Health Net Ruby Select Maricopa County, AZ Medicare Advantage Plan

Quality Rating:Health Net Ruby Select for  County, AZ, a 2015 Medicare Advantage plan, gets 3.0 out of 5 stars from CMS.
Plan ID:H0351-040
Plan Year:2015
Prescriptions:Yes
Rx Deductible:$0.00
Mail Order Rx:No
Donut Hole Coverage:No
Benefits PDF:Health Net Ruby Select Medicare Plan Summary of Benefits PDF Download
Local HMO Plan
$0.00
Health Net of Arizona, Inc. logo

Health Net Ruby Select Overview

Health Net Ruby Select Medicare Advantage Plan for Maricopa County, Arizona seniors on Medicare.Health Net Ruby Select for Maricopa County, Arizona, by Health Net of Arizona, Inc., is a Health Maintenance Organization (HMO) Medicare Advantage plan for seniors on Medicare. It gives you all of the same health insurance benefits as traditional Medicare and offers extras that Medicare does not cover.

The insurance premium is $0.00 per month. You also have co-payments and/or co-insurances with each healthcare service that you use. You can learn more about the basic coverage costs on the co-payments page.

The real benefit of an HMO plan like Health Net Ruby Select is lower, predictable out-of-pocket expenses. Although more restrictive than traditional Medicare, a Medicare Advantage HMO plan limits your annual out-of-pocket costs. With Medicare Parts A and B, there's no cap, leaving you vulnerable to excessive medical bills.

With an HMO you are required to use healthcare providers in the plan's network. If you don't you will incur additional costs. Also, be aware that your primary care physician must make refer you before you see a specialist.

Health Net Ruby Select Quality Rating

After its first year on the market, the CMS (Centers for Medicare and Medicaid Services) gives each Medicare Advantage 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 Health Net Ruby Select 3.0 out of 5 stars. That means Medicare deems this plan Average as compared to all others (as of 15 October, 2013).

Health Net Ruby Select 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 $3,400 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 $3,400. 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 Health Net Ruby Select with traditional 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 Medicare Health Insurance Plans

Make sure you get the best health insurance for your unique situation. Compare Health Net Ruby Select with these Medicare Advantage plans:

Availability

Health Net Ruby Select is available in the following Arizona cities: Phoenix, New River, Chandler Heights, Queen Creek, Tortilla Flat, Mesa, Chandler, Gilbert, Higley, Scottsdale, Paradise Valley, Rio Verde, Fort Mcdowell, Fountain Hills, Tempe, Glendale, Luke Air Force Base, Aguila, Arlington, Avondale, Buckeye, Cave Creek, Cashion, El Mirage, Gila Bend, Goodyear, Laveen, Litchfield Park, Morristown, Palo Verde, Peoria, Sun City, Tolleson, Tonopah, Waddell, Wickenburg, Wittmann, Youngtown, Surprise, Sun City West, Carefree, and all other areas of Maricopa County.

CMS File Date: October 15, 2014.

This Medicare health insurance catalog is maintained by David Bynon and was last updated on 10/26/2014.