Medicare Advantage providers can pick and choose the service areas where they will offer Medicare Advantage plans.
A good example of this is Coventry. They know that their competitive advantage is in major markets where they have a solid network of providers.
If you live in one of these markets it’s worth your time to take a look at Coventry Medicare Advantage plans. Coventry Medicare plans boast some attractive features if you are looking for a low or $0 premium.
Coventry Medicare Advantage – it’s all about the provider network
Coventry only offers Medicare HMO, HMO-POS and PPO plans. Coventry Medicare was once a major provider of PFFS plans but ceased to offer these plans a few years back. This is the major reason you will not find Coventry offering Advantage plans in rural markets. It’s too difficult to put together a credible network and remain profitable.
In Coventry Medicare Advantage plans are available in AR, FL, GA, IA, IL, KS, MO, NC, NE, OH, PA, SD, TX, UT and WY. Coventry also offers Part D plans nationwide branded as First Health Part D.
Aside from a Medicare Advantage plan’s Summary of Benefits the provider network is generally the most important plan document you should review. When you research the Coventry Medicare Advantage provider directory you should look beyond whether or not your primary doctor is included.
Before you enroll in a Coventry plan take some time to explore the depth of the provider network for specialists as well as facilities including hospitals you may need to frequent.
Benefits of Coventry’s Advantra plans
As with any Medicare plan, benefits are to be measured in the eye of the beholder but there are some common features that are generally desirable to most people.
Benefits vary by specific plan and/ or County. Benefits include:
- $0 premium plans in all markets served
- Low copayments
- Many plans have a lower maximum out-of-pocket amount
- Extra benefits including; dental, vision, hearing, as well as others
If you are already a member of a Coventry Medicare Advantage plan take some time to review your Annual Notice of Change that details all changes for 2013 plans.
If you are considering changing plans or are new to Medicare take some time to compare Coventry plans to other Medicare Advantage plans you may have available.
Review these plan documents to find the best plan for your circumstance:
- Summary of Benefits – lists all details of a plan including costs
- Provider Directory – ask your provider if they belong if not in directory
- Plan’s Part D Formulary – lists all covered drugs and tier placement
If you are interested in a Coventry Medicare Advantage plan be sure compare plans during the Open Enrollment Period which begins October 15th and runs through December 7th.