Cochise County Medicare Advantage Plans
- Read about Medicare Advantage plans and how they work. You'll also learn the costs of these plans in Cochise County, including the average premiums per month.
The federal government's Original Medicare program is limited to medically necessary expenses such as hospital stays, doctor's visits and lab screenings. If you want additional health coverage — such as vision, dental, fitness and prescription drugs — you can choose a private Medicare Advantage Prescription Drug (MAPD) plan. There are 10,838 Cochise County residents enrolled in MAPD plans, with 12 plans to choose from in 2021. According to Medicare's rating system, 14% of MAPD plans in the county are high performing, earning four- or five-star ratings.
Average Cost of Medicare Advantage Plans in Cochise County
A Medicare Advantage plan covers some, but not all, of your health care expenses. You must still pay:
- Premiums. This is the monthly fee that keeps your coverage active. The average monthly premium for a Medicare Advantage plan in Cochise County is $23.01.
- Annual drug deductible. You must pay a certain amount for prescriptions before your plan begins to pay. The average annual drug deductible is $299.38.
- Out-of-pocket costs. MAPD plans cap how much you pay for services within a plan's network. The out-of-pocket cap for in-network services in Cochise County is $5,345.83. After you reach this limit, all of your costs are covered by the plan.
Learn More About Medicare Advantage Prescription Drug Plans
Medicare Advantage plans offer you a choice in how your health care is delivered. Here are the four main types of plans:
- Health Maintenance Organization (HMO): With this type of plan, you have a primary care doctor who is part of the HMO's network. The doctor coordinates your care and recommends when a specialist is needed. You must use health care providers that are part of the network.
- Private Fee-for-Service (PFFS): PFFS plans let you see any health care provider that you wish, but it's up to you to confirm they accept the plan's fee before you get treatment. A provider may accept a PFFS plan for some services and not others.
- Preferred Provider Organization (PPO): You have the flexibility to manage your own health care with a PPO. The plan doesn't require you to choose a primary care doctor, and you can see a specialist if you wish. Your costs are lower if you use one of the plan's preferred providers.
- Special Needs Plan (SNP): SNPs provide benefits that meet the needs of those with specific illnesses. You may qualify for an SNP if you have a condition such as diabetes, cardiovascular disease, HIV/AIDS or chronic liver disease.
Some people opt for health care through the federal government's Original Medicare program, but this doesn't include prescription drug coverage. If you aren't enrolled in an MAPD plan, you need to purchase a separate Prescription Drug Plan (Part D) for help paying for medication. You won't get additional benefits such as fitness, vision, hearing and dental.