Your guide to choosing the right Medicare for 2014

October 8, 2013 

20130430 Rising costs

300 dpi Jeff Goertzen illustration of people being pulled aloft by balloons labeled with a caduceus; can be used with stories about rising health care costs. (Orange County Register/MCT)

GOERTZEN — MCT

Here is a list of most of the insurance coverage available in Manatee County.

Prescription Drug Plans With Original Medicare

AARP MedicareRx Enhanced

Monthly premium: $98.90

Deductible: $0

Gap coverage: Some generics and some brands

Drug co-pay/co-insurance: $70/33%

Information: 888-867-5575

AARP MedicareRx Preferred

Monthly premium: $46.10

Deductible: $0

Gap coverage: No

Drug co-pay/co-insurance: $4-$85/33%

Information: 888-867-5575

AARP MedicareRx Saver Plus

Monthly premium:

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $1-$45/25%

Information: 888-867-5575

Aetna/CVS Pharmacy

Monthly premium: $75.00

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $1-$95/25%

Information: 877-238-6211

Aetna Medicare Rx Premier

Monthly premium: $119.60

Deductible: $0

Gap coverage: Few generics

Drug co-pay/co-insurance: $2-$5/25%-45%

Information: 877-238-6211

BlueMedicare Rx Option 1

Monthly premium: $47.90

Deductible: $0

Gap coverage: No

Drug co-pay/co-insurance: $8-$94/33%

Information: 800-926-6565

BlueMedicare Rx Option 2

Monthly premium: $174.70

Deductible: $0

Gap coverage: Many generics

Drug co-pay/co-insurance: $3-$94/33%

Information: 800-926-6565

Cigna Medicare Rx Secure

Monthly premium: $59.10

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $0-$9 1/25%

Information: 800-222-6700

Cigna-HealthSpring Rx

Monthly premium: $75.80

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: 25%

Information: 800-222-6700

Envision RxPlus Silver

Monthly premium: $66.30

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $10-$45, 25-45%

Information: 866-250-2005

Express Scripts Medicare -- Choice

Monthly premium: $78.80

Deductible: $0

Gap coverage: No

Drug co-pay/co-insurance: $2-$90/33%

Information: 877-429-8414

Express Scripts Medicare -- Value

Monthly premium: $68.70

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $2-$7/25-50%

Information: 877-429-8414

First Health Part D Essentials

Monthly premium: $60.60

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $ 1/25-44%

Information: 866-865-0662

First Health Part D Premier Plus

Monthly premium: $97.80

Deductible: $0

Gap coverage: Some generics and some brands

Drug co-pay/co-insurance: $1-$25/25-43%

Information: 866-865-0662

First Health Part D Value Plus

Monthly premium: $51.20

Deductible: $0

Gap coverage: No

Drug co-pay/co-insurance: $3-$88/33%

Information: 866-865-0662

Health First Basic Plan

Monthly premium: $69.40

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $0-$ 1/25-50%

Information: 855-737-4347

HealthMarkets Value Rx

Monthly premium: $30.30

Deductible: $310

Gap coverage: Some generics and some brands

Drug co-pay/co-insurance: $0-$2/25%-40%

Information: 888-625-5531

Humana Preferred Rx Plan

Monthly premium: $21.80

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $1-$2/20-35%

Information: 800-281-6918

Humana Enhanced

Monthly premium: $49.50

Deductible: $0

Gap coverage: No

Drug co-pay/co-insurance: $2-$92/33%

Information: 800-281-6918

Humana Walmart Rx Plan

Monthly premium: $12.60

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $1-$4/20-39%

Information: 800-281-6918

MedicareRx Rewards Plus

Monthly premium: $81.50

Deductible: $0

Gap coverage: Some generics

Drug co-pay/co-insurance: $1-$90/33%

Information: 800-928-6201

MedicareRx Rewards Standard

Monthly premium: $51.10

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $1-$95/25%

Information: 800-928-6201

United American Select

Monthly premium: $36.60

Deductible: $310

Gap coverage: No

Drug co-pay/co-insurance: $1-$95/25%

Information: 877-577-3874

United American Enhanced

Monthly premium: $71.20

Deductible: $80

Gap coverage: No

Drug co-pay/co-insurance: $1-$95/30%

Information: 877-577-3874

WellCare Classic

Monthly premium: $22.40

Deductible: $0

Gap coverage: No

Drug co-pay/co-insurance: $0-$90/33%

Information: 866-765-4385

WellCare Extra

Monthly premium: $45.90

Deductible: $0

Gap coverage: No

Drug co-pay/co-insurance: $0-$68/33%

Information: 866-765-4385

MEDICARE ADVANTAGE PLANS WITH DRUG COVERAGE

AARP Medicare Complete

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $5,900 in-network

Gap coverage: No

Deductible -- drug plan/health plan: $0/$0

Drug co-pay/co-insurance: $4-$95/33%

AARP Medicare Complete Choice Plan 2

Type: Regional PPO

Monthly premium: $0

Doctor Choice: Any doctors

Out-of-pocket spending limit: $6,700 in-network; $10,000 out-of-network

Gap coverage: No

Deductible -- drug plan/health plan: $0/$0

Drug co-pay/co-insurance: $4-$95/33%

Aetna Medicare Premier Plan

Type: PPO

Monthly premium: $33

Doctor Choice: Any doctors

Out-of-pocket spending limit: $6,700 in-network; $10,000 in- and out-of-network

Gap coverage: No

Deductible -- drug plan/health plan: $0/$500

Drug co-pay/co-insurance: $7-$95/33%

Aetna Medicare Select Plan

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $4,900 in-network

Gap coverage: No

Deductible -- drug plan/health plan: $0/$0

Drug co-pay/co-insurance: $7-$95/33%

Aetna Medicare Value Plan

Type: HMO

Monthly premium: $31.90 drug/$5.10 health

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $4,900 in-network

Gap coverage: No

Deductible -- drug plan/health plan: $310/$0

Drug co-pay/co-insurance: $0-$95/25%

Be Healthy America

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $3400 in-network

Gap coverage: Some generics

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $0-$55/33%

BlueMedicare HMO PrimeTime

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $3,400 in-network

Gap coverage: No

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $2-$90/33%

BlueMedicare HMO LifeTime

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $4,900 in-network

Gap coverage: No

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $0-$80/33%

BlueMedicare PPO

Type: PPO

Monthly premium: drug $56.30, health $70.70

Doctor Choice: Any doctor

Out-of-pocket spending limit: $3,200 in-network; $10,000 out-of-network; $10,000 in- and out-of-network

Gap coverage: Many generics

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $0-$80/33%

BlueMedicare Regional PPO

Type: Regional PPO

Monthly premium: drug/health $0

Doctor Choice: Any doctor

Out-of-pocket spending limit: $6,700 in-network; $10,000 out-of-network; $10,000 in- and out-of-network

Gap coverage: Many generics

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $10-$95/25%

Freedom Medicare Plan Rx

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $3400 in-network

Gap coverage: Many generics

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $0-$80/33%

Freedom Savings Plan Rx

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $3,400 in-network

Gap coverage: No

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $0-$95/33%

Humana Gold Choice H8145-061

Type: PFFS

Monthly premium: drug $45.90 health $57.10

Doctor Choice: Any willing doctor

Out-of-pocket spending limit: $6,700 in- and out-of-network

Gap coverage: Few generics and few brands

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $6-$95/33%

Humana Gold Plus H1036-141

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $5,000 in-network

Gap coverage: Few generics and few brands

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $0-$60/33%

Humana Gold Plus H1036-074

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $3,400 in-network

Gap coverage: Some generics and few brands

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $0-$60/33%

HumanaChoice R5826-005

Type: Regional PPO

Monthly premium: drug $36.60, health $55.40

Doctor Choice: Any doctor

Out-of-pocket spending limit: $5,700 in-network; $8,900 in- and out-of-network

Gap coverage: Few generics and few brands

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $6-$95/29%

Preferred Secure Option

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $6,700 in-network

Gap coverage: No

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $6-$95, 33%

WellCare Dividend

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $6,700 in-network

Gap coverage: No

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $3-$75/33%

WellCare Value

Type: HMO

Monthly premium: $0

Doctor Choice: Plan doctors only

Out-of-pocket spending limit: $6,700 in-network

Gap coverage: No

Deductible -- drug plan/health plan: $0

Drug co-pay/co-insurance: $0-$79/33%

-- Information provided by www.medicare.gov

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