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
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

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 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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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