Care Improvement Plus Medicare Advantage is a Medicare Advantage PPO plan, with prescription coverage, available to seniors in Coke County, Texas. This 2018 year health plan is an alternative to Original Medicare (Parts A & B) and a standalone Part D plan. It may include additional benefits not provided by Original Medicare.
Why Consider a PPO Plan from Care Improvement Plus?
PPO plans, like Care Improvement Plus Medicare Advantage, give you the freedom to choose your own primary care physician, specialists and other providers. If you use providers in the plan's network your costs will be lower. But, unlike and HMO, you're not constrained.
IMPORTANT: Your annual out-of-pocket shared costs (e.g., co-payments and co-insurance) are capped with this plan. This protects you from excessive healthcare bills due to an accident, critical illness or chronic health conditions.
PPO Plan Features & Limitations
- Flexible provider network with coverage IN and OUT of network.
- Services are more cost effective within the network compared to higher overall fees out-of-network.
- Referrals are not required and emergencies are charged at in-network rates.
- "Pay as you go" design with co-payments or co-insurance at time of care.
- Plan is NOT transferable if you move out of the service area.
- Premiums and benefits are subject to change every January 1st.
These are the five areas of the plan that are important to compare and review:
- Premium: This is what you pay each month to be a plan member. The Medicare Advantage premium is not inclusive of your Medicare Part B premium, which you must continue to pay.
- Co-payment & Co-insurance: When you use most healthcare services you pay a portion of the cost out-of-pocket. It's important to understand what these shared costs will be before you join.
- Maximum-Out-Of-Pocket (MOOP): Medicare Advantage limits your annual shared costs. A plan's MOOP is the most you'll pay in a plan year before the plan pays 100%.
- Prescription Coverage: Prescriptions are costly. For this reason, it's important to evaluate how this plan will covers your medications (e.g., what you'll pay at the pharmacy).
- CMS 5-Star Ratings: Medicare evaluates all plans in 9 major areas. Have a good look, because it will help you understand how the plan will care for you.
Premiums and Deductibles
This plan's premium is $37.00 per month. The premium is inclusive of the Medicare Part D component for your prescriptions. Most healthcare services, except preventive care, also include shared costs (e.g., co-payments or co-insurances). Review the R6801-012 Summary of Benefits for details.
Be aware that the Medicare Part C component of this plan does not have a deductible, but the Part D component, for your prescriptions, does. The Part D deductible is $290.00 per year. That means you pay 100% of your prescription costs until you've spent $290.00, then the plan will begin paying it's share.
IMPORTANT: The premium and deductible are important, but they are just one piece of the cost puzzle. Be sure to look at the variable costs and apply them to the healthcare services you use most. This is the only way to determine if Care Improvement Plus Medicare Advantage is right for you.
NOTE: The plan's premium does not include Part B. You must continue to pay your monthly Medicare Part B premium.
Co-Payments & Co-Insurance (Shared Costs)
All Medicare Advantage plans include shared costs (co-payments and co-insurances) for inpatient, outpatient, transportation and emergency healthcare services. Understanding your shared costs is important, particularly if you have one or more chronic health conditions.
Preventative Care Shared Costs
As required by Medicare Part B, the following preventative healthcare services are covered at no cost to the member:
- Abdominal aortic aneurysm screening
- Alcohol misuse counseling
- Bone mass measurement
- Breast cancer screening (mammogram)
- Cardiovascular disease (behavioral therapy)
- Cardiovascular screenings
- Cervical and vaginal cancer screening
- Colorectal cancer screenings
- Depression screening
- Diabetes screenings
- HIV screening
- Medical nutrition therapy services
- Obesity screening and counseling
- Prostate cancer screenings (PSA)
- Sexually transmitted infections screening and counseling
- Tobacco use cessation counseling
- Vaccines including Flu shots Hepatitis B shots Pneumococcal shots
- "Welcome to Medicare" preventive visit
- Yearly "Wellness" visit
NOTE: Any additional preventative health services approved by Medicare during the plan year will also be covered at no cost.
Outpatient Shared Costs
All outpatient health services, covered under the Medicare Part B component of this plan, have shared costs as follows:
|Primary Care Doctor:||$15 co-payment|
|Physician Specialist:||$45 co-payment|
|Occupational Therapist:||$40 co-payment|
|Physical Therapist:||$40 co-payment|
|Speech Terapist:||$40 co-payment|
Lab and Diagnostic Shared Costs
Lab and diagnostic services covered by this plan have the following shared costs:
|Medicare-covered Diagnostic Procedures/Tests:||20% co-insurance|
|Medicare-covered Lab Services:||You pay nothing|
|Medicare-covered Diagnostic Radiological Services:|
|Medicare-covered Therapeutic Radiological Services|
|Medicare-covered X-Ray Services||You pay nothing|
Emergency and Urgent Care Shared Costs
Emergency and urgent care services are Medicare Part B benefits and have shared costs. Some plans cover these shared costs if you become an inpatient within a specified period of time. Here are the shared costs with this plan:
|Urgent Care:||$30 to $40 co-payment|
|Emergency Care:||$80 co-payment |
Co-payment waived if admitted within 24 Hours
NOTE: Plans are not required to offer worldwide emergency care.
Inpatient Shared Costs
Shared costs on inpatient services (e.g., when admitted into a hospital or skilled nursing facility) are based on benefit periods. A benefit period starts when you are admitted and ends after you are no longer in an inpatient status for 60 consecutive days.
With each benefit period you pay a deductible, as permitted under Medicare Part A. There are no limits on the number of benefit periods. Here are the shared inpatient costs with this plan:
- Day 1 to 4: $395
- Day 5 to 90: $0
Hospice Shared Costs
You pay nothing. Hospice is covered in full if you use a Medicare-approved (certified) hospice facility. You may have some shared costs for drugs and respite care.
Medicare Part D Coverage (Rx)
Care Improvement Plus Medicare Advantage includes Medicare Part D coverage for prescriptions. If you have regular prescriptions, be sure to look up your medications in the plan's formulary.
In addition to the monthly premium and deductible, the Part D component of this plan has shared costs. You'll pay these when you pickup your medications at the pharmacy. Here are the plan's tiered shared costs:
Maximum Out-of-Pocket Limit
One of the most important features of Medicare Advantage is the annual Maximum Out-of-Pocket (MOOP) limit. This is the safety net that ensures your shared costs (co-payments and co-insurance) won't bankrupt you.
The Care Improvement Plus Medicare Advantage MOOP is $6,700 . If you spend more than this amount on your co-payments and co-insurance in this plan year, you'll pay no more towards your Medicare Part A and Part B healthcare services for the remainder of the year.
CMS allows plans to set MOOP at a voluntary level of $0 to $3,400 (in-network) or a at a mandatory level of $3,401 to $6,700 (in-network). For combined in- and out-of-network totals, MOOP can be up to $10,000.
NOTE: MOOP applies to Medicare Part C shared costs only. It does not include premiums or Part D (precscription costs).
IMPORTANT: It's important to calculate and compare annual premiums, shared costs and the MOOP with the cost of a Texas Medicare Supplement. Some Medicare Supplements offer shared costs with an annual cap that's much lower than $6,700 per year.
Confused by this? If you're not sure if a particular Medicare Advantage plan offers as much coverage as a Medigap plan, or how MOOP factors in, speak with a Medicare Adviser.
CMS 5-Star Ratings
Below are the CMS quality rating for this Care Improvement Plus plan. CMS rates health plans (Part C) in five broad categories. The prescription component (Part D) has its own rating, covered in four broad categories. We advise against enrolling in a plan with an overall score less than 3.0 stars.
|2018 Overall Rating|
|Part C Summary Rating|
|Part D Summary Rating|
|Staying Healthy: Screenings, Tests, Vaccines|
|Managing Chronic (Long Term) Conditions|
|Member Experience with Health Plan|
|Complaints and Changes in Plans Performance|
|Health Plan Customer Service|
|Drug Plan Customer Service|
|Complaints and Changes in the Drug Plan|
|Member Experience with the Drug Plan|
|Drug Safety and Accuracy of Drug Pricing|
Contact Care Improvement Plus
For more information about this plan, call their prospective members line, or visit their website:
For assistance 24 hours a day, call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048 or visit www.medicare.gov
Medicare Advantage Availability
Care Improvement Plus Medicare Advantage is available to residents of Bronte, Robert Lee, Silver, Tennyson, and all other areas of Coke County, Texas, with Medicare Benefits.
The Medicare Advantage plan data on MedicareNavigators.com comes from CMS.gov Landscape Source files and is subject to change. The Centers for Medicare and Medicaid Services has neither reviewed nor endorsed the information on this site. This web page was last reviewed and updated on .
This page is a brief summary of the plan benefits, not a complete description and is not intended to be a substitute for professional legal, health, or financial advice. Limitations, co-payments and/or co-insurance, and restrictions may apply. For complete details contact the plan at (800)555-5757 or (711)- for TTY users.
Medicare Requirements: You must live in the service area and have both Medicare Part A and Medicare Part B in order to enroll in a Medicare Advantage plan, and you must continue to pay your Medicare Part B premium.
Enrollment Period: Members may enroll in a Medicare plan only during specific times of the year, or around specific events or changes in individual circumstances as defined by Medicare. Co-payment, service area, and benefit limitations may apply.
HMO Provider Network: If you enroll in a plan with a closed provider network you must use the plan's providers, except in emergency or urgent care situations or for out-of-area renal dialysis or other services. If you obtain routine care from out-of-network providers, you are responsible for the costs.
PPO Out-of-Network and Non-Contract Providers: Out-of-network/non-contracted providers are under no obligation to treat members, except in emergency situations. For a decision about whether a PPO plan will cover an out-of-network service, ask for a pre-service organization determination before you receive the service.
Medicare Advantage PPO, Cost, and Point of Sale plans: If you enroll in a plan that has a network, but allows you to see providers outside that network, services may cost more, with the exception of emergencies or urgent care.
Pharmacy Network: For any plan that includes Part D benefits, you must use network pharmacies to access drug benefit, except in non-routine circumstances. Restrictions may apply.
Annual Plan Changes: Benefits, formulary, pharmacy network, premium, and/or co-payments/co-insurance may change January 1, of each year.
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