Blue Medicare HMO Standard Nash County, NC Medicare Advantage Plan
Medicare Advantage Plan Summary & Benefits
Blue Medicare HMO Standard (H3449-013), Health Maintenance Organization Advantage Plan, Nash County, NC by Blue Cross and Blue Shield of North Carolina
Blue Medicare HMO Standard is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Nash County, North Carolina. 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 Blue Medicare HMO Standard are allowed to offer a voluntary MOOP as low as $3,400.The Blue Medicare HMO Standard Medicare Advantage plan MOOP is $3,400. 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 $3,400, 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 Blue Medicare HMO Standard 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 Blue Medicare HMO Standard with these top rated Medicare Advantage Plans available in Nash County:
- HumanaChoice R5826-063
- HumanaChoice R5826-003
- Blue Medicare PPO Enhanced
- HumanaChoice R5826-079
- Blue Medicare HMO Medical Only
Related Medicare Insurance in Nash County, NC
- Medicare Advantage Plans for Nash County, NC Seniors
- North Carolina Medicare Supplement Plans
- North Carolina Dental Insurance for Seniors
- North Carolina Prescription Drug Plans
Blue Medicare HMO Standard Availability
Blue Medicare HMO Standard is available in Red Oak, Spring Hope, Nashville, Whitakers, Castalia, Bailey, Sharpsburg, Rocky Mount, Middlesex, and all other locations in Nash County.
This page was last updated on: 8/18/2014