Health Net Ruby Select Maricopa County, AZ Medicare Advantage Plan

CMS Rating:Health Net Ruby Select, a 2014 Medicare Advantage plan for Maricopa County, AZ seniors, has an average CMS rating of 3.0 out of 5 stars.
Plan Year:2014
Monthly Premium:$0.00
Includes Part D:Yes
Part D Deductible:$0.00
Mail Order Pharmacy:No
Part D Gap Coverage:No Gap Coverage
Plan ID:H0351-040
For Residents Of:Maricopa County, AZ
Plan Brochure:Health Net Ruby Select Medicare Advantage plan Summary of Benefits for Maricopa County, AZ
Local HMO Plan
Health Net of Arizona, Inc. logo

Medicare Advantage Plan Summary & Benefits

Health Net Ruby Select Medicare Advantage Plan for Maricopa County, Arizona seniors on Medicare.Health Net Ruby Select (H0351-040), Health Maintenance Organization Advantage Plan, Maricopa County, AZ by Health Net of Arizona, Inc.

Health Net Ruby Select is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Maricopa County, Arizona. It includes all of the benefits of Original Medicare and may include prescription drug coverage and other extras. The primary benefit of an HMO is that the out-of-pocket costs are lower and more predictable than with other types of plans. The monthly premium is $0.00.

Please note: You must use plan providers to avoid incurring additional costs. You will be responsible for the costs of out of network care. Referrals may be required for all but primary care physician visits.

Maximum Out-of-Pocket (MOOP) Expense

By law, private Medicare health insurance has an annual maximum out-of-pocket (MOOP) limit that helps protect you from financial disaster. The MOOP limit in 2014 is $6,700, but plans are allowed to have a MOOP as low as $3,400.

The most you will pay out-of-pocket, if you enroll in the Health Net Ruby Select Medicare Advantage plan, is $3,400. This figure does not include your monthly premiums or your Medicare Part D coverage for prescriptions. This is what you pay out-of-pocket on co-payments and co-insurance.

Be sure to compare the co-payments and co-insurance with traditional Medicare, but be aware that there are no out-of-pocket limits with Medicare Parts A and B. With Original Medicare you must buy supplemental insurance to cover the gaps or pay out-of-pocket.

CMS 5-Star Rating

The Centers for Medicare and Medicaid Services (CMS) rates the relative quality of all private health insurance offered through the Medicare Advantage program. The ratings are designed to assist people considering enrolling. CMS rates plans on a one to five-star scale, with five stars representing the best quality.

The Health Net Ruby Select Medicare Advantage plan has received a 3.0 out of 5 star average rating. Overall, CMS considers this plan to be Average (as of 15 October, 2013).

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Health Net Ruby Select Availability

Health Net Ruby Select is available in Arlington, Luke Air Force Base, Cashion, New River, Morristown, Gila Bend, Rio Verde, Tolleson, Fountain Hills, Gilbert, Goodyear, Sun City West, Surprise, Scottsdale, Youngtown, Tortilla Flat, Palo Verde, Queen Creek, Tempe, Buckeye, Paradise Valley, El Mirage, Phoenix, Wittmann, Peoria, Mesa, Chandler Heights, Chandler, Aguila, Glendale, Higley, Sun City, Wickenburg, Litchfield Park, Fort Mcdowell, Cave Creek, Carefree, Waddell, Tonopah, Laveen, Avondale, and all other locations in Maricopa County.

This page was last updated on: 8/18/2014