AARP MedicareComplete SecureHorizons, a Santa Barbara 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 $45.00 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 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.
To help seniors compare plans, Medicare rates the relative quality of all plans. After a full year on the market, each plan receives a one to five-star over-all mark, with one star being the lowest quality and five stars the highest quality.
The CMS has awarded AARP MedicareComplete SecureHorizons Above Average as compared to all others (as of 15 October, 2014).out of 5 stars. That means Medicare deems this plan
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 $5,900 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 $5,900. 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 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.
Make sure you get the best health insurance for your unique situation. Compare AARP MedicareComplete SecureHorizons with these Medicare plans:
- Health Net Seniority Plus Ruby
- Health Net Seniority Plus Complete
- Humana Gold Plus H0108-038
- Physicians Choice Medicare Plus
AARP MedicareComplete SecureHorizons 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. $5,900 on AARP MedicareComplete SecureHorizons). 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 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: Carpinteria, Summerland, Santa Barbara, Goleta, New Cuyama, Buellton, Casmalia, Guadalupe, Lompoc, Los Alamos, Los Olivos, Santa Maria, Santa Ynez, Solvang, and all other areas of Santa Barbara County, California.
CMS File Date: October 15, 2014.
This Medicare Advantage Plan catalog is maintained by 9/14/2015. For more information, download the Summary of Benefits , visit the UnitedHealthcare website, or call UnitedHealthcare at N/A.and was last updated on