Sharp SecureHorizons Plan by UnitedHealthcare San Diego County, CA Medicare Advantage Plan

Sharp SecureHorizons Plan by UnitedHealthcare Medicare Advantage Plan for San Diego County, California seniors on Medicare.Sharp SecureHorizons Plan by UnitedHealthcare, 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 $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 Sharp SecureHorizons Plan by UnitedHealthcare 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 Sharp SecureHorizons Plan by UnitedHealthcare 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

One of the benefits built in to all Medicare Advantage plans is an annual out-of-pocket limit. The maximum is $6,700, but plans are allowed to offer a voluntary limit as low as $3,400 per year.

The most you will pay out-of-pocket if you enroll in this plan is $5,700. This amount is what you actually pay for your healthcare services. It does not include your monthly premium or your prescriptions. It's only the costs you pay out-of-pocket on co-payments and co-insurances.

It's important to do your homework and compare the co-payments and co-insurance with this plan to those of original Medicare. Also, be aware that Medicare Part A and Part B do not limit your out-of-pocket costs like Medicare Advantage. If you stay in original Medicare you must add supplemental Medicare insurance to cover the cost gaps.

Compare Plans

Your healthcare needs are as unique as you are, so shop around. We recommend comparing Sharp SecureHorizons Plan by UnitedHealthcare with:

Sharp SecureHorizons Plan by UnitedHealthcare 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. $5,700 on Sharp SecureHorizons Plan by UnitedHealthcare). 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 Sharp SecureHorizons Plan by UnitedHealthcare 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 Sharp SecureHorizons Plan by UnitedHealthcare Medicare Advantage Plan H0543-145 Summary of Benefits for San Diego County, California, visit the UnitedHealthcare website, or call UnitedHealthcare at N/A.