UnitedHealthcare MedicareComplete Essential (H0755-032), 2016 Health Maintenance Organization Medicare Advantage Plan, Litchfield County, CT by UnitedHealthcare.
UnitedHealthcare MedicareComplete Essential is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Litchfield County, Connecticut. It includes all of the benefits of Original Medicare and may include prescription drug coverage and other extras. The primary benefit of an HMO is that the out-of-pocket costs are lower and more predictable than with other types of plans. The monthly premium is $0.00.
Please note: You must use plan providers to avoid incurring additional costs. You will be responsible for the costs of out of network care. Referrals may be required for all but primary care physician visits.
Maximum Out-of-Pocket (MOOP) Expense
All Medicare Advantage plans have a maximum out-of-pocket (MOOP) limit of $6,700. This is mandated by law. However, plans like UnitedHealthcare MedicareComplete Essential are allowed to offer a voluntary MOOP as low as $3,400.The UnitedHealthcare MedicareComplete Essential Medicare Advantage plan MOOP is $6,000. This figure does not include your monthly premium or the cost of your prescriptions (Part D Coverage).
What this means is that as soon as your copayments and coinsurance for doctor visits and hospital care reaches $6,000, you will no longer pay copayment or coinsurance for the remainder of the year. This is your guarantee that a critical illness or serious accident will protect you from financial liability. It's just as important as the premiums and the co-payments.When comparing Medicare Advantage plans with traditional Medicare, don't forget that you pay about twenty percent of all covered expenses, but there's no limit. That means you have a lot of risk unless you purchase a Medicare supplement policy to cover the gap.
CMS 5-Star Rating
After its first year on the market, each Medicare Advantage plan receives a one to five star rating from the Centers for Medicare and Medicaid Services (CMS). The relative quality assessment of health insurance by CMS assists people who are considering enrollment. Plans with five stars represent the highest quality, whereas a one star plan has the worst quality.
The UnitedHealthcare MedicareComplete Essential Medicare Advantage plan has received a Above Average (as of 15 October, 2015).out of 5 star average rating. Overall, CMS considers this plan to be
Compare Medicare Advantage Plans
Compare UnitedHealthcare MedicareComplete Essential with these top rated Medicare Advantage Plans available in Litchfield County:
- AARP MedicareComplete Choice
- Aetna Medicare Elite Plan
- UnitedHealthcare MedicareComplete Plan 1
- UnitedHealthcare MedicareComplete Plan 2
- UnitedHealthcare MedicareComplete Plan 3
UnitedHealthcare MedicareComplete Essential Availability
UnitedHealthcare MedicareComplete Essential is available in Taconic, Harwinton, Pequabuck, Falls Village, Washington, Morris, East Canaan, Watertown, Thomaston, Litchfield, Plymouth, New Hartford, Norfolk, Salisbury, Bantam, Barkhamsted, Goshen, Winchester Center, Canaan, Gaylordsville, New Milford, Lakeville, New Preston Marble Dale, Torrington, Terryville, Bethlehem, Roxbury, Kent, Cornwall Bridge, Woodbury, Oakville, Bridgewater, Pine Meadow, Colebrook, Riverton, Cornwall, West Cornwall, Sharon, Lakeside, South Kent, Winsted, Northfield, Washington Depot, and all other locations in Litchfield County.
For more information, see Medicare Part C Plans in Litchfield County, CT.