SummaCare Medicare Sapphire Cuyahoga County, OH Medicare Advantage Plan

CMS Rating:SummaCare Medicare Sapphire, a 2014 Medicare Advantage plan for Cuyahoga County, OH seniors, has an average CMS rating of 4.0 out of 5 stars.
Plan Year:2014
Monthly Premium:$65.00
Includes Part D:Yes
Part D Deductible:$0.00
Mail Order Pharmacy:No
Part D Gap Coverage:No Gap Coverage
Plan ID:H3660-029
For Residents Of:Cuyahoga County, OH
Plan Brochure:Not Available
Local HMO Plan
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Medicare Advantage Plan Summary & Benefits

SummaCare Medicare Sapphire Medicare Advantage Plan for Cuyahoga County, Ohio seniors on Medicare.SummaCare Medicare Sapphire (H3660-029), Health Maintenance Organization Advantage Plan, Cuyahoga County, OH by SummaCare Secure

SummaCare Medicare Sapphire is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Cuyahoga County, Ohio. 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 $65.00.

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

By law, private Medicare health insurance has an annual maximum out-of-pocket (MOOP) limit that helps protect you from financial disaster. The MOOP limit in 2014 is $6,700, but plans are allowed to have a MOOP as low as $3,400.

The most you will pay out-of-pocket, if you enroll in the SummaCare Medicare Sapphire Medicare Advantage plan, is $3,400. This figure does not include your monthly premiums or your Medicare Part D coverage for prescriptions. This is what you pay out-of-pocket on co-payments and co-insurance.

Be sure to compare the co-payments and co-insurance with traditional Medicare, but be aware that there are no out-of-pocket limits with Medicare Parts A and B. With Original Medicare you must buy supplemental insurance to cover the gaps or pay out-of-pocket.

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 SummaCare Medicare Sapphire 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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SummaCare Medicare Sapphire Availability

SummaCare Medicare Sapphire is available in Bedford, Westlake, Olmsted Falls, Berea, Rocky River, Cleveland, Broadview Heights, Lakewood, Brookpark, Independence, Chagrin Falls, North Royalton, Brecksville, Solon, Euclid, North Olmsted, Bay Village, Strongsville, Gates Mills, Beachwood, Maple Heights, and all other locations in Cuyahoga County.

This page was last updated on: 8/18/2014