Health Net Ruby Select Overview
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 Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
Health Net Ruby Select Out-of-Pocket Expenses
Medicare Advantage plans are limited to a maximum out-of-pocket limit of $6,700 (annually). This out-of-pocket limit does not include your prescriptions or your monthly premiums. It only applies to your costs for healthcare services.
Although the mandatory limit is $6,700, the CMS allows plans to offer a lower limit that can be as low as $3,400. The out-of-pocket limit on this plan is $3,400. Be sure to take into consideration, along with the premium and the co-payments, when making your enrollment decision.
If you are comparing Health Net Ruby Select with your traditional Medicare benefits, it's important to remember that there are no limits to your out-of-pocket expenses with Medicare Part A or Medicare Part B. If you keep your traditional Medicare benefits, the only way to avoid high medical bills is to purchase Medicare Supplement insurance to supplement your coverage.
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:
- Blue Medicare Advantage Plus
- Cigna Medicare Select Plus Rx-Standard
- Blue Medicare Advantage Premier
- Blue Medicare Advantage Classic
- Humana Gold Plus H2649-032
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: January 14, 2014.
This Medicare health insurance catalog is maintained by 9/30/2014.and was last updated on