Coventry Medicare Advantage Total Care Overview
Coventry Medicare Advantage Total Care for Sedgwick County, Kansas, by Coventry Health Care, 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 Coventry Medicare Advantage Total Care 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.
Coventry Medicare Advantage Total Care 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 Coventry Medicare Advantage Total Care Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
Coventry Medicare Advantage Total Care Out-of-Pocket Expenses
By law, Medicare Advantage plans have an out-of-pocket limit of $6,700 per year. That said, plans can offer an out-of-pocket maximum as low as $3,400 per year. This plan's out-of-pocket spending limit is $5,900 per year. This amount is not inclusive of your monthly premium or the cost of your prescriptions. It's only what you pay when you receive heathcare services.
What this means to you is that you will no longer make co-payments or co-insurance payments when your out-of-pocket spending reaches $5,900. This is your safety net in the event of a critical illness or a serious accident. It protects you from serious financial liability and it should be carefully considered along with the premium and the co-payments.When comparing Coventry Medicare Advantage Total Care with traditional Medicare benefits, don't forget that you pay about twenty percent of all healthcare expenses covered by Part A and Part B, but there is no out-of-pocket limit. In other words, you have a lot of risk unless you get a Medigap policy to cover the gaps.
Compare Medicare Health Insurance Plans
Make sure you get the best health insurance for your unique situation. Compare Coventry Medicare Advantage Total Care with these Medicare Advantage plans:
- HumanaChoice H1716-001
- HumanaChoice H1716-020
- Humana Gold Plus H2649-021
- Coventry Medicare Advantage
- Humana Gold Choice H8145-120
Coventry Medicare Advantage Total Care is available in the following Kansas cities: Andale, Bentley, Cheney, Clearwater, Colwich, Derby, Garden Plain, Goddard, Greenwich, Haysville, Kechi, Maize, Mount Hope, Mulvane, Valley Center, Viola, Wichita, Mcconnell AFB, and all other areas of Sedgwick County.
CMS File Date: October 15, 2014.
This Medicare health insurance catalog is maintained by 10/26/2014.and was last updated on