AARP MedicareComplete Plan 1 Overview
AARP MedicareComplete Plan 1 for Suffolk County, Massachusetts, 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 AARP MedicareComplete Plan 1 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.
AARP MedicareComplete Plan 1 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 AARP MedicareComplete Plan 1 Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
AARP MedicareComplete Plan 1 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 $6,700. 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 AARP MedicareComplete Plan 1 with these Medicare Advantage plans:
- Medicare PPO Blue PlusRx
- Tufts Medicare Preferred HMO Basic Rx
- Tufts Medicare Preferred HMO Prime Rx Plus
- Tufts Medicare Preferred HMO Prime Rx
- Tufts Medicare Preferred HMO Value No Rx
AARP MedicareComplete Plan 1 is available in the following Massachusetts cities: Boston, Roxbury, Roxbury Crossing, Dorchester, Dorchester Center, Mattapan, South Boston, Charlestown, Jamaica Plain, Roslindale, West Roxbury, Allston, Brighton, Hyde Park, Readville, Chelsea, Revere, Winthrop, East Boston, and all other areas of Suffolk County.
CMS File Date: January 14, 2014.
This Medicare health insurance catalog is maintained by 9/30/2014.and was last updated on