Empire MediBlue Freedom I Nassau County, NY Medicare Advantage Plan

Quality Rating:Empire MediBlue Freedom I for  County, NY, a 2014 Medicare Advantage plan, gets 3.0 out of 5 stars from CMS.
Plan ID:H3342-012
Plan Year:2014
Prescriptions:Yes
Rx Deductible:$125.00
Mail Order Rx:No
Donut Hole:No Gap Coverage
Benefits PDF:Empire MediBlue Freedom I Medicare Plan Summary of Benefits PDF Download
Local PPO Plan
$50.00
Empire BlueCross BlueShield logo

Empire MediBlue Freedom I Overview

Empire MediBlue Freedom I Medicare Advantage Plan for Nassau County, New York seniors on Medicare.Empire MediBlue Freedom I for Nassau County, New York, by Empire BlueCross BlueShield, 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 $50.00. 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.

Empire MediBlue Freedom I 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 Empire MediBlue Freedom I 3.0 out of 5 stars. That means Medicare deems this plan Average as compared to all others (as of 15 October, 2013).

Empire MediBlue Freedom I 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 $4,500 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 $4,500. 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 Empire MediBlue Freedom I 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 Empire MediBlue Freedom I with these Medicare Advantage plans:

Availability

Empire MediBlue Freedom I is available in the following New York cities: Floral Park, South Floral Park, Bellerose Village, Elmont, Franklin Square, Great Neck, Manhasset, New Hyde Park, Port Washington, Inwood, Mineola, Albertson, Atlantic Beach, Baldwin, Carle Place, Cedarhurst, East Rockaway, Freeport, Garden City, Glen Cove, Glen Head, Glenwood Landing, Greenvale, Hempstead, West Hempstead, Uniondale, East Meadow, Hewlett, Island Park, Lawrence, Locust Valley, Long Beach, Lynbrook, Malverne, Merrick, Old Westbury, Point Lookout, Rockville Centre, Oceanside, Roosevelt, Roslyn, Roslyn Heights, Sea Cliff, Valley Stream, Westbury, Williston Park, Woodmere, Bayville, Bellmore, Bethpage, East Norwich, Farmingdale, Jericho, Levittown, Massapequa, Massapequa Park, Mill Neck, Oyster Bay, Syosset, Seaford, Wantagh, Woodbury, Hicksville, Plainview, Old Bethpage, and all other areas of Nassau County.

CMS File Date: January 14, 2014.

This Medicare health insurance catalog is maintained by David Bynon and was last updated on 9/16/2014.