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Medicare Advantage Plan 2021 Changes

Advantages of Medicare Advantage Plans

Medicare Advantage plan 2021 changes include expanded coverage and services, which may make it a preferred option when enrolling in Medicare. Medicare Advantage (Part C) plans are offered through private insurers like Anthem. They provide comprehensive coverage that includes Parts A and B coverage that you would have under Original Medicare, plus more coverage such as out-of-pocket maximums and more frequent use of copays. Some plans cover foreign travel emergencies.

What are Medicare Advantage plan costs and premiums for 2021?

Medicare Advantage plan costs can change from year to year, so it’s a good idea to review your plan annually. While premiums vary depending on the plan, on average, Medicare Advantage plan costs are expected to be lower in 2021 than in the previous year. Average Medicare Advantage premiums have been declining for the last several years as enrollment increases. The out-of-pocket maximum is also increasing to $7,550 (but many Medicare Part C plans may offer plans with maximums well below that limit).

What are Medicare Advantage plan coverage changes for 2021?

Medicare Advantage and ESRD

Any Medicare Advantage plan can now provide coverage for end-stage renal disease (ESRD). ESRD is permanent kidney failure that requires regular dialysis or a kidney transplant. The 21st Century Cures Act gives people with ESRD access to any Medicare Advantage plan in their area as of 2021.

More coverage for telehealth services

Due to COVID-19, some Medicare Advantage plans cover a wider range of telehealth services in 2021. Expanded telehealth includes coverage beyond your primary care doctor. Now you can consult with doctors from the safety of your own home via computer, smartphone, or tablet.

Lower insulin costs for diabetes

Some Medicare Advantage plans may offer insulin at a reduced cost, which can help anyone managing diabetes also manage medical expenses. Just know your Medicare Advantage prescription drug plan must participate in the Medicare Part D Senior Savings Model. The Medicare Part D Senior Savings Model is designed to provide Medicare members with new choices of Part D plans that offer insulin at an affordable and predictable cost. Most Medicare Part D plans available during Open Enrollment can participate in the Model. This includes standalone Medicare Part D plans and Medicare Advantage Prescription Drug plans that offer enhanced alternative Part D coverage.

Why choose a Medicare Advantage plan?

Medicare Advantage plans offer more coverage than Original Medicare. They may include:

  • Routine dental care, including X-rays, exams, and dentures.
  • Vision care, including glasses and contacts.
  • Hearing care, including testing and hearing aids.
  • Prescription drug coverage (Part D).
  • Wellness programs and fitness center membership, including SilverSneakers®.

It’s a good idea to take your personal budget and your coverage needs into consideration when choosing your plan. Compare Medicare Advantage and Original Medicare and see what works best for you.

What to consider when selecting a Medicare Advantage plan

  • Are your preferred hospitals or preferred doctors included in the Medicare Advantage plan? Doctors and hospitals in a plan’s network can change yearly, so it’s best to make sure your doctor is still in the plan after your initial enrollment.
  • What prescription drugs are covered? You can use our find a drug tool to see what drugs are covered if you need medications. Make sure they are available and affordable under the plan you choose.
  • What are the maximum out-of-pocket costs? Compare your budget with coverage needs to find a plan that fits you. A lower out-of-pocket maximum may be preferable, so you have peace-of-mind protection for unexpected injuries or illnesses.

Who is eligible for a Medicare Advantage plan?

If you are enrolled in Medicare Part A and Part B, you can apply for a Medicare Advantage plan in 2021.

Find a Medicare Advantage plan that’s right for you.

Shop Medicare Plans Today

Y0114_21_3000532_U_M CMS Accepted (07/17/2021)

Benefits, premiums, copays and plan may vary by county. Medicare Advantage plans may not be available in all counties.

The Medicare Advantage and Medicare Part D plans are health plans with a Medicare contract or a standalone prescription drug plan with a Medicare contract. The Medicare Contract is renewed annually, and the availability of coverage beyond the end of the current year is not guaranteed.

Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc.  In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWI), which underwrites or administers the PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by Compcare or WCIC; Compcare Health Services Insurance Corporation (Compcare) underwrites or administers the HMO policies and Wisconsin Collaborative Insurance Company (WCIC) underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem websites constitutes your agreement with our Terms of Use.

The SilverSneakers fitness program is provided by Tivity Health, an independent company. Tivity Health and SilverSneakers are registered trademarks or trademarks of Tivity Health, Inc., and/or its subsidiaries and/or affiliates in the USA and/or other countries. © 2021 Tivity Health, Inc. All rights reserved.

For Dual-Eligible Special Needs Plans: This plan is available to anyone who has both Medical Assistance from the State and Medicare.

This information is not a complete description of benefits. Call Customer Service, (TTY: 711) for more information.

Attention: If you speak any language other than English, language assistance services, free of charge, are available to you. Call our Customer Service number, (TTY: 711). ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame a nuestro número de Servicio de Atención al Cliente (TTY: 711). 注意:如果您使用非英語的其他 語言,您可以免費獲得語言援助服務。請致電聯絡客戶服務部(聽語障用戶請致電:711)。