Preferred Secure Option Pinellas County, FL Medicare Advantage Plan
Medicare Advantage Plan Summary & Benefits
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
The new healthcare law allows for a maximum limit of $6,700 on your out of pocket medical costs for 2014 Medicare Advantage plans. This amount is commonly called the plan MOOP (Maximum Out of Pocket). A plan's MOOP does not include your prescriptions or the monthly premiums you pay for your health plan.
Although the mandatory MOOP limit is $6,700, the Affordable Care Act law allows for a “Voluntary MOOP” that can be as low as $3,400. The MOOP on this plan is $6,700. You need to take this figure into as much consideration as the premiums and the co-payments.
If you are comparing this Medicare Advantage plan with your Original Medicare benefits, take into consideration that the government does not have out-of-pocket limits on Medicare Parts A and B. With traditional Medicare the only way to protect yourself is to purchase a Medigap insurance policy to supplement your coverage.
CMS 5-Star Rating
After its first year on the market, each Medicare Advantage plan receives a one to five star rating from the Centers for Medicare and Medicaid Services (CMS). The relative quality assessment of health insurance by CMS assists people who are considering enrollment. Plans with five stars represent the highest quality, whereas a one star plan has the worst quality.
The Preferred Secure Option Medicare Advantage plan has received a Above Average (as of 15 October, 2013).out of 5 star average rating. Overall, CMS considers this plan to be
Compare Medicare Advantage Plans
Compare Preferred Secure Option with these top rated Medicare Advantage Plans available in Pinellas County:
- Humana Gold Plus H1036-141
- Freedom Savings Plan
- Humana Gold Plus H1036-119
- Humana Gold Plus H1036-052
Related Medicare Health Plans in Pinellas County, FL
- Medicare Advantage Plans in Pinellas County, FL
- Florida Medigap Medicare Supplements
- Senior Dental Insurance Available in Florida
- Florida Medicare Part D Prescription Drug Plans
Preferred Secure Option Availability
Preferred Secure Option is available in Saint Petersburg, Safety Harbor, Largo, Oldsmar, Seminole, Crystal Beach, Pinellas Park, Bay Pines, Indian Rocks Beach, Dunedin, Belleair Beach, Palm Harbor, Tarpon Springs, Ozona, Clearwater, Clearwater Beach, and all other locations in Pinellas County.
This page was last updated on: 8/18/2014