Presbyterian MediCare PPO Plan 3 with Rx Union County, NM Medicare Advantage Plan

Quality Rating:Presbyterian MediCare PPO Plan 3 with Rx for  County, NM, a 2014 Medicare Advantage plan, gets 3.0 out of 5 stars from CMS.
Plan ID:H3206-002
Plan Year:2014
Prescriptions:Yes
Rx Deductible:$0.00
Mail Order Rx:No
Donut Hole:Many Generics
Benefits PDF:Presbyterian MediCare PPO Plan 3 with Rx Medicare Plan Summary of Benefits PDF Download
Local PPO Plan
$132.00
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Presbyterian MediCare PPO Plan 3 with Rx Overview

Presbyterian MediCare PPO Plan 3 with Rx Medicare Advantage Plan for Union County, New Mexico seniors on Medicare.Presbyterian MediCare PPO Plan 3 with Rx for Union County, New Mexico, by Presbyterian MediCare PPO, is a Preferred Provider Organization (PPO) Medicare Advantage plan for seniors on Medicare. PPO health insurance allows you to choose your own primary care doctor, specialists and other healthcare providers. If you're on a budget you can lower your out-of-pocket costs by using the plan's provider network.

The monthly premium on this PPO plan is $132.00. Plus, co-payments and/or co-insurances also apply to most of the healthcare services you use. However, unlike traditional Medicare your out-of-pocket expenses are capped. As a result, you won't be vulnerable to excessive medical bills due to an accident or a critical illness.

Presbyterian MediCare PPO Plan 3 with Rx Quality Rating

To help seniors compare Medicare Advantage plans, Medicare rates the relative quality of all plans. After a full year on the market, each plan receives a one to five-star over-all mark, with one star being the lowest quality and five stars the highest quality.

The CMS has awarded Presbyterian MediCare PPO Plan 3 with Rx 3.0 out of 5 stars. That means Medicare deems this plan Average as compared to all others (as of 15 October, 2013).

Presbyterian MediCare PPO Plan 3 with Rx 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 $3,000 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 $3,000. 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 Presbyterian MediCare PPO Plan 3 with Rx 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 Presbyterian MediCare PPO Plan 3 with Rx with these Medicare Advantage plans:

Availability

Presbyterian MediCare PPO Plan 3 with Rx is available in the following New Mexico cities: Amistad, Capulin, Clayton, Des Moines, Folsom, Gladstone, Grenville, Sedan, and all other areas of Union 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.