Getting A Medicare Advantage Plan? Two Key Coverages To Look For

When you've reached your golden years or have come down with a serious ailment, enrolling in Medicare can be an absolute godsend. You may not be able to work any longer so obtaining medical coverage through an employer is a thing of the past. Knowing you have Medicare as a safety net allows you to breathe easier because it gives you a buffer against healthcare costs. Original Medicare provides coverage for hospitalization and medical expenses, but you might want to take things a step further by signing up for a Medicare Advantage plan. Medicare Advantage plans tend to extend protection for some of the items that are left out under Original Medicare. If you're thinking about getting a Medicare Advantage plan here are a few of the lesser-known coverages you should ask your insurance agent about.

Transportation Coverage Comes In Handy

Some people may not realize that there are Medicare Advantage plans available that provide transportation coverage. This might not seem like a big deal if you are still mobile, but consider what could happen if your situation changes. If you are no longer able to drive, you'll be glad you opted in for a plan with transportation coverage included.

As you get older it could become more and more difficult for you to get yourself around. For example, driving at night can be a real problem if you have vision issues. Transportation coverage makes it possible for you to get to the pharmacy, grocery store, and maybe even your doctor's appointments without having to jump behind the wheel. It's a great form of protection you definitely don't want to miss out on.

Lower Out-Of-Pocket Costs Help You Save

When you are initially speaking with your agent about Medicare Advantage plans be sure to ask them to find the policy with the lowest out-of-pocket expenses. The maximum out-of-pocket (MOOP) limit is one of the most important parts of any plan. A MOOP is essentially the most you can expect to pay for healthcare costs annually, regardless of how much your actual medical bills turn out to be. What this means is if you have a particularly rough year where you have to see the doctor quite a bit, you can be confident that your financial balance won't be on the line.

Opting for a Medicare Advantage plan can have amazing benefits. Call an insurance agent to find out more information about your options for Medicare insurance.