Medicare Blue Choice Value Plus Overview
Medicare Blue Choice Value Plus for Monroe County, New York, by Excellus Health Plan, Inc, 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 $93.00 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 Medicare Blue Choice Value Plus 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.
Medicare Blue Choice Value Plus 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 Medicare Blue Choice Value Plus Above Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
Medicare Blue Choice Value Plus 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 $5,200. 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 Medicare Blue Choice Value Plus with these Medicare Advantage plans:
- Today's Options Premier 100
- Today's Options Premier 200
- Today's Options Premier Plus 350B
- Today's Options Premier Plus 150A
- Preferred Gold without Part D
Medicare Blue Choice Value Plus is available in the following New York cities: Adams Basin, Brockport, Churchville, Clarkson, East Rochester, Fairport, Hamlin, Henrietta, Hilton, Honeoye Falls, Mendon, Morton, Mumford, North Chili, North Greece, Penfield, Pittsford, Rush, Scottsville, Spencerport, Webster, West Henrietta, Rochester, and all other areas of Monroe County.
CMS File Date: October 15, 2014.
This Medicare health insurance catalog is maintained by 10/26/2014.and was last updated on