Peoples Health Secure Complete (D-SNP HMO-POS), Washington Parish, LA
Peoples Health Secure Complete, plan H1961-019-0, is a D-SNP Medicare Advantage plan, by Peoples Health. It has a HMO-POS provider network. Delivery of healthcare services and costs are significantly different than in Original Medicare, and the plan offers additional benefits that are not included with Medicare Part A and Part B.
This plan has an overall rating of 5.0 (Excellent) out of 5 stars. See MedicareWire's review below. You must meet all qualification requirements to join this D-SNP plan.
GET NOTIFIED: 2024 Medicare Special Needs Plan Notification.
What You Need to Know
- This is a Medicare Special Needs Plan, with a HMO-POS provider network, exclusively for people with Medicare and Medicaid benefits (dual-eligible).
- This is a zero-dollar D-SNP cost-sharing plan. Members have no copays when they use Medicare-approved healthcare services.
- To qualify, you must live in Washington Parish and have both Medicare Part A and Part B. Plus, you must qualify for full Medicaid.
- Peoples Health Secure Complete includes a Medicare Part D prescription drug plan.
- The annual Part D deductible is $505.00. You pay this amount before cost-sharing begins.
- If you qualify for the Social Security "Extra Help" program, you can get financial assistance to help pay your Medicare Part D monthly premium, annual deductible, and prescription copayments.
- Peoples Health Secure Complete provides the same coverage benefits as Medicare Part A and Part B (Original Medicare) and includes some extra benefits not covered by Original Medicare.
- If you are not qualified to enroll, one of the traditional Medicare Advantage plans available in Washington Parish, Louisiana might be your best option.
- 2024 costs and benefits for Peoples Health Secure Complete will be available in early October. Get Notification.
| H1961-019-0 Plan Basics | |
|---|---|
| Plan ID: | H1961-019-0 |
| Plan Type: | D-SNP |
| Network Type: | HMO-POS |
| Plan Year: | 2023 |
| Premium: | $37.60/mo Plus your Part B premium. |
| Health Plan Deductible: | $0.00 |
| Out-of-Pocket Maximum: | $8,300 In-network |
| Drug Plan Benefit: | Basic $505.00 deductible |
| Rx Gap Coverage: | No |
| Supplemental Benefits: | Dental, Vision, Hearing |
| Availability: | Washington Parish, LA |
| Insured By: | Peoples Health |
Health Plan Costs & Benefits
Peoples Health Secure Complete is an HMO-POS (point-of-sale) plan. HMO-POS plans offer the same features as a Health Maintenance Organization (HMO) plan, however, there is one major difference. HMO-POS plans allow members to access healthcare providers outside the plan's network to receive some or all of their services. In most cases, a member will need to get a referral from their physician to go out of the plan's network. Plus, there are separate deductibles for in-network and out-of-network services.
Premiums, deductibles, and copays vary widely from plan to plan. It is very important to compare costs and apply them to your personal financial and healthcare needs.
Monthly Premium
Peoples Health Secure Complete's total monthly premium in Washington Parish is $37.60. This includes your prescription coverage, as well. Plus, you must continue to pay your monthly Medicare Part B premium.
Annual Deductible
Peoples Health Secure Complete's annual health plan deductible is $0.00. This does not include the deductible for the prescription drug plan (if any), which is detailed below.
Maximum Out-of-Pocket Limit
The Maximum Out-of-Pocket (MOOP) with this Peoples Health plan is $8,300 in-network. Unlike Original Medicare, Medicare Advantage plans must set an annual Maximum Out-of-Pocket (MOOP) limit on inpatient and outpatient healthcare services. Once you reach this amount of spending on your copayments, all of your Medicare Part A and Part B services will be covered at no additional charge for the remainder of the year. MOOP does not include monthly premiums, prescriptions, or other extra benefits.
Health Plan Out-of-Pocket Costs
The following table is a summary of the most common out-of-pocket costs you will incur if you join this Peoples Health plan:
| Healthcare Service | Member Cost |
|---|---|
| Health plan deductible | $0 |
| Maximum out-of-pocket enrollee responsibility (does not include prescription drugs) | $8,300 In-network |
| Doctor Visits | |
| Specialist (In-Network) | $0 copay |
| Wellness programs (e.g., fitness, nursing hotline) | Covered |
| Preventive care | $0 copay |
| Mental Health Services | |
| Outpatient individual therapy visit with a psychiatrist (In-Network) | $0 copay (authorization required) |
| Outpatient individual therapy visit (In-Network) | $0 copay (authorization required) |
| Outpatient group therapy visit (In-Network) | $0 copay (authorization required) |
| Inpatient hospital - psychiatric (In-Network) | $0 copay (authorization required) |
| Outpatient group therapy visit with a psychiatrist (In-Network) | $0 copay (authorization required) |
| Rehabilitation Services | |
| Physical therapy and speech and language therapy visit (In-Network) | $0 copay (authorization required) |
| Medical Equipment / Supplies | |
| Prosthetics (e.g., braces, artificial limbs) (In-Network) | $0 copay (authorization required) |
| Diabetes supplies (In-Network) | $0 copay (authorization required) |
| Diagnostic Procedures / Lab Services / Imaging | |
| Outpatient x-rays (In-Network) | $0 copay (authorization required) |
| Diagnostic radiology services (e.g., MRI) (In-Network) | $0 copay (authorization required) |
| Lab services (In-Network) | $0 copay (authorization required) |
| Medicare Part B Drugs | |
| Other Part B drugs (In-Network) | $0 copay (authorization required) |
| Foot Care (podiatry Services) | |
| Routine foot care (In-Network) | $0 copay (limits may apply) |
| Hearing | |
| Fitting/evaluation | Not covered |
| Hearing aids (In-Network) | $0 copay (limits may apply) |
| Preventive Dental | |
| Dental x-ray(s) (Out-of-Net) | $0 copay (limits may apply) |
| Fluoride treatment (In-Network) | $0 copay (limits may apply) |
| Dental x-ray(s) (In-Network) | $0 copay (limits may apply) |
| Cleaning (Out-of-Net) | $0 copay (limits may apply) |
| Oral exam (Out-of-Net) | $0 copay (limits may apply) |
| Oral exam (In-Network) | $0 copay (limits may apply) |
| Cleaning (In-Network) | $0 copay (limits may apply) |
| Comprehensive Dental | |
| Extractions (In-Network) | $0 copay (limits may apply) |
| Periodontics (Out-of-Net) | $0 copay (limits may apply) |
| Restorative services (Out-of-Net) | $0 copay (limits may apply) |
| Prosthodontics, other oral/maxillofacial surgery, other services (In-Network) | $0 copay (limits may apply) |
| Restorative services (In-Network) | $0 copay (limits may apply) |
| Endodontics (Out-of-Net) | $0 copay (limits may apply) |
| Non-routine services (Out-of-Net) | $0 copay (limits may apply) |
| Diagnostic services (In-Network) | $0 copay (limits may apply) |
| Prosthodontics, other oral/maxillofacial surgery, other services (Out-of-Net) | $0 copay (limits may apply) |
| Diagnostic services (Out-of-Net) | $0 copay (limits may apply) |
| Periodontics (In-Network) | $0 copay (limits may apply) |
| Non-routine services (In-Network) | $0 copay (limits may apply) |
| Extractions (Out-of-Net) | $0 copay (limits may apply) |
| Vision | |
| Eyeglass lenses | Not covered |
| Eyeglasses (frames and lenses) (In-Network) | $0 copay (limits may apply) |
| Other | Not covered |
| Upgrades | Not covered |
| Contact lenses (In-Network) | $0 copay (limits may apply) |
| Eyeglass frames | Not covered |
| Emergency Care / Urgent Care | |
| Urgent care | $0 copay |
| Ground ambulance | $0 copay |
| Inpatient hospital coverage | Not Applicable |
| Outpatient hospital coverage | $0 copay |
| Skilled Nursing Facility | Not Applicable |
| Optional supplemental benefits | No |
Feel free to download our Peoples Health Secure Complete Summary of Benefits information.
Prescription Drug Plan Costs & Benefits
Peoples Health Secure Complete includes an basic benefit Medicare Part D plan (PDP). This simply means that the plan covers the minimum amount required by the Centers for Medicare & Medicaid Services, whereas enhanced benefit plans cover more.
Basic plans typically have less cost-sharing by the plan than plans with an enhanced benefit. But, close to a third of all enhanced plans charge more than the average for preferred brand name drugs, and over 50% charge more for non-preferred brand drugs. For most people, a basic plan is their best bet, due to lower premiums and lower cost-sharing, even if the plan has a deductible.
Prescription Drug Plan Premium
Although the prescription drug plan (Part D) premium is bundled with the total plan cost, some plans have supplemental costs and/or offer low-income subsidy (LIS) assistance. The following table outlines the prescription drug plan premium details of this plan.
| Basic Part D Premium: | $37.60 |
| Supplemental Part D Premium: | $0.00 |
| Total Part D Premium: | $37.60 |
| Part D Premium with Full LIS Assistance: | $0.00 |
| Part D Premium with 75% LIS Assistance: | $9.40 |
| Part D Premium with 50% LIS Assistance: | $18.80 |
| Part D Premium with 25% LIS Assistance: | $28.20 |
For more information about the Low-Income Subsidy (aka, "Extra Help") program, refer to the Social Security Extra Help page.
Prescription Drug Plan Deductible
The Medicare Part D annual deductible with this plan is $505.00. This is the amount you must pay at the pharmacy before Peoples Health begins paying its share.
Prescription Drug Plan Out-of-Pocket Costs
In addition to the plan's monthly premium and deductible, Peoples Health Secure Complete has copayments (a fixed dollar amount) and/or coinsurances (a percentage amount) that you must pay when you pick up your prescriptions. The following table shows you those costs.
| Tier | Preferred | Standard |
|---|---|---|
| $0 copay on all covered generic and brand-name prescriptions. | ||
Our Review & 2023 CMS Rating Marks
Each year the Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage D-SNP's in nine broad categories. MedicareWire does not recommend joining a plan with an overall rating of less than 3.0. (3 stars)
Here's why this private D-SNP plan exceeds most expectations. In MedicareWire's opinion, Peoples Health Secure Complete does an excellent job keeping its plan members healthy through its preventive care program with proactive screenings, tests, and vaccines. This plan is good at managing its member's chronic (long-term) health conditions. Overall, members say their experience with this Peoples Health D-SNP plan is excellent. Complaints and changes in plan performance are one way we can measure quality, and this plan scores good at both. The plan shines at customer service with an overall excellent mark on this important metric.
| CMS Measure | Star Rating |
|---|---|
| 2023 Overall Rating | |
| Staying Healthy: Screenings, Tests, Vaccines | |
| Managing Chronic (Long Term) Conditions | |
| Member Experience with Health Plan | |
| Complaints and Changes in Plans Performance | |
| Health Plan Customer Service | |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | |
| Member Experience with the Drug Plan | |
| Drug Safety and Accuracy of Drug Pricing |
How to Qualify to Enroll in
Peoples Health Secure Complete
To qualify for enrollment in Peoples Health Secure Complete in Washington Parish, you must be eligible for both Medicare and Medicaid. To be eligible for Medicare, you must be age 65 or older, or have Social Security Disability Insurance for 24 months. To be eligible for Medicaid, your income and assets must be at or below Louisiana's state thresholds.
Before enrolling in Peoples Health Secure Complete, or any other dual-eligible SNP, be sure to ask the following questions:
- What costs should I expect to pay out-of-pocket (premiums, deductibles, copayments)?
- Will I be able to use my doctors? Are they in the plan's network?
- Are the plan's in-network providers and facilities in convenient locations?
- Does the plan provide coverage for services I receive from out-of-network providers?
- Do I need a referral to see a specialist?
- Are my medications on the Part D plan's formulary? What if I can't afford my medications?
- What special accommodations does the plan make for persons with disabilities?
- Does the plan offer free meal delivery after a stay in the hospital?
- What help is offered for caregivers? Is adult day care covered?
- Does the plan offer a prepaid card for over the counter medications and covered groceries?
Additional D-SNP Plan Options
Here are some additional Medicare SNP plans that might be worth reviewing:
- Aetna Medicare Dual Select Plan
- Healthy Blue Dual Advantage
- HumanaChoice SNP-DE H5216-332
- Healthy Blue Enhanced Care
- Wellcare Dual Pinnacle Liberty
Contact Peoples Health
Call 1-855-728-0510 (TTY 711) to speak with a licensed insurance agent (Mon-Fri, 8am-9pm , Sat 8am-8pm EST) and learn more about this Special Needs Plan and other plans on this site. You may also Enroll Online using our safe and secure online enrollment website or take advantage of the following plan resources:
| Plan Website: | http://www.peopleshealth.com |
|---|---|
| Formulay Information: | http://www.peopleshealth.com/pharmacies |
| Pharmacy Information: | Peoples Health Pharmacy Page |
| Prospective Members: | (888)834-3721 |
| TTY Users: | (711)- |
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.
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.
Citations & References
- Peoples Health, http://www.peopleshealth.com, Last Accessed October 13, 2022
- Medicaid.gov, "Medicaid & CHIP in Louisiana", Last Accessed January 20, 2023
- CMS.gov, "Dual Eligible Special Needs Plans (D-SNPs)", Last Accessed January 20, 2023
- CMS.gov, Landscape Source Files, Last Accessed January 21, 2023
- CMS.gov, Medicare Part C & D Performance, Last Accessed January 21, 2023
- CMS.gov, Plan Benefits Package, Last Accessed January 21, 2023