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
$0.00
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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

The new healthcare law allows for a maximum limit of $6,700 on your out of pocket medical costs for 2014 Medicare Advantage plans. This amount is commonly called the plan MOOP (Maximum Out of Pocket). A plan's MOOP does not include your prescriptions or the monthly premiums you pay for your health plan.

Although the mandatory MOOP limit is $6,700, the Affordable Care Act law allows for a “Voluntary MOOP” that can be as low as $3,400. The MOOP on this plan is $3,400. You need to take this figure into as much consideration as the premiums and the co-payments.

If you are comparing this Medicare Advantage plan with your Original Medicare benefits, take into consideration that the government does not have out-of-pocket limits on Medicare Parts A and B. With traditional Medicare the only way to protect yourself is to purchase a Medigap insurance policy to supplement your coverage.

CMS 5-Star Rating

To help shoppers compare private health insurance options, Medicare rates the quality of all Medicare Advantage plans. The Centers for Medicare and Medicare Services rates each plan using a one to five-star scale, with one star representing the lowest quality and five stars the highest.

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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This page was last updated on: 6/22/2014