Health Net Ruby Select Pima County, AZ Medicare Advantage Plan

Health Net Ruby Select Medicare Advantage Plan for Pima County, Arizona seniors on Medicare.Health Net Ruby Select, a Pima County, Arizona Medicare Advantage plan from Health Net of Arizona, Inc., is a Health Maintenance Organization (HMO) option for people with Medicare. It gives you all of the same health insurance benefits as original Medicare and offers extras that Medicare does not cover.

The insurance premium is $0.00 per month. You also have co-payments and/or co-insurances with each healthcare service that you use. You can learn more about the basic coverage costs on the co-payments page.

The real benefit of an HMO plan like Health Net Ruby Select is lower, predictable out-of-pocket expenses. Although more restrictive than original Medicare, a Medicare Advantage HMO plan limits your annual out-of-pocket costs. With Medicare Parts A and B, there's no cap, leaving you vulnerable to excessive medical bills.

With an HMO you are required to use healthcare providers in the plan's network. If you don't you will incur additional costs. Also, be aware that your primary care physician must make refer you before you see a specialist.

Quality Rating

The Centers for Medicare and Medicaid Services (CMS) reviews and rates the quality of all plans. The 1 (worst) to 5 (best) star ratings assist people considering plans and offer an unbiased measure of quality.

The CMS has awarded Health Net Ruby Select 3.0 out of 5 stars. That means Medicare deems this plan Average as compared to all others (as of 15 October, 2014).

Out-of-Pocket Expenses

By law, Medicare Advantage plans have an out-of-pocket limit of $6,700 per year. That said, plans can offer an out-of-pocket maximum as low as $3,400 per year. This plan's out-of-pocket spending limit is $3,800 per year. This amount is not inclusive of your monthly premium or the cost of your prescriptions. It's only what you pay when you receive heathcare services.

What this means to you is that you will no longer make co-payments or co-insurance payments when your out-of-pocket spending reaches $3,800. This is your safety net in the event of a critical illness or a serious accident. It protects you from serious financial liability and it should be carefully considered along with the premium and the co-payments.

When comparing Health Net Ruby Select with original Medicare benefits, don't forget that you pay about twenty percent of all healthcare expenses covered by Part A and Part B, but there is no out-of-pocket limit. In other words, you have a lot of risk unless you get a Medigap policy to cover the gaps.

Compare Plans

Your healthcare needs are as unique as you are, so shop around. We recommend comparing Health Net Ruby Select with:

Health Net Ruby Select vs. Medigap Plan K

In addition to the plans above, we recommend evaluating Medicare Supplement Plan K. These plans have a $4,940 out of pocket limit (vs. $3,800 on Health Net Ruby Select). Plus, you have the freedom to choose your doctors and other healthcare providers. Have a look at Medigap Plan K vs. Medicare Advantage before you make any decisions.

Who Can Join?

You can join Health Net Ruby Select if you are entitled to Medicare Part A and enrolled in Medicare Part B and live in the service area. You must continue to pay your Medicare Part B premium. The service area includes: Ajo, Lukeville, Arivaca, Green Valley, Mount Lemmon, Sahuarita, Sasabe, Sells, Topawa, Vail, Cortaro, Marana, Rillito, Tucson, Catalina, and all other areas of Pima County, Arizona.

CMS File Date: October 15, 2014.

This Medicare Advantage Plan catalog is maintained by David Bynon and was last updated on 9/14/2015. For more information, download the Summary of Benefits (N/A), visit the Health Net of Arizona, Inc. website, or call Health Net of Arizona, Inc. at N/A.