BlueMedicare Regional PPO Pasco County, FL Medicare Advantage Plan

BlueMedicare Regional PPO Medicare Advantage Plan for Pasco County, Florida seniors on Medicare.BlueMedicare Regional PPO, a Pasco County, Florida Medicare Advantage plan from Blue Cross and Blue Shield of Florida, 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 $36.10. 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 BlueMedicare Regional PPO 3.0 out of 5 stars. That means Medicare deems this plan 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 $6,700. 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

Make sure you get the best health insurance for your unique situation. Compare BlueMedicare Regional PPO with these Medicare plans:

BlueMedicare Regional PPO vs. Medigap Plan K

In addition to the plans above, we recommend evaluating Medicare Supplement Plan K. These plans have a $4,940 out of pocket limit (vs. $6,700 on BlueMedicare Regional PPO). Plus, you have the freedom to choose your doctors and other healthcare providers. Have a look at Medigap Plan K vs. Medicare Advantage before you make any decisions.

Who Can Join?

You can join BlueMedicare Regional PPO 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: Dade City, Crystal Springs, Lacoochee, Zephyrhills, Wesley Chapel, Saint Leo, San Antonio, Trilby, Spring Hill, Land O Lakes, New Port Richey, Hudson, Port Richey, Aripeka, Elfers, Holiday, and all other areas of Pasco County, Florida.

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 Blue Cross and Blue Shield of Florida, Inc. website, or call Blue Cross and Blue Shield of Florida, Inc. at N/A.