Phoenix Advantage Select (H5985-005), 2016 Health Maintenance Organization Medicare Advantage Plan, Mohave County, AZ by Phoenix Health Plans.
Phoenix Advantage Select is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Mohave County, Arizona. 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 $39.00.
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
By law, private Medicare health insurance has an annual maximum out-of-pocket (MOOP) limit that helps protect you from financial disaster. The MOOP limit in 2016 is $6,700, but plans are allowed to have a MOOP as low as $3,400.
The most you will pay out-of-pocket, if you enroll in the Phoenix Advantage Select Medicare Advantage plan, is $4,750. This figure does not include your monthly premiums or your Medicare Part D coverage for prescriptions. This is what you pay out-of-pocket on co-payments and co-insurance.Be sure to compare the co-payments and co-insurance with traditional Medicare, but be aware that there are no out-of-pocket limits with Medicare Parts A and B. With Original Medicare you must buy supplemental insurance to cover the gaps or pay out-of-pocket.
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 Phoenix Advantage Select Medicare Advantage plan has received a Below Average (as of 15 October, 2015).out of 5 star average rating. Overall, CMS considers this plan to be
Compare Medicare Advantage Plans
Compare Phoenix Advantage Select with these top rated Medicare Advantage Plans available in Mohave County:
- Humana Gold Plus H2649-033
- Humana Gold Plus H2649-039
- Humana Gold Choice H8145-103
- HumanaChoice H6609-135
- HumanaChoice R5826-014
Phoenix Advantage Select Availability
Phoenix Advantage Select is available in Oatman, Wikieup, Topock, Fort Mohave, Mohave Valley, Peach Springs, Colorado City, Dolan Springs, Littlefield, Valentine, Meadview, Bullhead City, Hualapai, Hackberry, Willow Beach, Golden Valley, Kingman, Temple Bar Marina, Lake Havasu City, Yucca, Chloride, and all other locations in Mohave County.