ADVANTAGE Select Cass County, IN Medicare Advantage Plan

ADVANTAGE Select Medicare Advantage Plan for Cass County, Indiana seniors on Medicare.ADVANTAGE Select, a Cass County, Indiana Medicare Advantage plan from ADVANTAGE Health Solutions, Inc., is a Preferred Provider Organization (PPO) option for people with Medicare. PPO health insurance allows you to choose your own primary care doctor, specialists and other healthcare providers. If you're on a budget you can lower your out-of-pocket costs by using the plan's provider network.

The monthly premium on this PPO plan is $22.00. Plus, co-payments and/or co-insurances also apply to most of the healthcare services you use. However, unlike original Medicare your out-of-pocket expenses are capped. As a result, you won't be vulnerable to excessive medical bills due to an accident or a critical illness.

Quality Rating

After its first year on the market, the CMS (Centers for Medicare and Medicaid Services) gives each plan an overall one to five star rating. The unbiased quality assessment assists people when comparing plans. Medicare Advantage plans with five stars have the highest quality, whereas a one star plan has the lowest quality.

The CMS has awarded ADVANTAGE Select 2.0 out of 5 stars. That means Medicare deems this plan Below Average as compared to all others (as of 15 October, 2014).

Out-of-Pocket Expenses

One of the benefits built in to all Medicare Advantage plans is an annual out-of-pocket limit. The maximum is $6,700, but plans are allowed to offer a voluntary limit as low as $3,400 per year.

The most you will pay out-of-pocket if you enroll in this plan is $3,400. This amount is what you actually pay for your healthcare services. It does not include your monthly premium or your prescriptions. It's only the costs you pay out-of-pocket on co-payments and co-insurances.

It's important to do your homework and compare the co-payments and co-insurance with this plan to those of original Medicare. Also, be aware that Medicare Part A and Part B do not limit your out-of-pocket costs like Medicare Advantage. If you stay in original Medicare you must add supplemental Medicare insurance to cover the cost gaps.

Compare Plans

Be a smart shopper. Compare ADVANTAGE Select with these plans:

ADVANTAGE Select vs. Medigap Plan K

If you're looking at ADVANTAGE Select because of it premium, we suggest looking a Medigap Plan K, as well. The out-of-pocket limit on Plan K is $4,940 vs. $3,400 on this plan. You also have complete freedom to see the physician you choose. Visit Medigap Plan K vs. Medicare Advantage to see other important differences.

Who Can Join?

You can join ADVANTAGE Select if you are entitled to Medicare Part A and enrolled in Medicare Part B and live in the service area. You must continue to pay your Medicare Part B premium. The service area includes: Galveston, Lake Cicott, Logansport, Lucerne, New Waverly, Onward, Royal Center, Twelve Mile, Walton, Young America, and all other areas of Cass County, Indiana.

CMS File Date: October 15, 2014.

This Medicare Advantage Plan catalog is maintained by David Bynon and was last updated on 9/14/2015. For more information, download the Summary of Benefits ADVANTAGE Select Medicare Advantage Plan H5508-005 Summary of Benefits for Cass County, Indiana, visit the ADVANTAGE Health Solutions, Inc. website, or call ADVANTAGE Health Solutions, Inc. at N/A.