Health Net Ruby Select Pima County, AZ Medicare Advantage Plan

Quality Rating:Health Net Ruby Select for  County, AZ, a 2014 Medicare Advantage plan, gets 3.0 out of 5 stars from CMS.
Plan ID:H0351-041
Plan Year:2014
Prescriptions:Yes
Rx Deductible:$0.00
Mail Order Rx:No
Donut Hole:No Gap Coverage
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 Pima County, Arizona seniors on Medicare.Health Net Ruby Select for Pima 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

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 $3,800. 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 traditional 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 traditional Medicare you must add supplemental Medicare insurance to cover the cost 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: Ajo, Lukeville, Arivaca, Green Valley, Mount Lemmon, Sahuarita, Sasabe, Sells, Topawa, Vail, Cortaro, Marana, Rillito, Tucson, Catalina, and all other areas of Pima County.

CMS File Date: January 14, 2014.

This Medicare health insurance catalog is maintained by David Bynon and was last updated on 9/30/2014.