Health Net Ruby Select Pima County, AZ Medicare Advantage Plan
Medicare Advantage Plan Summary & Benefits
Health Net Ruby Select (H0351-041), Health Maintenance Organization Advantage Plan, Pima 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 Pima 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 $3,800. 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
After its first year on the market, each Medicare Advantage plan receives a one to five star rating from the Centers for Medicare and Medicaid Services (CMS). The relative quality assessment of health insurance by CMS assists people who are considering enrollment. Plans with five stars represent the highest quality, whereas a one star plan has the worst quality.
The Health Net Ruby Select Medicare Advantage plan has received a Average (as of 15 October, 2013).out of 5 star average rating. Overall, CMS considers this plan to be
Compare Medicare Advantage Plans
Compare Health Net Ruby Select with these top rated Medicare Advantage Plans available in Pima County:
- Humana Gold Plus H2649-041
- Humana Gold Plus H2649-031
- HumanaChoice R5826-014 P
- Health Net Ruby 4
- Health Net Green
Additional Senior Health Plans in Pima County, AZ
- Medicare Advantage HMO and PPO Plans Available in Pima County, AZ
- Arizona Medigap Medicare Supplements
- Dental Plans for Arizona Seniors
- Medicare Part D Prescription Drug Plans for Arizona Seniors
Health Net Ruby Select Availability
Health Net Ruby Select is available in Mount Lemmon, Arivaca, Tucson, Catalina, Marana, Lukeville, Rillito, Cortaro, Ajo, Vail, Sasabe, Green Valley, Topawa, Sahuarita, Sells, and all other locations in Pima County.
This page was last updated on: 8/18/2014