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Healthy Living

Keep Your Plan or Choose a New One?

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Aetna, Anthem Blue Cross, Care1st, Blue Shield of California, HealthNet, Humana, Scan Health Plan, and AARP Medicare Complete insured through UnitedHealthcare

These plans are offered by private insurance companies that are contracted with the government to deliver your care. Your choice of Medicare Advantage Plans should be based on your individual medical needs and personal preferences. Here are some important things to compare:

Here are some important things to compare:

Expenses: How much are your premiums, deductibles or co-pays for doctor visits? What about hospital stays?

Your Treatments: What are your routine medical treatments?

Prescription Drug Costs: Does the plan cover prescription drugs? What will your prescription drugs cost under the plan?

Travel Coverage: All Medicare Advantage HMO plans cover you for emergency treatment out of the area. However, some have dollar limits when traveling out of the USA.

“Maximum Out-of-Pocket” limit: All HMO’s must include a yearly “Maximum Out-of-Pocket” limit or MOOP. This is the maximum amount that you would pay for medical costs in the calendar year. What is yours?

Watch for Your “Annual Notification of Change”
Any day now your Medicare Advantage Plan will send a big packet of information to your home. Pay close attention to the “Annual Notification of Change” letter that outlines how some of your benefits will have changed from 2015 to 2016. You may find an increase in co- pays for many services, including prescription drug costs.