Health Net Ruby Select for Pima, AZ
Medicare Advantage Plan Summary & Benefits
Health Net Ruby Select is a Health Maintenance Organization (HMO) healthcare plan for seniors and other beneficiaries residing in Pima County, AZ. 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.
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.
The health care benefit information provided here is an overview only and not a comprehensive description of available benefits. Additional information about the plan benefits is available from your agent.
Summary of Benefits
When this page was published the Summary of Benefits document for this 2014 health plan was not available. Please Ask an Agent for the Summary of Benefits documentation before choosing this plan.
The monthly premium for this health insurance plan in Pima County is $0.00 plus your monthly Medicare Part B premium. Most Medicare beneficiaries pay the standard monthly Part B premium in addition to their MA or MAPD plan premium. However, some beneficiaries are required to pay slightly higher Part B and Medicare Part D premiums because of their income (over $85,000 per year for singles or $170,000 for married couples), or due to late enrollment penalties.
Part D Prescription Drug Plan Information
This plan includes prescription drug coverage. The formulary (00014031) has a total of 4,195 prescription medications.
If you have Part D assistance, your premium will be adjusted based on your percentage.
|Formulary Drug Details:||Tier 1||Tier 2||Tier 3||Tier 4||Tier 5|
|— Drugs per Tier:||749||1315||367||1130||457|
|— Cost-Sharing in ICP:||$0.00||$12.00||$44.00||$95.00||33%|
The Medicare Part D deductible with this health plan is $0.00. That means you have first dollar coverage.
Maximum Out of Pocket (MOOP) Benefit
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 prescription drugs 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 .
Most Medicare health plans require you to make a co-payment (aka, copay) when you visit your primary care physician or a doctor. Here's how this plan works:
- $0 co-payment for each visit to your primary care physician.
- $30 co-payment for each visit to a specialist covered by Medicare.
Urgent Care Doctor Visits
Urgent care is the delivery of ambulatory medical care outside of a hospital emergency department on a walk-in basis without a scheduled appointment. Here's how Urgent Care works with this plan:
- $20 co-payment for urgent care treatment covered by Medicare.
Emergency care is medical attention for patients with acute illnesses or injuries which require immediate medical attention. Here's how Emergency Care works with this plan:
- $65 co-payment for emergency room treatments covered by Medicare.
- $50,000 plan coverage limit for supplemental emergency services outside the U.S. and its territories every year.
- If you are immediately admitted to the hospital you pay $0 for the emergency room treatment.
Most health plans do not cover transportation to and from medical services. The exception, of course, is when you have an emergency or when non-ambulatory. Here's how this plan covers ambulance service:
- Pre-authorization rules apply.
- $350 co-payment for ambulance benefits covered by Medicare.
Inpatient Treatment (Hospital Stays)
A patient who is admitted to a hospital or clinic for treatment that requires at least one overnight stay is an inpatient. Most health plans have a tiered cost structure for inpatient treatment. Here's how this plan covers hospital stays:
- There is no limit to the number of days covered by the plan per stay in the hospital.
- For hospital stay covered by Medicares:
- Days 1 - 5: $175 co-payment per day. .
- Days 6 - 90: $0 co-payment per day.
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
Related Medicare Insurance in Pima, AZ
- Medicare Advantage Plans for Pima County, AZ Seniors
- Arizona Medicare Supplement Plans
- Arizona Dental Insurance for Seniors
- Arizona Prescription Drug Plans
This page was last updated on: 10/28/2013
About The Insurer Health Net of Arizona, Inc.
Health Net is among the USA's largest publicly traded health insurers. The company's HMO, POS, insured PPO and government contracts subsidiaries provide health benefits to approximately 6.6 million individuals in all 50 states and the District of Columbia through group, individual, Medicare, Medicaid and TRICARE and Veterans Affairs programs. Health Net's behavioral health services subsidiary, MHN, provides behavioral health, substance abuse and employee assistance programs (EAPs) to approximately 7.3 million individuals in various states, including the company's own health plan members. The company's subsidiaries also offer managed health care products related to prescription drugs, and offer managed health care product coordination for multi-region employers and administrative services for medical groups and self-funded benefits programs.
The summary (overall) rating for this Health Net of Arizona, Inc. plan is 3.0 out of 5 based on reviews from 0 user ratings from the previous year. For more information about the review process, visit http://cms.gov.