Lovelace Medicare Plan Enhanced Chaves County, NM Medicare Advantage Plan

CMS Rating:Lovelace Medicare Plan Enhanced, a 2014 Medicare Advantage plan for Chaves County, NM seniors, has an average CMS rating of 3.0 out of 5 stars.
Plan Year:2014
Monthly Premium:$89.00
Includes Part D:Yes
Part D Deductible:$0.00
Mail Order Pharmacy:No
Part D Gap Coverage:Many Generics
Plan ID:H3251-021
For Residents Of:Chaves County, NM
Plan Brochure:Not Available
Local HMO Plan
Lovelace Medicare Plan logo

Medicare Advantage Plan Summary & Benefits

Lovelace Medicare Plan Enhanced Medicare Advantage Plan for Chaves County, New Mexico seniors on Medicare.Lovelace Medicare Plan Enhanced (H3251-021), Health Maintenance Organization Advantage Plan, Chaves County, NM by Lovelace Medicare Plan

Lovelace Medicare Plan Enhanced is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Chaves County, New Mexico. 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 $89.00.

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 Lovelace Medicare Plan Enhanced are allowed to offer a voluntary MOOP as low as $3,400.The Lovelace Medicare Plan Enhanced 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

To help shoppers compare private health insurance options, Medicare rates the quality of all Medicare Advantage plans. The Centers for Medicare and Medicare Services rates each plan using a one to five-star scale, with one star representing the lowest quality and five stars the highest.

The Lovelace Medicare Plan Enhanced Medicare Advantage plan has received a 3.0 out of 5 star average rating. Overall, CMS considers this plan to be Average (as of 15 October, 2013).

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