2016 AARP MedicareComplete Choice Essential (Regional PPO) R5287-002 By UnitedHealthcare

2016 Medicare Advantage AARP MedicareComplete Choice Essential (Regional PPO)

AARP MedicareComplete Choice Essential (Regional PPO) R5287-002 is a 2016 Medicare Advantage or Medicare Part-C plan by UnitedHealthcare available to residents in Florida. This plan does not provide additional Medicare prescription drug (Part-D) coverage. The AARP MedicareComplete Choice Essential (Regional PPO) has a monthly premium of $0.00 and has a in-network Maximum Out-of-Pocket limit of $6,700 (MOOP). This means that if you get sick or need a high cost procedure your co-pays are capped once you pay out of pocket $6,700 this can be a very nice safety net.

AARP MedicareComplete Choice Essential (Regional PPO) is a Regional PPO *. A preferred provider organization (PPO) is a medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.

This plan from UnitedHealthcare works with Medicare to give you significant coverage beyond Part A and Part B benefits. If you decide to sign up for AARP MedicareComplete Choice Essential (Regional PPO) you still retain Original Medicare. But you will get additional Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from UnitedHealthcare and not Original Medicare. With Medicare Advantage plans your always covered for urgently needed and emergency care and you receive all of the benefits of Original Medicare from this plan except hospice care. Original Medicare still provides you with hospice care even if you sign up for a Medicare Advantage Plan.



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2016 UnitedHealthcare Medicare Advantage Plan Details

Plan Name:
AARP MedicareComplete Choice Essential (Regional PPO)
Plan ID:
R5287-002
Provider:UnitedHealthcare
Parent:UnitedHealth Group, Inc.
Plan Year:2016
Plan Type: Regional PPO *
Monthly Premium C+D: $0.00
MOOP: $6,700




Plan Services



Monthly premium deductible and limits on how much you pay for covered services


$0.00 per month. In addition you must keep paying your Medicare Part B premium. This plan does not have a deductible. Yes. Like all Medicare health plans our plan protects you by having yearly limits on your out-of-pocket costs for medical and hospital care. Your yearly limit(s) in this plan:
  • $6 700 for services you receive from in-network providers.
  • $10 000 for services you receive from any provider. Your limit for services received from in-network providers will count toward this limit.
If you reach the limit on out-of-pocket costs you keep getting covered hospital and medical services and we will pay the full cost for the rest of the year.

Please note that you will still need to pay your monthly premiums. No. There are no limits on how much our plan will pay.


Doctor's office visits


Primary care physician visit:
  • In-network:  $15 copay
  • Out-of-network:  $45 copay
Specialist visit:
  • In-network:  $50 copay
  • Out-of-network:  $70 copay


Durable medical equipment (wheelchairs oxygen etc.)


  • In-network:  20% of the cost
  • Out-of-network:  50% of the cost


Emergency care


$75 copay If you are admitted to the hospital within 24 hours you do not have to pay your share of the cost for emergency care. See the "Inpatient Hospital Care" section for other costs.


Foot care (podiatry services)


Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions:
  • In-network:  $50 copay
  • Out-of-network:  $70 copay
Routine foot care (for up to 6 visit(s) every year):
  • In-network:  $50 copay
  • Out-of-network:  $70 copay


Hearing services


Exam to diagnose and treat hearing and balance issues:
  • In-network:  $15 copay
  • Out-of-network:  $70 copay
Routine hearing exam (for up to 1 every year):
  • In-network:  $15 copay
  • Out-of-network:  $70 copay
Hearing aid:
  • In-network:  $330-380 copay for each hearing aid depending on the type
  • Out-of-network:  $330-380 copay for each hearing aid depending on the type


Home health care


  • In-network:  You pay nothing
  • Out-of-network:  50% of the cost


Mental health care


Inpatient visit: Our plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. The inpatient hospital care limit does not apply to inpatient mental services provided in a general hospital. Our plan covers 90 days for an inpatient hospital stay. Our plan also covers 60 "lifetime reserve days." These are "extra" days that we cover. If your hospital stay is longer than 90 days you can use these extra days. But once you have used up these extra 60 days your inpatient hospital coverage will be limited to 90 days.
  • In-network:  
    • $395 copay per day for days 1 through 3
    • You pay nothing per day for days 4 through 90
    • Out-of-network:  
      • 40% of the cost per stay
      Outpatient group therapy visit:
      • In-network:  $30 copay
      • Out-of-network:  $35-45 copay depending on the service
      Outpatient individual therapy visit:
      • In-network:  $40 copay
      • Out-of-network:  $35-45 copay depending on the service


Outpatient rehabilitation


Cardiac (heart) rehab services (for a maximum of 2 one-hour sessions per day for up to 36 sessions up to 36 weeks):
  • In-network:  $50 copay
  • Out-of-network:  $70 copay
Occupational therapy visit:
  • In-network:  $40 copay
  • Out-of-network:  $70 copay
Physical therapy and speech and language therapy visit:
  • In-network:  $40 copay
  • Out-of-network:  $70 copay


Outpatient substance abuse


Group therapy visit:
  • In-network:  $30 copay
  • Out-of-network:  $35-45 copay depending on the service
Individual therapy visit:
  • In-network:  $40 copay
  • Out-of-network:  $35-45 copay depending on the service


Outpatient surgery


Ambulatory surgical center:
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost
Outpatient hospital:
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost


Acupuncture


Not covered


Over-the-counter items


Not Covered


Prosthetic devices (braces artificial limbs etc.)


Prosthetic devices:
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost
Related medical supplies:
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost


Renal dialysis


  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost


Transportation


Not covered


Urgently needed services


$30-40 copay depending on the service


Vision services


Exam to diagnose and treat diseases and conditions of the eye (including yearly glaucoma screening):
  • In-network:  $0-50 copay depending on the service
  • Out-of-network:  $70 copay
Routine eye exam (for up to 1 every year):
  • In-network:  $50 copay
  • Out-of-network:  $70 copay
Eyeglasses or contact lenses after cataract surgery:
  • In-network:  You pay nothing
  • Out-of-network:  40% of the cost


Preventive care


  • In-network:  You pay nothing
  • Out-of-network:  0-40% of the cost depending on the service
Our plan covers many preventive services including:
  • Abdominal aortic aneurysm screening
  • Alcohol misuse counseling
  • Bone mass measurement
  • Breast cancer screening (mammogram)
  • Cardiovascular disease (behavioral therapy)
  • Cardiovascular screenings
  • Cervical and vaginal cancer screening
  • Colorectal cancer screenings (Colonoscopy Fecal occult blood test Flexible sigmoidoscopy)
  • Depression screening
  • Diabetes screenings
  • HIV screening
  • Medical nutrition therapy services
  • Obesity screening and counseling
  • Prostate cancer screenings (PSA)
  • Sexually transmitted infections screening and counseling
  • Tobacco use cessation counseling (counseling for people with no sign of tobacco-related disease)
  • Vaccines including Flu shots Hepatitis B shots Pneumococcal shots
  • "Welcome to Medicare" preventive visit (one-time)
  • Yearly "Wellness" visit
Any additional preventive services approved by Medicare during the contract year will be covered.


Hospice


You pay nothing for hospice care from a Medicare-certified hospice. You may have to pay part of the cost for drugs and respite care.


Inpatient hospital care


Our plan covers an unlimited number of days for an inpatient hospital stay.
  • In-network:  
    • $395 copay per day for days 1 through 4
    • You pay nothing per day for days 5 through 90
    • You pay nothing per day for days 91 and beyond
    • Out-of-network:  
      • 40% of the cost per stay


Inpatient mental health care


For inpatient mental health care see the "Mental Health Care" section.


Skilled Nursing Facility (SNF)


Our plan covers up to 100 days in a SNF.
  • In-network:  
    • You pay nothing per day for days 1 through 20
    • $160 copay per day for days 21 through 62
    • You pay nothing per day for days 63 through 100
    • Out-of-network:  
      • $195 copay per day for days 1 through 52
      • You pay nothing per day for days 53 through 100


Outpatient prescription drugs


For Part B drugs such as chemotherapy drugs:
  • In-network:  20% of the cost
  • Out-of-network:  50% of the cost
Other Part B drugs:
  • In-network:  20% of the cost
  • Out-of-network:  50% of the cost
Our plan does not cover Part D prescription drug.


Ambulance


  • In-network:  $275 copay
  • Out-of-network:  $275 copay


Chiropractic care


Manipulation of the spine to correct a subluxation (when 1 or more of the bones of your spine move out of position):
  • In-network:  $20 copay
  • Out-of-network:  $70 copay


Dental services


Limited dental services (this does not include services in connection with care treatment filling removal or replacement of teeth):
  • In-network:  $50 copay
  • Out-of-network:  $70 copay


Diabetes supplies and services


Diabetes monitoring supplies:
  • In-network:  You pay nothing
  • Out-of-network:  40% of the cost
Diabetes self-management training:
  • In-network:  You pay nothing
  • Out-of-network:  40% of the cost
Therapeutic shoes or inserts:
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost


Diagnostic tests lab and radiology services and x-rays (Costs for these services may be different if received in an outpatient surgery setting)


Diagnostic radiology services (such as MRIs CT scans):
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost
Diagnostic tests and procedures:
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost
Lab services:
  • In-network:  $5 copay
  • Out-of-network:  $5 copay
Outpatient x-rays:
  • In-network:  $3 copay
  • Out-of-network:  $4 copay
Therapeutic radiology services (such as radiation treatment for cancer):
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost




Coverage Area for AARP MedicareComplete Choice Essential (Regional PPO)

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Ratings for AARP MedicareComplete Choice Essential (Regional PPO) R5287

2016 Overall Rating
Part C Summary Rating
Part D Summary Rating
Staying Healthy: Screenings, Tests, Vaccines
Managing Chronic (Long Term) Conditions
Member Experience with Health Plan
Complaints and Changes in Plans Performance
Health Plan Customer Service
Drug Plan Customer Service
Complaints and Changes in the Drug Plan
Member Experience with the Drug Plan
Drug Safety and Accuracy of Drug Pricing


Member Experience with Health Plan

Total Experience Rating
Getting Needed Care
Timely Care and Appointments
Customer Service
Health Care Quality
Rating of Health Plan
Care Coordination


Member Complaints and Changes in AARP MedicareComplete Choice Essential (Regional PPO) Plans Performance

Total Rating
Members Leaving the Plan
Complaints about Health Plan
Beneficiary Access
Health Plan Quality Improvement


Health Plan Customer Service Rating for AARP MedicareComplete Choice Essential (Regional PPO)

Total Customer Service Rating
Timely Decisions About Appeals
Reviewing Appeals Decisions
Call Center, TTY, Foreign Language


Staying Healthy, Screening, Testing, & Vaccines

Total Preventative Rating
Breast Cancer Screening
Colorectal Cancel Screening
Annual Flu Vaccine
Improving Physical
Improving Mental Health
Monitoring Physical Activity
Adult BMI Assessment


Managing Chronic And Long Term Care for Older Adults

Total Rating
SNP Care Management
Medication Review
Functional Status Assessment
Pain Screening
Osteoporosis Management
Diabetes Care - Eye Exam
Diabetes Care - Kidney Disease
Diabetes Care - Blood Sugar
Controlling Blood Pressure
Rheumatoid Arthritis
Improving Bladder Control
Reducing Risk of Falling
Plan - Cause Readmissions


Member Experience with the Drug Plan

Total Rating
Rating of Drug Plan
Getting Needed Prescription Drugs


Drug Safety and Accuracy of Drug Pricing

Total Rating
MPF Price Accuracy
High Risk Medication
Drug Adherence for Diabetes Medications
Drug Adherence for Hypertension (RAS antagonists)
Drug Adherence for Cholesterol (Statins)
MTM Program Completion Rate for CMR


Ratings For Member Complaints and Changes in the Drug Plans Performance

Total Rating
Complaints about the Drug Plan
Members Choosing to Leave the Plan
Beneficiary Access
Drug Plan Quality Improvement


AARP MedicareComplete Choice Essential (Regional PPO) Drug Plan Customer Service ratings

Total Rating
Appeals Auto Forward
Appeals Upheld
Call Center, TTY, Foreign Language


Source: CMS.

Plans as of September 9, 2015

Star Rating as of September 30, 2015.

For More Information on Ratings Please See the CMS Tech Notes Here.

Notes: Data are subject to change as contracts are finalized. For 2016, 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

Includes 2016 approved contracts/plans. Employer sponsored 800 series plans and plans under sanction are excluded.

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