On this page we help consumers: Compare Health Net Seniority Plus Green with all 2020 Medicare Advantage Plans available in San Bernardino County, California. This is a HMO plan with a $0.00/mo premium and $3,400 max out-of-pocket limit.
Health Net Seniority Plus Green 2020 Medicare Advantage HMO Plan for San Bernardino County, CA
Health Net Seniority Plus Green is a Medicare Advantage plan, from Health Net, that's available to Medicare beneficiaries living in San Bernardino County, California.
- It's a Health Maintenance Organization (HMO) health plan.
- It offers the same basic benefits as Original Medicare.
- It may offer extras that Medicare does not cover.
- The maximum out-of-pocket cost with this plan is $3,400 .
- The monthly premium is $0.00 (plus your Part B premium).
- NOTE: It does not include a prescription drug plan (Part D).
Health Net Seniority Plus Green vs. Original Medicare in San Bernardino County
If you join this HMO plan, it will replace your Original Medicare coverage in San Bernardino County and you must agree to let Health Net manage your Medicare benefits, including:
- Medicare Part A (hospital insurance).
- Medicare Part B (medical insurance).
- Additional benefits included in the plan not covered by Medicare.
The benefit of an HMO plan is lower, predictable out-of-pocket expenses. Although more restrictive than Original Medicare, a 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.
Health Net Seniority Plus Green 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 5 different areas that will help you understand how well this plan will care for you.
- Prescription Coverage: Not included with this plan.
- Co-pays & Co-insurance: If you see the doctor regularly, including specialists, you need to know what you'll pay for each visit.
IMPORTANT: 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 refer you before you can see a specialist.
NOTE: Health Net Seniority Plus Green does not include prescription drug coverage (no drug plan). To get it, you can add one of the stand-alone Medicare Drug Plans in California. Prescription drug plans vary widely. Make sure you have the coverage you need.
How Much Does Health Net Seniority Plus Green Cost?
The premium on this plan is $0.00 per month. 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 preventative care mandated by CMS (see H0562-044 Summary of Benefits below).
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 Health Net Seniority Plus Green plan MOOP is $3,400 . 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 San Bernardino County. Some Medicare Supplements offer less overall financial risk than Medicare Advantage.
Medicare 5-Star Ratings
In this section we show you the quality rating for this Health Net plan. Each year CMS rates health plans (Part C) in five broad categories and drug plans (Part D) in four broad categories. We do not recommend joining a plan with an overall rating less than 3.0. The following marks will give you an idea of the level of care you will receive if you join this health plan.
Does Health Net Seniority Plus Green include Medicare Part D?
This plan does not include prescription drug coverage. You can get prescription coverage by joining one of the Medicare Part D Plans in California.
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.
Health Net Seniority Plus Green vs. Medigap
To compare Health Net Seniority Plus Green 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 Health Net Seniority Plus Green with Medicare Supplement plans in California. Medicare Plan F in California is the most popular.
Contact Health Net
For more information about this plan, and other plans on this site, call 1-855-266-4865. You may also contact the plan:
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 Health Net Medicare website.
Additional Plan Options in San Bernardino County
Are you eligible for a San Bernardino County, CA 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:
- Senior Advantage Medicare Medi-Cal Plan South (Local HMO), for Dual-Eligible beneficiaries
- Anthem MediBlue Care On Site (Local HMO), for Institutional beneficiaries
- Anthem MediBlue Diabetes (Local HMO), for Chronic or Disabling Condition beneficiaries
- Anthem MediBlue Breathe (Local HMO), for Chronic or Disabling Condition beneficiaries
- Anthem MediBlue ESRD (Local HMO), for Chronic or Disabling Condition beneficiaries
Not qualified for an SNP? Here are some additional plans you might consider:
- Blue Shield 65 Plus (HMO)
- Blue Shield 65 Plus Choice Plan (HMO)
- Blue Shield Vital (HMO)
- Aetna Medicare Select Plan (HMO)
- Aetna Medicare Prime Plan (HMO)
Medicare Part C Plan Availability
Health Net Seniority Plus Green is available to beneficiaries living in Rancho Cucamonga, Chino, Chino Hills, Guasti, Ontario, Mt Baldy, Montclair, Upland, Earp, Joshua Tree, Morongo Valley, Parker Dam, Pioneertown, Twentynine Palms, Vidal, Yucca Valley, Landers, Adelanto, Amboy, Angelus Oaks, Apple Valley, Baker, Fort Irwin, Barstow, Grand Terrace, Big Bear City, Big Bear Lake, Bloomington, Blue Jay, Bryn Mawr, Cedar Glen, Cedarpines Park, Cima, Colton, Crestline, Crest Park, Daggett, Phelan, Fontana, Essex, Fawnskin, Ludlow, Forest Falls, Hesperia, Green Valley Lake, Helendale, Highland, Hinkley, Loma Linda, Lake Arrowhead, Lucerne Valley, Lytle Creek, Mentone, Needles, Nipton, Newberry Springs, Mountain Pass, Oro Grande, Patton, Pinon Hills, Redlands, Rialto, Rimforest, Running Springs, Skyforest, Sugarloaf, Twin Peaks, Victorville, Wrightwood, Yermo, Yucaipa, San Bernardino, Trona, and all other areas of San Bernardino County, California; Medicare plans are the same throughout the County.