Care Improvement Plus Medicare Advantage for Polk, MO

Care Improvement Plus Medicare Advantage
Summary Rating:This Medicare drug plan has an average rating of 3.0
Part C Premium:
Part D Deductible:$0.00
Mail Order:No
Gap Coverage:No Gap Coverage
Formulary Drugs:3604
Plan ID:H6528-006
Plan Year:2014
Residents of:MO Residents
Plan Type:Local PPO
Summary of Benefits:

Medicare Advantage Plan Summary & Benefits

Care Improvement Plus Medicare Advantage, MO Medicare Advantage PlanCare Improvement Plus Medicare Advantage (H6528-006), Preferred Provider Organization Advantage Plan, Polk County, MO

Care Improvement Plus Medicare Advantage is a Preferred Provider Organization (PPO) healthcare plan for seniors and other beneficiaries in Polk County, MO 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 plan information presented on this page is a summary, but not a complete description of available benefits. Comprehensive information about the plan benefits is available from your agent.

Summary of Benefits

When this page was published the Summary of Benefits document for this 2014 health plan was not available. Please Ask an Agent for the Summary of Benefits documentation before choosing this plan.

Monthly Premium

The monthly premium for this health insurance plan in Polk County is $0.00 plus your monthly Medicare Part B premium. Most Medicare beneficiaries pay the standard monthly Part B premium in addition to their MA or MAPD plan premium. However, some beneficiaries are required to pay slightly higher Part B and Medicare Part D premiums because of their income (over $85,000 per year for singles or $170,000 for married couples), or due to late enrollment penalties.

Part D Prescription Drug Plan Information

This plan includes prescription drug coverage. The formulary (00014399) has a total of 3,604 prescription medications.

If you have Part D assistance, your premium will be adjusted based on your percentage.

Formulary Drug Details:Tier 1Tier 2Tier 3Tier 4Tier 5
  — Drugs per Tier:6010681233645598
  — Cost-Sharing in ICP:$5.00$10.0025%25%33%

The Medicare Part D deductible with this health plan is $0.00. That means you have first dollar coverage.

Maximum Out of Pocket (MOOP) Benefit

The new healthcare law allows for a maximum limit of $6,700 on your out of pocket medical costs for 2014 Medicare Advantage plans. This amount is commonly called the plan MOOP (Maximum Out of Pocket). A plan's MOOP does not include your prescription drugs or the monthly premiums you pay for your health plan. Although the mandatory MOOP limit is $6,700, the Affordable Care Act law allows for a “Voluntary MOOP” that can be as low as $3,400. The MOOP on this plan is $6,700 .

Doctor Visits

Most Medicare health plans require you to make a co-payment (aka, copay) when you visit your primary care physician or a doctor. Here's how this plan works:

  • $30 co-payment for each visit to your primary care physician.
  • $50 co-payment for each visit to a specialist covered by Medicare.
  • $30 co-payment for each visit to your primary care physician.
  • $50 co-payment for each visit to a specialist covered by Medicare.

Urgent Care Doctor Visits

Urgent care is the delivery of ambulatory medical care outside of a hospital emergency department on a walk-in basis without a scheduled appointment. Here's how Urgent Care works with this plan:

  • $30 to $40 co-payment for urgent care treatment covered by Medicare.

Emergency Care

Emergency care is medical attention for patients with acute illnesses or injuries which require immediate medical attention. Here's how Emergency Care works with this plan:

  • $65 co-payment for emergency room treatments covered by Medicare.
  • Worldwide coverage.
  • When you are to the hospital within 24-hour(s) for the same medical condition you pay $0 for the emergency room treatment.

Ambulance Service

Most health plans do not cover transportation to and from medical services. The exception, of course, is when you have an emergency or when non-ambulatory. Here's how this plan covers ambulance service:

  • $250 co-payment for ambulance benefits covered by Medicare.
  • $250 co-payment for ambulance benefits covered by Medicare.

Inpatient Treatment (Hospital Stays)

A patient who is admitted to a hospital or clinic for treatment that requires at least one overnight stay is an inpatient. Most health plans have a tiered cost structure for inpatient treatment. Here's how this plan covers hospital stays:

  • There is no limit to the number of days covered by the plan per stay in the hospital.
  • For hospital stay covered by Medicares:
  • Days 1 - 4: $419 co-payment per day.
  • .
  • Days 5 - 90: $0 co-payment per day.
  • $0 co-payment for each additional non-Medicare-covered hospital day.
  • Except in the case of an emergency your physician must let the plan know when you are to be admitted into the hospital.
  • For hospital stay covered by Medicares:
  • Days 1 - 4: $419 co-payment per day.
  • .
  • Days 5 and beyond: $0 co-payment per day.
  • .

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    This page was last updated on: 10/28/2013

    More Information

    About The Insurer Care Improvement Plus

    Care Improvement Plus has built a reputation as a unique Medicare Advantage Special Needs Plan, providing specialized benefits and services for Medicare beneficiaries with conditions such as cardiovascular disorder, diabetes and/or heart failure. Our plans for 2014 will continue to include additional offerings for those with full Medicaid or Low Income Subsidy (LIS). We also have plans for those with Medicare only.

    The summary (overall) rating for this plan is 3.0 out of 5 based on reviews from 0 user ratings from the previous year. For more information about the review process, visit