- It is a Preferred Provider Organization (PPO) health plan.
- It provides all the same benefits as Original Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage..
- It may offer extra benefits that Original Medicare does not cover.
- There's a $0 copayment to see your primary care doctor (Doctors, hospitals, pharmacies, and other healthcare providers that agree to health plan members' services and supplies at a set price are in-network providers. With some health plans, your care is only covered if you get...).
- The monthly premium is $0.00 (plus your monthly The Medicare Part B premium is the monthly charge paid by beneficiaries for their outpatient medical care, services, and supplies. A beneficiary's premium may be uplifted by an IRMAA surcharge if their income is above...).
- The health plan does not have an annual A deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share..
- The maximum Out-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments. with this plan is $6,700 (in-network).
PPO health insurance allows you to choose your own primary care doctor, specialists and other healthcare providers. However, it generally costs less to use doctors and specialists in the plan's provider network.
NOTE: UnitedHealthcare Medicare Advantage Patriot does not include a drug plan. To get prescription coverage, add one of the stand-alone Medicare Drug Plans in New York. Coverage by prescription drug plans varies, so make sure you get the coverage you need.
The monthly premium if you join UnitedHealthcare Medicare Advantage Patriot is $0.00 per month. Plus, you must continue to pay your monthly Medicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. premium. Some plans offers a Medicare Part B premium reduction, sometimes called a premium give back. This plan's Part B premium reduction is NONE.
Co-payments and/or co-insurances also apply with most healthcare services, except preventative care mandated by CMS (see R5342-002 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.
Maximum Out-of-Pocket (MOOP) Limit
Unlike Original Medicare, Medicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). must set an annual Maximum Out-of-Pocket limit on inpatient and outpatient healthcare services. The UnitedHealthcare Medicare Advantage Patriot plan MOOP is $6,700 . Once you reach this amount of spending on your A copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service., all of your Medicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. and Part B services will be covered at no additional charge for the remainder of the year.
NOTE: MOOP does not include what you spend on monthly A premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. . It also does not apply to your prescription drugs, Part D deductible, or any other extra benefits bundled in the plan.
CRITICAL: Be sure to evaluate the annual premiums and MOOP of UnitedHealthcare Medicare Advantage Patriot versus what you might expect to pay for a Medicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. in Suffolk County. Some Medicare Supplements offer less overall financial risk than Medicare Advantage plans with a similar annual cost.
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. To learn more about this plan, visit the UnitedHealthcare Medicare website.
Additional Medicare Plan Options in Suffolk County
Are you eligible for a Suffolk County, NY 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:
- VNSNY CHOICE EasyCare Plus (Local HMO), for Dual-Eligible beneficiaries
- Empire MediBlue Dual Advantage Select (Local HMO), for Dual-Eligible beneficiaries
- Empire MediBlue HealthPlus Dual Connect (Local HMO), for Dual-Eligible beneficiaries
- Wellcare Dual Access (Local HMO), for Dual-Eligible beneficiaries
- Wellcare Dual Access Open (Local PPO), for Dual-Eligible beneficiaries
Not qualified for an SNP? Here are some additional plans you might consider:
- Wellcare Giveback Open (PPO)
- Aetna Medicare Premier Plus Plan (PPO)
- Humana Gold Plus H3533-010 (HMO)
- HumanaChoice H5970-024 (PPO)
- Aetna Medicare Eagle Plan (PPO)