Preferred Secure Option Pinellas County, FL Medicare Advantage Plan

CMS Rating:Preferred Secure Option, a 2014 Medicare Advantage plan for Pinellas County, FL seniors, has an average CMS rating of 4.0 out of 5 stars.
Plan Year:2014
Monthly Premium:$0.00
Includes Part D:Yes
Part D Deductible:$0.00
Mail Order Pharmacy:No
Part D Gap Coverage:No Gap Coverage
Plan ID:H1045-023
For Residents Of:Pinellas County, FL
Plan Brochure:Not Available
Local HMO Plan
$0.00
Preferred Care Partners, Inc. logo

Medicare Advantage Plan Summary & Benefits

Preferred Secure Option Medicare Advantage Plan for Pinellas County, Florida seniors on Medicare.Preferred Secure Option (H1045-023), Health Maintenance Organization Advantage Plan, Pinellas County, FL by Preferred Care Partners, Inc.

Preferred Secure Option is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Pinellas County, Florida. 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

All Medicare Advantage plans have a maximum out-of-pocket (MOOP) limit of $6,700. This is mandated by law. However, plans like Preferred Secure Option are allowed to offer a voluntary MOOP as low as $3,400.The Preferred Secure Option Medicare Advantage plan MOOP is $6,700. This figure does not include your monthly premium or the cost of your prescriptions (Part D Coverage).

What this means is that as soon as your copayments and coinsurance for doctor visits and hospital care reaches $6,700, you will no longer pay copayment or coinsurance for the remainder of the year. This is your guarantee that a critical illness or serious accident will protect you from financial liability. It's just as important as the premiums and the co-payments.

When comparing Medicare Advantage plans with traditional Medicare, don't forget that you pay about twenty percent of all covered expenses, but there's no limit. That means you have a lot of risk unless you purchase a Medicare supplement policy to cover the gap.

CMS 5-Star Rating

The Centers for Medicare and Medicaid Services (CMS) rates the relative quality of all private health insurance offered through the Medicare Advantage program. The ratings are designed to assist people considering enrolling. CMS rates plans on a one to five-star scale, with five stars representing the best quality.

The Preferred Secure Option Medicare Advantage plan has received a 4.0 out of 5 star average rating. Overall, CMS considers this plan to be Above Average (as of 15 October, 2013).

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This page was last updated on: 6/22/2014