Excellent Health Coverage for Seniors with No Monthly Premium

Our retirement years should be happy and healthy ones – and with as few worries as possible. It's why getting set up with the right health insurance coverage is so crucial. If you're in southeastern Pennsylvania, top-rated insurance agents like BroadZero offer the best Medicare zero plans Philadelphia has to offer. They can help you find a $0 premium Part C Medicare Advantage plan that's right for you. There are a lot of choices, and it's wise to work with an agent who can simplify the process. There is some variation in benefits among different carriers, and agents can help find the best plan for you.

If you're just beginning the process of enrolling in Medicare, it's essential to find out more about your options. The original parts of Medicare, known as Part A and Part B, are 80/20 plans. It means the plan pays 80-percent of reasonable and customary medical expenses, and you pay 20-percent. Many recipients take out separate Medicare Supplement health coverage to cover their 20-percent. But Part C, also known as Medicare Advantage, is an entirely different option. Under Part C, a major health insurance carrier accepts payment from the government and then provides your health coverage.

Depending on the Medicare Advantage plan you choose, there may be coverage for vision, rides to doctor visits, help with prescription medicines, and credits toward the purchase of over-the-counter medications. The plans have health care provider networks under different configurations that you may be familiar with already, such as HOM (health maintenance organization) and PPO (preferred provider organization). It explains why in 2019, 41-percent of Pennsylvania Medicare recipients decided to join a Part C Advantage plan. They're particularly attractive in cities where provider networks are robust.

Once you're enrolled in a Medicare Advantage plan that's right for you, you'll enjoy the peace of mind that your health care needs are met. Because a major insurance carrier manages your coverage, you'll have a dedicated patient service team available by phone and online. It means you can always ask questions and receive the information you need about your health plan. Many seniors choose Medicare zero plans to keep their health care costs more affordable and predictable. Enjoying your golden years means being healthy and happy – and with a Medicare Advantage plan, your health care is covered.