Care Improvement Plus Medicare Advantage Polk County, MO Medicare Advantage Plan

CMS Rating:Care Improvement Plus Medicare Advantage, a 2014 Medicare Advantage plan for Polk County, MO seniors, has an average CMS rating of 3.0 out of 5 stars.
Plan Year:2014
Monthly Premium:$0.00
Includes Part D:Yes
Part D Deductible:$0.00
Mail Order Pharmacy:No
Part D Gap Coverage:No Gap Coverage
Plan ID:H6528-006
For Residents Of:Polk County, MO
Plan Brochure:Care Improvement Plus Medicare Advantage Medicare Advantage plan Summary of Benefits for Polk County, MO
Local PPO Plan
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Medicare Advantage Plan Summary & Benefits

Care Improvement Plus Medicare Advantage Medicare Advantage Plan for Polk County, Missouri seniors on Medicare.Care Improvement Plus Medicare Advantage (H6528-006), Preferred Provider Organization Advantage Plan, Polk County, MO by Care Improvement Plus

Care Improvement Plus Medicare Advantage is a Preferred Provider Organization (PPO) health insurance plan for seniors and other Medicare beneficiaries in Polk County, Missouri 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 $0.00.

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 Care Improvement Plus Medicare Advantage are allowed to offer a voluntary MOOP as low as $3,400.The Care Improvement Plus Medicare Advantage Medicare Advantage plan MOOP is $6,700. 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 $6,700, 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 Care Improvement Plus Medicare Advantage Medicare Advantage plan has received a 3.0 out of 5 star average rating. Overall, CMS considers this plan to be Average (as of 15 October, 2013).

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This page was last updated on: 6/22/2014