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
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 $3,800. 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
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 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
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: 6/22/2014