ConnectiCare VIP Prime 1 Hartford County, CT Medicare Advantage Plan

Quality Rating:ConnectiCare VIP Prime 1 for  County, CT, a 2014 Medicare Advantage plan, gets 4.0 out of 5 stars from CMS.
Plan ID:H3528-001
Plan Year:2014
Prescriptions:Yes
Rx Deductible:$0.00
Mail Order Rx:No
Donut Hole:No Gap Coverage
Benefits PDF:ConnectiCare VIP Prime 1 Medicare Plan Summary of Benefits PDF Download
Local HMO Plan
$0.00
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ConnectiCare VIP Prime 1 Overview

ConnectiCare VIP Prime 1 Medicare Advantage Plan for Hartford County, Connecticut seniors on Medicare.ConnectiCare VIP Prime 1 for Hartford County, Connecticut, by ConnectiCare, 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 $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 ConnectiCare VIP Prime 1 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.

ConnectiCare VIP Prime 1 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 ConnectiCare VIP Prime 1 4.0 out of 5 stars. That means Medicare deems this plan Above Average as compared to all others (as of 15 October, 2013).

ConnectiCare VIP Prime 1 Out-of-Pocket Expenses

Medicare Advantage plans are limited to a maximum out-of-pocket limit of $6,700 (annually). This out-of-pocket limit does not include your prescriptions or your monthly premiums. It only applies to your costs for healthcare services.

Although the mandatory limit is $6,700, the CMS allows plans to offer a lower limit that can be as low as $3,400. The out-of-pocket limit on this plan is $6,700. Be sure to take into consideration, along with the premium and the co-payments, when making your enrollment decision.

If you are comparing ConnectiCare VIP Prime 1 with your traditional Medicare benefits, it's important to remember that there are no limits to your out-of-pocket expenses with Medicare Part A or Medicare Part B. If you keep your traditional Medicare benefits, the only way to avoid high medical bills is to purchase Medicare Supplement insurance to supplement your coverage.

Compare Medicare Health Insurance Plans

Make sure you get the best health insurance for your unique situation. Compare ConnectiCare VIP Prime 1 with these Medicare Advantage plans:

Availability

ConnectiCare VIP Prime 1 is available in the following Connecticut cities: Avon, Bloomfield, Windsor, Bristol, Burlington, Broad Brook, Canton, Canton Center, Collinsville, East Berlin, East Glastonbury, East Granby, East Hartland, East Windsor Hill, Farmington, Glastonbury, Granby, Berlin, Manchester, New Britain, North Canton, North Granby, Plainville, Poquonock, Rocky Hill, Simsbury, South Glastonbury, South Windsor, Suffield, Tariffville, Enfield, Unionville, East Windsor, Weatogue, West Granby, West Hartland, West Simsbury, West Suffield, Windsor Locks, Hartford, West Hartford, East Hartford, Wethersfield, Newington, Marion, Marlborough, Milldale, Plantsville, Southington, and all other areas of Hartford 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.