2015 Medicare Advantage Plans in Cortland County New York


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2015 Medicare Advantage Plans in Cortland County New York

There are 21 Medicare Advantage Plans available in Cortland County NY from 7 health insurance providers and 2 Special Needs Plans available. 4 Advantage plans offer additional gap coverage. The plan with the lowest out of pocket expense is $4000 and the highest out of pocket is $6700. The highest rated plan available in Cortland County received a 4.5 overall star rating from CMS and the lowest rated plan is 3.5 stars.

(Click the Plan Name for More Details)

Plan Name Type Premium
C+D
Part D
Deductible
 Gap  Max Out of
Pocket
Overall Rating Formulary
Return to Counties In New York
ActiveSaver MSA (MSA)
(H9788-003)
MSA * N/A NA
BasiCare with Part D (PPO)
(H9615-008)
Local PPO $49.70 $320.00 No $4,000 Browse
Formulary
Fidelis Medicare $0 Premium (HMO)
(H3328-019)
Local HMO $0.00 $0.00 No $6,700 Browse
Formulary
Fidelis Medicare Advantage Flex (HMO-POS)
(H3328-003)
Local HMO $36.90 $240.00 No $6,700 Browse
Formulary
Fidelis Medicare Advantage without Rx (HMO-POS)
(H3328-001)
Local HMO * $0.00 $6,700
Gold PPO with Part D (PPO)
(H9615-007)
Local PPO $122.60 $0.00 Yes $4,000 Browse
Formulary
GoldValue with Part D (HMO-POS)
(H9859-013)
Local HMO $103.60 $0.00 Yes $6,000 Browse
Formulary
HumanaChoice H5970-001 (PPO)
(H5970-001)
Local PPO $32.00 $320.00 No $6,700 Browse
Formulary
HumanaChoice H5970-004 (PPO)
(H5970-004)
Local PPO $163.00 $320.00 Yes $6,700 Browse
Formulary
Medicare BlueBasic PPO (PPO)
(H3335-043)
Local PPO * $65.00 $5,200
Medicare BlueClassic PPO (PPO)
(H3335-038)
Local PPO $18.00 $0.00 No $6,000 Browse
Formulary
Medicare BlueEnhanced PPO (PPO)
(H3335-015)
Local PPO $133.00 $0.00 No $4,500 Browse
Formulary
Medicare BlueSecure PPO (PPO)
(H3335-014)
Local PPO $93.00 $0.00 No $5,200 Browse
Formulary
Preferred Gold with Part D (HMO-POS)
(H9859-002)
Local HMO $167.40 $0.00 Yes $4,500 Browse
Formulary
Preferred Gold without Part D (HMO-POS)
(H9859-001)
Local HMO * $47.40 $4,500
Today's Options Premier 100 (PFFS)
(H2816-001)
PFFS * $25.00 N/A
Today's Options Premier 200 (PFFS)
(H2816-007)
PFFS * $0.00 $4,400
Today's Options Premier Plus 150A (PFFS)
(H2816-013)
PFFS $85.00 $0.00 No N/A Browse
Formulary
Today's Options Premier Plus 350B (PFFS)
(H2816-019)
PFFS $34.00 $0.00 No N/A Browse
Formulary
UnitedHealthcare MedicareComplete Choice (Regional PPO)
(R5342-001)
Regional PPO $0.00 $225.00 No $6,700 Browse
Formulary
UnitedHealthcare MedicareComplete Choice Essential (Regio
(R5342-002)
Regional PPO * $0.00 $6,700

* Plan Type Indicates plan does not offer Part D drug coverage.



Medicare Special Needs Plans in Cortland county New York

Plan Name Consolidated
Premium C+D
Part D
Deductible
 Gap  Special Needs
Type
Overall Rating Formulary
Fidelis Dual Advantage (HMO SNP)
(H3328- 002)
   $33.10 $320.00  No Dual-EligibleBrowse
Formulary
Fidelis Dual Advantage Flex (HMO SNP)
(H3328- 017)
   $35.40 $320.00  Yes Dual-EligibleBrowse
Formulary


Source: CMS.

Plans as of September 2, 2014.

Plans are subject to change as contracts are finalized.

Includes 2015 approved contracts/plans. Employer sponsored 800 series plans and plans under sanction are excluded. For 2015, enhanced alternative plans may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part D benefit.



Plan Type Is the type of organization offering the Medicare Plans.

  • HMO - Health Maintenance Organization
  • PPO - Preferred Provider Organization
  • PDP - Prescription Drug Plan
  • SNP - Special Needs Plan
  • POS - Point of Service
  • PFFS - Private Fee For Service

Monthly Consolidated Premium (Includes Part C + D) Your premium may be lower depending on your eligibility for medical assistance. Call your plan for details.

Part D Total Premium: The Part D Total Premium is the sum of the Basic and Supplemental Premiums. Note: the Part D Total Premium is net of any Part A/B rebates applied to "buy down" the drug premium for Medicare Advantage plans; for some plans the total premium may be lower than the sum of the basic and supplemental premiums due to negative basic or supplemental premiums.

Benefit Type

Enhanced Alternative plans may offer additional gap coverage which is calculated as the percentage of “generic” formulary products with coverage above standard "generic" coverage gap cost-sharing benefit and/or the percentage of “brand” formulary products covered in addition to the coverage gap discount for applicable drugs.

GAP

In 2015 once you and your plan provider have spent $2,960 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") Once you reach the coverage gap you will pay 45% of the plan's cost for covered brand-name prescription drugs unless your plan offers additional coverage. You will still receive a 55% discount on brand-name drugs and a 35% discount on generic drugs.

Maximum Out-of-Pocket (MOOP) limit on enrollee spending that includes costs for all in-network Part A and Part B Services. NOT Part D - prescription drugs. N/A is defined as Not Applicable

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