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 Absolute Total Care are allowed to offer a voluntary MOOP as low as $3,400.The Absolute Total Care Medicare Advantage plan MOOP is N/A. 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 N/A, 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 Absolute Total Care Medicare Advantage plan is new and has not yet been rated by CMS. This is why the plan's rating is listed as out of 5 stars (as of 15 October, 2015).
Compare Medicare Advantage Plans
Compare Absolute Total Care with these top rated Medicare Advantage Plans available in Beaufort County:
- Care Improvement Plus Medicare Advantage
- AARP MedicareComplete
- AARP MedicareComplete Essential
- HumanaChoice R3392-001
- HumanaChoice R3392-002
Absolute Total Care Availability
Absolute Total Care is available in Parris Island, Bluffton, Seabrook, Lobeco, Hilton Head Island, Dale, Port Royal, Beaufort, Okatie, Daufuskie Island, Sheldon, Saint Helena Island, and all other locations in Beaufort County.
For more information, see Medicare Part C Plans in Beaufort County, SC.