2014 AARP United Healthcare Medicare Advantage Plans:

2014 AARP United Healthcare Medicare Advantage Plans

 

What are Medicare Advantage Plans?

Medicare Advantage (MA) Plans are health plan options approved by Medicare and offered by private insurance companies that are contracted by the federal government (the Centers for Medicare & Medicaid Services, or CMS). These plans are part of Medicare and are also called Part C or MA Plans. Medicare Advantage Plans provide Medicare hospital and medical coverage (Part A and Part B) and usually Medicare prescription drug coverage (Part D). They are not supplemental insurance (i.e. Medicare Supplement Plans). Medicare Advantage (Part C) Plans must provide benefits equivalent to Original Medicare, but most plans also offer additional benefits as well. These additional benefits may vary by plan.

Medicare pays a fixed amount for care every month to the companies offering Medicare Advantage Plans. These companies must follow rules and regulations set by CMS when administering Medicare Advantage Plans

 

HMO & PPO Plan Description

HMO   Plans

  • Feature single card convenience
  • Include plans starting at $0 monthly plan premiums
  • Provide additional benefits and services not covered        by Original Medicare
  • Many plans include Medicare prescription drug        coverage (Part D)
  • Provide access to a local contracted network of        doctors
  • Some plans do not require a referral to see a        specialist
  • Coverage for many preventive services for a $0        copayment, including an annual routine physical
  • Worldwide coverage for emergency care

 

POS   Plans

Point of Service plans are HMO   plans that also offer members the ability to:

  • Visit doctors outside their network for certain        services, typically for higher copayment/coinsurance
  • Access providers without referrals, in many plans

 

PPO   Plans

PPO plans offer the benefits of an   HMO plan as well as these additional key features:

  • Freedom to receive care from provider of choice,        inside or outside the network
  • No provider referrals are ever needed
  • Allows the member to maximize their benefit when they        receive care inside the plan’s network of providers. Going outside the        network for covered services generally costs more money.

United Healthcare also offers many   HMO, PPO and POS plans to fit the consumer’s specific needs.

 

Call Senior Healthcare Direct today to review all of the 2014 Medicare Advantage Plans: 1-855-368-4717 OR Go to: http://SrHealthcareDirect.com/quoting-engine-2/

 

Robert W. Bache aka “MedicareBob”

President / Producer

Senior Healthcare Direct

Direct Toll Free: 1-800-525-0299

Company Toll Free: 1-855-368-4717

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