ADVANTAGE Select Overview
ADVANTAGE Select for Cass County, Indiana, by ADVANTAGE Health Solutions, Inc., 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 $22.00. 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.
ADVANTAGE Select 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 ADVANTAGE Select Below Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
ADVANTAGE Select 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 $3,400. 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 ADVANTAGE Select with these Medicare Advantage plans:
- HumanaChoice H1510-005
- HumanaChoice R5826-008
- HumanaChoice R5826-066
- Blue Medicare Access Value
- ADVANTAGE Enhanced
ADVANTAGE Select is available in the following Indiana cities: Galveston, Lake Cicott, Logansport, Lucerne, New Waverly, Onward, Royal Center, Twelve Mile, Walton, Young America, and all other areas of Cass County.
CMS File Date: October 15, 2014.
This Medicare health insurance catalog is maintained by 10/26/2014.and was last updated on