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

Care Improvement Plus Medicare Advantage Medicare Advantage Plan for Polk County, Missouri seniors on Medicare.Care Improvement Plus Medicare Advantage, a Polk County, Missouri Medicare Advantage plan from Care Improvement Plus, 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 $29.00. 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

The Centers for Medicare and Medicaid Services (CMS) reviews and rates the quality of all plans. The 1 (worst) to 5 (best) star ratings assist people considering plans and offer an unbiased measure of quality.

The CMS has awarded Care Improvement Plus Medicare Advantage 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

By law, Medicare Advantage plans have an out-of-pocket limit of $6,700 per year. That said, plans can offer an out-of-pocket maximum as low as $3,400 per year. This plan's out-of-pocket spending limit is $6,700 per year. This amount is not inclusive of your monthly premium or the cost of your prescriptions. It's only what you pay when you receive heathcare services.

What this means to you is that you will no longer make co-payments or co-insurance payments when your out-of-pocket spending reaches $6,700. This is your safety net in the event of a critical illness or a serious accident. It protects you from serious financial liability and it should be carefully considered along with the premium and the co-payments.

When comparing Care Improvement Plus Medicare Advantage with original Medicare benefits, don't forget that you pay about twenty percent of all healthcare expenses covered by Part A and Part B, but there is no out-of-pocket limit. In other words, you have a lot of risk unless you get a Medigap policy to cover the gaps.

Compare Plans

Make sure you get the best health insurance for your unique situation. Compare Care Improvement Plus Medicare Advantage with these Medicare plans:

Care Improvement Plus Medicare Advantage vs. Medigap Plan K

If you're looking at Care Improvement Plus Medicare Advantage 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. $6,700 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 Care Improvement Plus Medicare Advantage 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: Aldrich, Bolivar, Brighton, Dunnegan, Eudora, Fair Play, Flemington, Half Way, Humansville, Morrisville, Polk, and all other areas of Polk County, Missouri.

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 (N/A), visit the Care Improvement Plus website, or call Care Improvement Plus at N/A.