2016 Care Improvement Plus Dual Advantage (Regional PPO SNP) DS-R3444

Care Improvement Plus Dual Advantage (Regional PPO SNP) By Care Improvement Plus



Care Improvement Plus Dual Advantage (Regional PPO SNP) is a 2016 Medicare Advantage Special Needs Plan plan by Care Improvement Plus. This plan from Care Improvement Plus works with Medicare to give you significant coverage beyond original Medicare. If you decide to sign up you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Care Improvement Plus and not Original Medicare. All Medicare SNPs also provide Medicare additional Part-D drug coverage. Care Improvement Plus Dual Advantage (Regional PPO SNP) DS-R3444 is a Dual Eligible Special Needs Plan (D-SNP). A Dual Eligible SNP is for beneficiaries who are eligible for both Medicare and Medicaid. If you have Medicare and get help from Medicaid you can join any Medicare SNP you qualify for or switch plans at any time.



COMPARE AND SAVE ON MEDICARE INSURANCE




2016 Medicare Special Needs Plan Details

Plan Name:
Care Improvement Plus Dual Advantage (Regional PPO SNP)
Plan ID:
DS-R3444
Special Needs Type: Dual-Eligible
Provider: Care Improvement Plus
Parent:UnitedHealth Group, Inc.
Plan Year:2016
Plan Type: Regional PPO
Monthly Premium C+D: $16.70




Plan Services


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


$0 per month. This plan does not have a deductible. This plan does not have a deductible for chemotherapy and other drugs administered in your doctor's office (Part B drugs). This plan does not have a deductible for Part D prescription drugs. 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. In this plan you may pay nothing for Medicare-covered services depending on your level of [insert State Medicaid plan name] eligibility. Your yearly limit(s) in this plan:
  • $6 700 for services you receive from in-network providers.
  • $6 700 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.

Refer to the "Medicare & You" handbook for Medicare-covered services. For [insert State Medicaid plan name]-covered services refer to the Medicaid Coverage section in this document.

Please note that you will still need to pay your monthly premiums and cost-sharing for your Part D prescription drugs. Our plan has a coverage limit every year for certain in-network benefits. Contact us for the services that apply.

Doctor's office visits


Primary care physician visit:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Specialist visit:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost

Durable medical equipment (wheelchairs oxygen etc.)


  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost

Emergency care


You pay nothing

Foot care (podiatry services)


Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Routine foot care (for up to 6 visit(s) every year):
  • In-network:  You pay nothing
  • Out-of-network:  You pay nothing

Hearing services


Exam to diagnose and treat hearing and balance issues:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Routine hearing exam (for up to 1 every year):
  • In-network:  You pay nothing
  • Out-of-network:  You pay nothing
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:  You pay nothing

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:  You pay nothing
  • Out-of-network:  In 2016 the amounts for each benefit period are:
    • $1 288 deductible for days 1 through 60
    • $322 copay per day for days 61 through 90
    • $644 copay per day for 60 lifetime reserve days
    Outpatient group therapy visit:
    • In-network:  You pay nothing
    • Out-of-network:  20% of the cost
    Outpatient individual therapy visit:
    • In-network:  You pay nothing
    • Out-of-network:  20% of the cost

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:  You pay nothing
  • Out-of-network:  20% of the cost
Occupational therapy visit:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Physical therapy and speech and language therapy visit:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost

Outpatient substance abuse


Group therapy visit:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Individual therapy visit:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost

Outpatient surgery


Ambulatory surgical center:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Outpatient hospital:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost

Acupuncture


Not covered

Over-the-counter items


Not Covered

Prosthetic devices (braces artificial limbs etc.)


Prosthetic devices:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Related medical supplies:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost

Renal dialysis


  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost

Transportation


  • In-network:  You pay nothing
  • Out-of-network:  You pay nothing

Urgently needed services


You pay nothing

Vision services


Exam to diagnose and treat diseases and conditions of the eye (including yearly glaucoma screening):
  • In-network:  You pay nothing
  • Out-of-network:  0-20% of the cost depending on the service
Routine eye exam (for up to 1 every year):
  • In-network:  You pay nothing
  • Out-of-network:  You pay nothing
Contact lenses:
  • In-network:  You pay nothing
  • Out-of-network:  You pay nothing
Eyeglasses (frames and lenses):
  • In-network:  You pay nothing
  • Out-of-network:  You pay nothing
Eyeglasses or contact lenses after cataract surgery:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Our plan pays up to $125 every year for contact lenses and eyeglasses (frames and lenses) from any provider.

Preventive care


  • In-network:  You pay nothing
  • Out-of-network:  You pay nothing
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. Annual physical exam:
  • In-network:  You pay nothing

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 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:  You pay nothing
  • Out-of-network:  In 2016 the amounts for each benefit period are:
    • $1 288 deductible for days 1 through 60
    • $322 copay per day for days 61 through 90
    • $644 copay per day for 60 lifetime reserve days

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
  • Out-of-network:  In 2016 the amounts for each benefit period are:
    • You pay nothing for days 1 through 20
    • $161 copay per day for days 21 through 100

Outpatient prescription drugs


For Part B drugs such as chemotherapy drugs:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Other Part B drugs:
  • In-network:  You pay nothing
  • Out-of-network:  20% of the cost
Depending on your income and institutional status you pay the following:
For generic drugs (including brand drugs treated as generic) either:
  • $0 copay; or
  • $1.20 copay; or
  • $2.95 copay

    • For all other drugs either:
  • $0 copay; or
  • $3.60 copay; or
  • $7.40 copay.
    • You may get your drugs at network retail pharmacies and mail order pharmacies. If you reside in a long-term care facility you pay the same as at a retail pharmacy.
    You may get drugs from an out-of-network pharmacy at the same cost as an in-network pharmacy.
    You pay nothing

    Ambulance


    • In-network:  You pay nothing
    • Out-of-network:  20% of the cost

    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:  You pay nothing
    • Out-of-network:  20% of the cost

    Dental services


    Limited dental services (this does not include services in connection with care treatment filling removal or replacement of teeth):
    • In-network:  You pay nothing
    • Out-of-network:  20% of the cost
    Preventive dental services:
  • Cleaning (for up to 1 every six months):
    • In-network:  You pay nothing
    • Out-of-network:  You pay nothing
  • Dental x-ray(s) (for up to 1):
    • In-network:  You pay nothing
    • Out-of-network:  You pay nothing
  • Oral exam (for up to 1 every six months):
    • In-network:  You pay nothing
    • Out-of-network:  You pay nothing
    Our plan pays up to $500 every year for most dental services from any provider.

    Diabetes supplies and services


    Diabetes monitoring supplies:
    • In-network:  You pay nothing
    • Out-of-network:  20-30% of the cost depending on the supply
    Diabetes self-management training:
    • In-network:  You pay nothing
    • Out-of-network:  You pay nothing
    Therapeutic shoes or inserts:
    • In-network:  You pay nothing
    • Out-of-network:  20-30% of the cost depending on the supply

    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:  You pay nothing
    • Out-of-network:  20% of the cost
    Diagnostic tests and procedures:
    • In-network:  You pay nothing
    • Out-of-network:  20% of the cost
    Lab services:
    • In-network:  You pay nothing
    • Out-of-network:  20% of the cost
    Outpatient x-rays:
    • In-network:  You pay nothing
    • Out-of-network:  20% of the cost
    Therapeutic radiology services (such as radiation treatment for cancer):
    • In-network:  You pay nothing
    • Out-of-network:  20% of the cost



    Coverage Area for Care Improvement Plus Dual Advantage (Regional PPO SNP)

    State: Missouri
    Arkansas
    County:Adair,
    Andrew, Arkansas, Ashley,
    Atchison, Audrain, Barry,
    Barton, Bates, Baxter,
    Benton, Benton, Bollinger,
    Boone, Boone, Bradley,
    Buchanan, Butler, Caldwell,
    Calhoun, Callaway, Camden,
    Cape Girardeau, Carroll, Carroll,
    Carter, Cass, Cedar,
    Chariton, Chicot, Christian,
    Clark, Clark, Clay,
    Clay, Cleburne, Cleveland,
    Clinton, Cole, Columbia,
    Conway, Cooper, Craighead,
    Crawford, Crawford, Crittenden,
    Cross, Dade, Dallas,
    Dallas, Daviess, DeKalb,
    Dent, Desha, Douglas,
    Drew, Dunklin, Faulkner,
    Franklin, Franklin, Fulton,
    Garland, Gasconade, Gentry,
    Grant, Greene, Greene,
    Grundy, Harrison, Hempstead,
    Henry, Hickory, Holt,
    Hot Spring, Howard, Howard,
    Howell, Independence, Iron,
    Izard, Jackson, Jackson,
    Jasper, Jefferson, Jefferson,
    Johnson, Johnson, Knox,
    Laclede, Lafayette, Lafayette,
    Lawrence, Lawrence, Lee,
    Lewis, Lincoln, Lincoln,
    Linn, Little River, Livingston,
    Logan, Lonoke, Macon,
    Madison, Madison, Maries,
    Marion, Marion, McDonald,
    Mercer, Miller, Miller,
    Mississippi, Mississippi, Moniteau,
    Monroe, Monroe, Montgomery,
    Montgomery, Morgan, Nevada,
    New Madrid, Newton, Newton,
    Nodaway, Oregon, Osage,
    Ouachita, Ozark, Pemiscot,
    Perry, Perry, Pettis,
    Phelps, Phillips, Pike,
    Pike, Platte, Poinsett,
    Polk, Polk, Pope,
    Prairie, Pulaski, Pulaski,
    Putnam, Ralls, Randolph,
    Randolph, Ray, Reynolds,
    Ripley, Saline, Saline,
    Schuyler, Scotland, Scott,
    Scott, Searcy, Sebastian,
    Sevier, Shannon, Sharp,
    Shelby, St. Charles, St. Clair,
    St. Francis, St. Francois, St. Louis,
    St. Louis City, Ste. Genevieve, Stoddard,
    Stone, Stone, Sullivan,
    Taney, Texas, Union,
    Van Buren, Vernon, Warren,
    Washington, Washington, Wayne,
    Webster, White, Woodruff,
    Worth, Wright, Yell,


    The Care Improvement Plus Dual Advantage (Regional PPO SNP) DS-R3444 is available to residents in Missouri, Arkansas, and all Medicare SNPs must provide Medicare additional prescription drug (Part-D) coverage. Care Improvement Plus Dual Advantage (Regional PPO SNP) 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.





    Part-C Premium

    Care Improvement Plus plan charges a $0.00 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.



    Part-D Deductible and Premium

    The Care Improvement Plus Dual Advantage (Regional PPO SNP) plan has a monthly drug premium of $16.70 and a $360.00 drug deductible. This Care Improvement Plus plan offers a $16.70 Part D Basic Premium that is below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0.00 this Premium covers any enhanced plan benefits offered by Care Improvement Plus above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $16.70. The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lower due to negative basic or supplemental premiums.



    Premium Assistance

    Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The Care Improvement Plus Dual Advantage (Regional PPO SNP) medicare insurance plan offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $4.20 for 75% low income subsidy $8.30 for 50% and $12.50 for 25%.



    Part C Premium: $0.00
    Part D (Drug) Premium: $16.70
    Part D Supplemental Premium $0.00
    Total Part D Premium: $16.70
    Drug Deductible: $360.00
    Tiers with No Deductible: 0
    Benchmark: below the regional benchmark
    Type of Medicare Health Plan: Defined Standard Benefit
    Drug Benefit Type: Basic
    Full LIS Premium: $0.00
    75% LIS Premium: $4.20
    50% LIS Premium: $8.30
    25% LIS Premium: $12.50
    Inital Coverage Limit:$3310
    Gap Coverage: No


    Gap Coverage

    In 2016 once you and your plan provider have spent $3,310 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 45% for brand-name drugs and 58% on generic drugs unless your plan offers additional coverage. This Care Improvement Plus plan does not offer additional coverage through the gap.



    Ratings for Care Improvement Plus Dual Advantage (Regional PPO SNP) DS

    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 Care Improvement Plus Dual Advantage (Regional PPO SNP) Plans Performance

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


    Health Plan Customer Service Rating for Care Improvement Plus Dual Advantage (Regional PPO SNP)

    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


    Care Improvement Plus Dual Advantage (Regional PPO SNP) 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. All contracts for 2016 have not been 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

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

    Call For A licensed Sales Agent


    Or Enroll Online Here

    Call to Enroll!