Mohave County Medicare Advantage Plans

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  • Medicare Advantage plans are all-in-one alternatives to Original Medicare, also called “Part C” plans, that include extra benefits such as dental and vision.

Medicare Advantage, also known as Medicare Part C or “MA Plans” are designed to provide Medicare Part A (hospital insurance) and Part B (medical insurance) enrollees an alternative to Original Medicare. Medicare Advantage plans are offered by private insurance companies and include the same level of coverage plus extra benefits such as dental and vision. 

A Medicare Advantage Prescription Drug (MAPD) plan includes prescription drug benefits and is also known as Medicare Part D. Enrollees can join a separate MAPD plan if they have a Medical Savings Account or Private Fee-for-Service package that doesn’t offer drug coverage. 

MAPD Part D offers all the coverage of Original Medicare Parts A and B. There are 18 MAPD plans in Mohave County, and 24,185 enrollees who use the benefit. 

Average Cost of Medicare Advantage Plans in Mohave County

In 2021, the average monthly Medicare Advantage plan premium in Mohave County is around $27 per month. The average drug prescription deductible — the amount for the drug coverage portion of Medicare Advantage Prescription Drug Plans — is about $259 for the year. In Mohave County, the typical in-network out-of-pocket spending is about $5,591, and 55% of the plans are rated 4 stars or higher by Medicare. 

This maximum refers to the average limit participants in Mohave County are responsible for covering for in-network care in a year before their plan covers everything 100%.

Learn More About Medicare Advantage Prescription Drug Plans

There are numerous Medicare plans to choose from: Health Maintenance Organization (HMO), Medicare Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS) and Special Needs Plans (SNPs). 

  • Health Maintenance Organization (HMO): With these plans, enrollees typically receive care and services from providers in the plan’s network, except for emergency care, out-of-area urgent care and out-of-area dialysis. Prescription drugs are generally covered in HMO plans under Medicare Part D. 

  • Preferred Provider Organization (PPO): This is a type of Medicare Advantage plan (Part C) offered by private insurers that allows you to get your health care from any doctor, hospital or medical center. Prescription drug benefits are typically covered under these types of plans under Medicare Part D. 

  • Private Fee-for-Service (PFFS): Similar to the PPO, this type of plan is also offered by private insurers and allows you to see any provider that accepts it. This plan is not the same as Original Medicare.

  • Special Needs Plans: This is a type of medical plan similar to an HMO or PPO; however, members have specific medical conditions. 

Medicare is a federally funded health insurance program that provides medical coverage for U.S. citizens aged 65 and older. More than 45 million older adults depend on the Medicare Advantage Prescription Drug plan for all or part of their prescription drug costs. A standalone Part D plan offers prescription drug coverage to enrollees in combination with original Medicare. It can also be a Medicare Advantage plan, such as an HMO or PPO, that offers a prescription drug benefit.