Empire MediBlue Freedom I Nassau County, NY Medicare Advantage Plan
Medicare Advantage Plan Summary & Benefits
Empire MediBlue Freedom I (H3342-012), Preferred Provider Organization Advantage Plan, Nassau County, NY by Empire BlueCross BlueShield
Empire MediBlue Freedom I is a Preferred Provider Organization (PPO) health insurance plan for seniors and other Medicare beneficiaries in Nassau County, New York with Medicare benefits. A Medicare Advantage PPO plan gives you freedom to choose which doctors, specialists, and hospitals you visit. You can lower your costs when you use network providers. Plus, predictable copayments and coinsurance make it easier for you to budget healthcare costs. The monthly premium is $50.00.
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 Empire MediBlue Freedom I are allowed to offer a voluntary MOOP as low as $3,400.The Empire MediBlue Freedom I Medicare Advantage plan MOOP is $4,500. 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 $4,500, 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
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 Empire MediBlue Freedom I Medicare Advantage plan has received a Average (as of 15 October, 2013).out of 5 star average rating. Overall, CMS considers this plan to be
Compare Medicare Advantage Plans
Compare Empire MediBlue Freedom I with these top rated Medicare Advantage Plans available in Nassau County:
- EmblemHealth VIP High Option
- EmblemHealth Essential
- EmblemHealth VIP
- Fidelis Medicare Advantage Flex
- Healthfirst Increased Benefits Plan
Additional Senior Health Plans in Nassau County, NY
- Medicare Advantage HMO and PPO Plans Available in Nassau County, NY
- New York Medigap Medicare Supplements
- Dental Plans for New York Seniors
- Medicare Part D Prescription Drug Plans for New York Seniors
Empire MediBlue Freedom I Availability
The Empire MediBlue Freedom I Mediare Advantage plan is currently available to residents of Baldwin, Great Neck, New Hyde Park, Woodmere, Woodbury, Cedarhurst, Lawrence, Old Bethpage, East Norwich, Hicksville, Jericho, Seaford, Atlantic Beach, Levittown, Old Westbury, Glen Head, East Rockaway, Greenvale, Massapequa, West Hempstead, Wantagh, Oyster Bay, South Floral Park, Roslyn, Floral Park, Locust Valley, Plainview, Point Lookout, Merrick, Rockville Centre, Farmingdale, Hempstead, Roosevelt, Long Beach, Hewlett, Valley Stream, Mineola, Mill Neck, Lynbrook, Elmont, Sea Cliff, Franklin Square, Inwood, Manhasset, Freeport, East Meadow, Glenwood Landing, Syosset, Carle Place, Albertson, Williston Park, Bellerose Village, Bellmore, Malverne, Garden City, Port Washington, Glen Cove, Oceanside, Massapequa Park, Uniondale, Westbury, Island Park, Bayville, Roslyn Heights, Bethpage, and all other locations in Nassau County, New York.
This page was last updated on: 7/20/2014