their claims, extract records, and understand the coverage.
A prime concern of the advantage plan holders is the coverage network. With the Highmark advantage plans, that is no problem. It offers one of the most expansive networks of accepted specialists and doctors, and its facilities are available in most states. In addition, they provide you with an array of healthy living incentives, along with financial incentives to cater to preventive care services and treatments.
Aetna offers one of the most comprehensive and top Medicare health insurance plans of 2021. You get both PPO and HMO plans. If there is a specialist or doctor you wish to stay with, it can help you save more money by opting for a more flexible plan. Aetna’s special needs plans are available in twelve states only. However, their plans include extra benefits, such as SilverSneakers fitness membership programs, prescription drug deliveries, and local healthy living resources. Their typical plans include dental and vision coverage options.