Care Improvement Plus Medicare Advantage Polk County, MO Medicare Advantage Plan

Quality Rating:Care Improvement Plus Medicare Advantage for  County, MO, a 2014 Medicare Advantage plan, gets 3.0 out of 5 stars from CMS.
Plan ID:H6528-006
Plan Year:2014
Prescriptions:Yes
Rx Deductible:$0.00
Mail Order Rx:No
Donut Hole:No Gap Coverage
Benefits PDF:Care Improvement Plus Medicare Advantage Medicare Plan Summary of Benefits PDF Download
Local PPO Plan
$0.00
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Care Improvement Plus Medicare Advantage Overview

Care Improvement Plus Medicare Advantage Medicare Advantage Plan for Polk County, Missouri seniors on Medicare.Care Improvement Plus Medicare Advantage for Polk County, Missouri, by Care Improvement Plus, 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 $0.00. 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.

Care Improvement Plus Medicare Advantage 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 Care Improvement Plus Medicare Advantage 3.0 out of 5 stars. That means Medicare deems this plan Average as compared to all others (as of 15 October, 2013).

Care Improvement Plus Medicare Advantage 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 $6,700 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 $6,700. 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 Care Improvement Plus Medicare Advantage 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 Care Improvement Plus Medicare Advantage with these Medicare Advantage plans:

Availability

Care Improvement Plus Medicare Advantage is available in the following Missouri cities: Aldrich, Bolivar, Brighton, Dunnegan, Eudora, Fair Play, Flemington, Half Way, Humansville, Morrisville, Polk, and all other areas of Polk 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.