Sharp SecureHorizons Plan by UnitedHealthcare San Diego County, CA Medicare Advantage Plan

Quality Rating:Sharp SecureHorizons Plan by UnitedHealthcare for  County, CA, a 2014 Medicare Advantage plan, gets 4.0 out of 5 stars from CMS.
Plan ID:H0543-145
Plan Year:2014
Prescriptions:Yes
Rx Deductible:$0.00
Mail Order Rx:No
Donut Hole:Some Generics
Benefits PDF:Sharp SecureHorizons Plan by UnitedHealthcare Medicare Plan Summary of Benefits PDF Download
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$0.00
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Sharp SecureHorizons Plan by UnitedHealthcare Overview

Sharp SecureHorizons Plan by UnitedHealthcare Medicare Advantage Plan for San Diego County, California seniors on Medicare.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

The Centers for Medicare and Medicaid Services (CMS) reviews and rates the quality of all Medicare Advantage plans. The 1 (worst) to 5 (best) star ratings assist people considering plans and offer an unbiased measure of quality.

The CMS has awarded Sharp SecureHorizons Plan by UnitedHealthcare 4.0 out of 5 stars. That means Medicare deems this plan Above Average as compared to all others (as of 15 October, 2013).

Sharp SecureHorizons Plan by UnitedHealthcare 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 $5,700. 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 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 Sharp SecureHorizons Plan by UnitedHealthcare with these Medicare Advantage plans:

Availability

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: January 14, 2014.

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