SCAN Classic Overview
SCAN Classic for Riverside County, California, by SCAN Health Plan, 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 SCAN Classic 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.
SCAN Classic Quality Rating
The Centers for Medicare and Medicaid Services (CMS) reviews and rates the quality of all Medicare Advantage plans. The 1 (worst) to 5 (best) star ratings assist people considering plans and offer an unbiased measure of quality.
The CMS has awarded SCAN Classic Above Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
SCAN Classic 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 $3,400 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 $3,400. 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 SCAN Classic 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 SCAN Classic with these Medicare Advantage plans:
- Kaiser Permanente Senior Advantage Inland Empire
- Blue Shield 65 Plus
- AARP MedicareComplete SecureHorizons Plan 1
- AARP MedicareComplete SecureHorizons Essential
- AARP MedicareComplete SecureHorizons Plan 2
SCAN Classic is available in the following California cities: Mira Loma, Indio, Indian Wells, Palm Desert, Banning, Beaumont, Blythe, Cabazon, Cathedral City, Coachella, Desert Center, Desert Hot Springs, La Quinta, Mecca, North Palm Springs, Palm Springs, Rancho Mirage, Thermal, Thousand Palms, Whitewater, Calimesa, Riverside, March Air Reserve Base, Lake Elsinore, Aguanga, Anza, Hemet, Homeland, Idyllwild, Moreno Valley, Mountain Center, Murrieta, Nuevo, Perris, San Jacinto, Menifee, Sun City, Quail Valley, Temecula, Wildomar, Winchester, Norco, Corona, and all other areas of Riverside County.
CMS File Date: October 15, 2014.
This Medicare health insurance catalog is maintained by 10/26/2014.and was last updated on