Cigna-HealthSpring Advantage Putnam County, TN Medicare Advantage Plan

CMS Rating:Cigna-HealthSpring Advantage, a 2014 Medicare Advantage plan for Putnam County, TN seniors, has an average CMS rating of 4.0 out of 5 stars.
Plan Year:2014
Monthly Premium:$0.00
Includes Part D:No
Part D Deductible:$0.00
Mail Order Pharmacy:No
Part D Gap Coverage:
Plan ID:H4454-012
For Residents Of:Putnam County, TN
Plan Brochure:Cigna-HealthSpring Advantage Medicare Advantage plan Summary of Benefits for Putnam County, TN
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Medicare Advantage Plan Summary & Benefits

Cigna-HealthSpring Advantage Medicare Advantage Plan for Putnam County, Tennessee seniors on Medicare.Cigna-HealthSpring Advantage (H4454-012), Health Maintenance Organization Advantage Plan, Putnam County, TN by HealthSpring

Cigna-HealthSpring Advantage is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Putnam County, Tennessee. 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 Cigna-HealthSpring Advantage are allowed to offer a voluntary MOOP as low as $3,400.The Cigna-HealthSpring Advantage 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

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 Cigna-HealthSpring Advantage 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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Cigna-HealthSpring Advantage Availability

The Cigna-HealthSpring Advantage Mediare Advantage plan is currently available to residents of Baxter, Cookeville, Buffalo Valley, Silver Point, Bloomington Springs, Monterey, and all other locations in Putnam County, Tennessee.

This page was last updated on: 7/20/2014