AARP MedicareComplete SecureHorizons Value San Diego County, CA Medicare Advantage Plan

AARP MedicareComplete SecureHorizons Value Medicare Advantage Plan for San Diego County, California seniors on Medicare.AARP MedicareComplete SecureHorizons Value, a San Diego County, California Medicare Advantage plan from UnitedHealthcare, 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 $25.00 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 AARP MedicareComplete SecureHorizons Value 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

After its first year on the market, the CMS (Centers for Medicare and Medicaid Services) gives each plan an overall one to five star rating. The unbiased quality assessment assists people when comparing plans. Medicare Advantage plans with five stars have the highest quality, whereas a one star plan has the lowest quality.

The CMS has awarded AARP MedicareComplete SecureHorizons Value 4.0 out of 5 stars. That means Medicare deems this plan Above 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 $5,300 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 $5,300. 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 AARP MedicareComplete SecureHorizons Value 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 AARP MedicareComplete SecureHorizons Value with:

AARP MedicareComplete SecureHorizons Value 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. $5,300 on AARP MedicareComplete SecureHorizons Value). 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 AARP MedicareComplete SecureHorizons Value 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: Alpine, Bonita, Boulevard, Campo, Chula Vista, Descanso, Dulzura, Guatay, Imperial Beach, Jacumba, Jamul, La Mesa, Lemon Grove, Lincoln Acres, Mount Laguna, National City, Pine Valley, Potrero, Spring Valley, Tecate, Bonsall, Borrego Springs, Cardiff By The Sea, Carlsbad, Del Mar, El Cajon, Encinitas, Escondido, Fallbrook, Julian, La Jolla, Lakeside, Oceanside, Camp Pendleton, Pala, Palomar Mountain, Pauma Valley, Poway, Ramona, Ranchita, Rancho Santa Fe, San Luis Rey, San Marcos, Santa Ysabel, Santee, Solana Beach, Vista, Valley Center, Warner Springs, San Diego, Coronado, San Ysidro, and all other areas of San Diego County, California.

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 AARP MedicareComplete SecureHorizons Value Medicare Advantage Plan H0543-013 Summary of Benefits for San Diego County, California, visit the UnitedHealthcare website, or call UnitedHealthcare at N/A.