Greenlee County Medicare Advantage Plans
- Compare Medicare Advantage plans in Greenlee County using information about average monthly premiums, annual drug deductibles and out-of-pocket maximums.
While expenses such as hospital stays, surgeries and doctors' visits are covered through Original Medicare, there are many other health care costs you may incur. Some people join a Medicare Advantage Prescription Drug plan (MAPD) for broader coverage that may include vision, dental, hearing, fitness programs and prescription drugs. Private insurers offer 10 MAPD plans in Greenlee County in 2021, with 235 residents enrolled in the service area.
Average Cost of Medicare Advantage Plans in Greenlee County
The cost of your health care depends on your personal needs and the plan's terms regarding cost-sharing, premiums and deductibles.
- Premiums are fees you pay each month to be part of a plan. The average premium for a Medicare Advantage plan in Greenlee County is $17.24 per month. Some plans have high premiums but may offset these upfront costs with lower deductibles or copays.
- The average annual drug deductible for plans in the county is $348.00. You must pay for your prescriptions until you reach the plan's drug deductible. After this, your insurer begins to pay its share.
- The average in-network out-of-pocket spending maximum is $4,665.00. Your plan tracks how much you pay for deductibles, coinsurance and copays within its network. Once you've reached the out-of-pocket spending cap, the plan pays for all of your additional health care costs.
Learn More About Medicare Advantage Prescription Drug Plans
Private insurance companies have flexibility in how they deliver Medicare coverage. Here are the types of plans you may come across.
- Health Maintenance Organization (HMO) plans are the most common and provide care through a network of providers. You must use the doctors, hospitals and health care facilities within the plan's network to have your expenses covered.
- Preferred Provider Organization (PPO) plans are the second most common plan. They have preferred providers for your health care services, but you can also use other providers. Your eligible services are covered either way, but it's more costly to go outside of the network.
- Private Fee-for-Service (PFFS) plans set the fee it pays health care providers and the amount you pay when you receive the service. Although some plans may have a network, you're free to choose any health care provider that recognizes the plan.
- Special Needs Plans (SNPs) are personalized to meet the specific health care needs of individuals with chronic conditions. These may include diabetes mellitus, lung disorders, cardiovascular disease and stroke.
Original Medicare doesn't include prescription drug coverage. If you choose to enroll in the federal government's plan instead of an MAPD plan, keep in mind that you may pay a late enrollment penalty if you sign up for drug coverage after you're first eligible. You may want to consider a Part D prescription drug plan, which is a standalone plan that pays for medication and supplements your traditional Medicare plan.