Cigna-HealthSpring Advantage for Lauderdale, AL
|Part C Premium:|
|Part D Deductible:||$0.00|
|Residents of:||AL Residents|
|Plan Type:||Local HMO|
Medicare Advantage 2014 Plan Summary
Cigna-HealthSpring Advantage (H0150-012) is a Health Maintenance Organization (HMO) Medicare Advantage plan for beneficiaries who live in Lauderdale County, Alabama. It features the same coverage benefits as Original Medicare, for hospital and doctor coverage, and may also include prescription drug coverage and other extras. The benefit of an HMO plan like this one is that the out-of-pocket costs are lower and more predictable than with other types of plans private insurance or your Original Medicare.
With an HMO, you must use the network plan providers to avoid incurring additional costs. You are responsible for all out of network care costs. To see a specialist, you typically need a referral from your primary care physician.
The benefit data on this page is a summary, but not a comprehensive description of available benefits. Additional information about the plan benefits is available from your agent.
The monthly premium for this healthcare plan is $0.00 plus your monthly Medicare Part B premium. Most Medicare Beneficiaries pay the standard monthly Part B premium in addition to their MA or MAPD plan premium. However, some beneficiaries are required to pay slightly higher Part B and Part D premiums because of their income (over $85,000 per year for singles or $170,000 for married couples), or due to late enrollment penalties.
Summary of Benefits
NOTE: As of this publication date the Summary of Benefits information for this 2014 plan was not available from CMS. Please Contact an Agent and ask for the Summary of Benefits document.
Part D Plan Information
The Cigna-HealthSpring Advantage plan does not include prescription medication coverage.
Maximum Out of Pocket (MOOP) Benefit
The new Affordable Care Act (aka, ObamaCare) law placed a mandatory maximum limit of $6,700 on all out of pocket medical costs for 2014 Medicare Advantage plans, which is referred to as the Maximum Out of Pocket or MOOP. The MOOP does not include prescriptions and monthly premiums. The Mandatory MOOP is $6,700 but the Affordable Care Act allows for a “Voluntary MOOP” as low as $3,400. The MOOP with this health plan is $6,700
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