On this page we help consumers: Compare UnitedHealthcare Medicare Advantage Assure with all 2020 Medicare Advantage Plans available in Cache County, Utah. This is a PPO plan with a $21.10/mo premium and $6,700 max out-of-pocket limit.
UnitedHealthcare Medicare Advantage Assure 2020 Medicare Advantage PPO Plan for Cache County, UT
UnitedHealthcare Medicare Advantage Assure is a Medicare Advantage plan from UnitedHealthcare that's available to Medicare beneficiaries living in Cache County, Utah.
- It is a Preferred Provider Organization (PPO) health plan.
- It includes a prescription drug plan (Part D).
- It has the same health insurance benefits as Original Medicare.
- It offers extras that Medicare does not cover.
- The maximum out-of-pocket cost with this plan is $6,700 .
- The monthly premium is $21.10 (plus your Part B premium).
UnitedHealthcare Medicare Advantage Assure vs. Traditional Medicare in Cache County
This PPO plan replaces your Original Medicare coverage in Cache County. If you join this plan, you must agree to let UnitedHealthcare manage your Medicare benefits, including:
- Medicare Part A (hospital insurance).
- Medicare Part B (medical insurance).
- Medicare Part D (prescription drug coverage).
- Additional benefits included in the plan not covered by Medicare.
This PPO health insurance allows you to choose your own primary care doctor, specialists, and other healthcare providers in Cache County. If you're on a budget you can lower your out-of-pocket costs by using the plan's provider network.
UnitedHealthcare Medicare Advantage Assure Review
These are the areas of the plan that are important to compare and review:
- Premium: This is the amount you will pay monthly, above and beyond your Medicare Part B.
- Maximum-Out-Of-Pocket (MOOP): This is the most you will pay for co-pays and co-insurance before the plan pays 100%.
- CMS Ratings: Important measurements across 9 different areas that will help you understand how well this plan will care for you.
- Prescription Coverage: Medications are expensive, so you'll want to know how this plan covers your prescriptions.
- Co-pays & Co-insurance: If you see the doctor regularly, including specialists, you need to know what you'll pay for each visit.
IMPORTANT: Unlike Original Medicare, your out-of-pocket expenses are capped with this plan. As a result, you won't be vulnerable to excessive medical bills due to an accident or a critical illness.
CRITICAL: UnitedHealthcare Medicare Advantage Assure includes a Medicare drug plan with its own deductible and co-pays. If you have regular prescriptions, make sure your medications are covered at a favorable price before you join this plan. Prescription drug plans vary significantly by plan. Make sure you have the best coverage.
How Much Does UnitedHealthcare Medicare Advantage Assure Cost?
The premium on this plan is $21.10 per month. That includes your prescription drugs, as well. Plus, you must continue to pay your monthly Medicare Part B premium. Co-payments and/or co-insurances also apply with most healthcare services, except preventive care mandated by CMS (see H0271-003 Summary of Benefits below).
Although the health plan itself does not have a deductible, the prescription drug plan does. It's $435.00 per year. That means you pay 100% of your prescription costs until you've spent $435.00, then the plan will begin paying it's share.
IMPORTANT: When evaluating this plan, look past the monthly premium. Identify the costs of the healthcare services you use most. Only then will you uncover the plan's value for your personal situation.
What is the Maximum Out-of-Pocket (MOOP) Limit?
Unlike Original Medicare, Medicare Advantage plans must set an annual Maximum Out-of-Pocket limit on inpatient and outpatient healthcare services. The UnitedHealthcare Medicare Advantage Assure plan MOOP is $6,700 . Once you reach this amount of spending on your co-payments, all of your Medicare Part A and Part B services will be covered at no additional charge.
Plans can set their MOOP at a voluntary level of $0 to $3,400 (for in-network services) or a mandatory $3,401 to $6,700 (in-network). Combined totals for in-network and out-of-network are generally higher.
NOTE: MOOP does not include what you spend on monthly premiums. It also does not apply to your prescription drugs or Part D deductible.
CRITICAL: It is important to evaluate the combined annual MA/MAPD premiums and MOOP versus what you might expect to pay for a Medicare Supplement in Cache County. Some Medicare Supplements offer less overall financial risk than Medicare Advantage.
UnitedHealthcare Medicare Advantage Assure is a new plan for 2020. As such it has not been rated by CMS.
NOTE: Many new plans enter the market with low premiums and low co-pays. Remember, it's important to evaluate plans every year. This is particularly true with new plans.
Does UnitedHealthcare Medicare Advantage Assure include Medicare Part D?
This plan includes prescription drug coverage (Medicare Part D). If you have regular prescriptions, it's critical that you evaluate your costs using the plan's formulary.
In addition to the monthly premium and Part D deductible, the drug plan has copayments (fixed dollar amount) and/or coinsurances (percentage) that you must pay when you pickup your medications. Here's the drug coverage schedule for this plan:
How Much are the Copays & Co-Insurance?
In this Summary of Benefits section we outline high-level information about the plan's co-payment and co-insurance costs for inpatient, outpatient, preventive care, transportation and other healthcare services. For complete details or assistance call: 1-855-266-4865.
UnitedHealthcare Medicare Advantage Assure vs. Medigap
To compare UnitedHealthcare Medicare Advantage Assure with a Medigap plan (Medicare supplemental insurance), you need to evaluate your healthcare and financial needs. Look at the total potential cost with each plan type, not just the monthly premium, and choose how you want to use medical care (locally or nationally).
To help you make a better decision, we created our How-to Choose the Best Medicare Plan guide. It will help you understand how to compare UnitedHealthcare Medicare Advantage Assure with Medicare Supplement plans in Utah. Medicare Plan F in Utah is the most popular.
For more information about this plan, call the Enrollment Assistance line, or visit the Enrollment Website or the plan website:
For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website. You can learn more about the Medicare Advantage program on www.medicare.gov or the Wikipedia page. To learn more about this plan, visit the UnitedHealthcare Medicare website.
Additional Plan Options in Cache County
Are you eligible for a Cache County, UT Medicare Special Needs Plan (SNP)? SNPs are a special type of Medicare Advantage plan designed to help people with special needs. Here are some of the SNP plans in your area:
- UnitedHealthcare Medicare Advantage Assist (Local HMO), for Chronic or Disabling Condition beneficiaries
- Molina Medicare Complete Care (Local HMO), for Dual-Eligible beneficiaries
Not qualified for an SNP? Here are some additional plans you might consider:
- Lasso Healthcare (MSA)
- SelectHealth Advantage Essential (HMO)
- SelectHealth Advantage Enhanced (HMO)
- AARP Medicare Advantage Plan 1 (HMO)
- AARP Medicare Advantage Essential (HMO)
Medicare Part C Plan Availability
UnitedHealthcare Medicare Advantage Assure is available to beneficiaries living in Cache Junction, Clarkston, Cornish, Hyde Park, Hyrum, Lewiston, Logan, Mendon, Millville, Newton, Paradise, Providence, Richmond, Smithfield, Trenton, Wellsville, and all other areas of Cache County, Utah; Medicare plans are the same throughout the County.