Sharp SecureHorizons Plan by UnitedHealthcare Overview
Sharp SecureHorizons Plan by UnitedHealthcare for San Diego County, California, by UnitedHealthcare, 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 Sharp SecureHorizons Plan by UnitedHealthcare 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.
Sharp SecureHorizons Plan by UnitedHealthcare 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 Sharp SecureHorizons Plan by UnitedHealthcare Above Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
Sharp SecureHorizons Plan by UnitedHealthcare 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 $5,700. Be sure to take into consideration, along with the premium and the co-payments, when making your enrollment decision.
If you are comparing Sharp SecureHorizons Plan by UnitedHealthcare 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 Sharp SecureHorizons Plan by UnitedHealthcare with these Medicare Advantage plans:
- Kaiser Permanente Senior Advantage San Diego
- Blue Shield 65 Plus
- AARP MedicareComplete SecureHorizons Value
- AARP MedicareComplete SecureHorizons Premier
- AARP MedicareComplete SecureHorizons Essential
Sharp SecureHorizons Plan by UnitedHealthcare is available in the following California cities: Alpine, Bonita, Boulevard, Campo, Chula Vista, Descanso, Dulzura, Guatay, Imperial Beach, Jacumba, Jamul, La Mesa, Lemon Grove, Lincoln Acres, Mount Laguna, National City, Pine Valley, Potrero, Spring Valley, Tecate, Bonsall, Borrego Springs, Cardiff By The Sea, Carlsbad, Del Mar, El Cajon, Encinitas, Escondido, Fallbrook, Julian, La Jolla, Lakeside, Oceanside, Camp Pendleton, Pala, Palomar Mountain, Pauma Valley, Poway, Ramona, Ranchita, Rancho Santa Fe, San Luis Rey, San Marcos, Santa Ysabel, Santee, Solana Beach, Vista, Valley Center, Warner Springs, San Diego, Coronado, San Ysidro, and all other areas of San Diego County.
CMS File Date: October 15, 2014.
This Medicare health insurance catalog is maintained by 10/26/2014.and was last updated on