Coventry Medicare Advantage – Part D Plans

Coventry Medicare Advantage is a crucial part of the Coventry Corporation, which deals with selling insurance products. The company was founded in 1986 and has risen quickly to become one of the giants in the insurance industry.

Medicare is offered by the federal government to help provide medical coverage for the elderly and disabled people in the United States. However many people have started to adopt Medicare advantage plans offered by private insurance companies that come with a whole host of features and benefits. Coventry among them particularly enjoys a good sense of goodwill in the community to emerge as one of the popular options towards buying Medicare advantage policies.

Client benefits that come with Coventry Medicare Advantage: -

• Copayments for medical services come within predictable margins.
• It is not required for the investor to go in for a supplement plan.
• Offers several extra benefits that are not a feature of the original Medicare plan.
• Offers the investor with worldwide coverage during emergency situations.

Agent benefits that come with Coventry Medicare Advantage: -

• Offers the agent the opportunity to generate excellent commissions.
• This type of plan comes with the advantage of offering direct company contact.
• Applications are easy and quick to process.
• Offers the agent enhanced earning potential.

Eligibility requirements for Coventry Medicare Advantage

• The insured party must already be subscribed to Part A and Part B.
• To be eligible the person has to be located within the plans service area.
• The insured person must not be suffering from end stage renal condition (includes kidney transplant or permanent kidney failure that requires dialysis) except under certain specific instances.

There are four basic types of Medicare Advantage plans, which are offered by Coventry across several states in US.

Coventry Advantra HMO (health maintenance organization)

This type of plan offers the benefits of both Part A & B. People who subscribe to this plan can attain the services of medical providers who are part of the allotted network. This means that the insured party can only seek the medical services of physicians and doctors who are within the network. In this type of plan each insured customer must also choose his or her primary care physician. The physician can refer the patient to specialists if needed. If the patient were to seek services outside the network, he or she might not receive coverage from the plan unless it happens to be an emergency situation.

Coventry Advantage PPO (preferred provider organization)

The Coventry Medicare Advantage plan also offers the benefits that come with Part A & B. Here too the insured are subscribed to a network of medical providers. But it differs from HMO on a few basic aspects. In PPO, the patient can seek the services of a doctor or specialist who are not part of the network at an additional cost. This enables the person to choose the most appropriate form of medical attention and yet receive substantial coverage for it. Also in this type of plan, the patient does not need the referral of their primary care physicians to seek the services of a specialist.

Coventry Advantra POS (point of service)

This type of plan bears many similarities to both HMO and PPO. People who are subscribed to the their particular network of doctors through the PPO plan, can make visitations outside their allotted network. However they need to obtain referrals from their primary care physicians before seeking the services of a specialist outside the network.

Coventry Advantra Freedom

This type of plan is private fee for service (PFFS) and also covers the basic benefits of Part A & B like the above plans. However one crucial difference with this type of plan is that the enrollees are not obligated to receive treatment for an assigned network of doctors. Here they do not have choose on their primary care physician’s nor seek a referral in order to meet a specialist. People who have adopted this plan can seek the services of any qualified doctor as long as they accept PFFS plans.

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