Blue Medicare HMO Standard Overview
Blue Medicare HMO Standard for Nash County, North Carolina, by Blue Cross and Blue Shield of North Carolina, 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 $38.40 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 Blue Medicare HMO Standard 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.
Blue Medicare HMO Standard 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 Blue Medicare HMO Standard Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
Blue Medicare HMO Standard 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 $4,900. 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 Blue Medicare HMO Standard with these Medicare Advantage plans:
- HumanaChoice R5826-063
- HumanaChoice R5826-079
- Blue Medicare PPO Enhanced
- Blue Medicare PPO Enhanced Freedom
- Blue Medicare HMO Enhanced
Blue Medicare HMO Standard is available in the following North Carolina cities: Middlesex, Rocky Mount, Bailey, Castalia, Nashville, Red Oak, Sharpsburg, Spring Hope, Whitakers, and all other areas of Nash County.
CMS File Date: October 15, 2014.
This Medicare health insurance catalog is maintained by 10/26/2014.and was last updated on