2019 Medicare Advantage Plan Services for
Bright Advantage Flex (PPO)
Bright Advantage Flex (PPO) H9878-001 is a 2019 Medicare Advantage or Medicare Part-C plan by Bright Health available to residents in Ohio. This plan includes additional Medicare prescription drug (Part-D) coverage. The Bright Advantage Flex (PPO) has a monthly premium of $- and has an in-network Maximum Out-of-Pocket limit of $4,600 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $4,600 out of pocket. This can be a extremely nice safety net.
Bright Advantage Flex (PPO) is a Local PPO. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.
Bright Health works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Bright Advantage Flex (PPO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Bright Health and not Original Medicare. With Medicare Advantage Plans you are always covered for urgently needed and emergency care. Plus you receive all of the benefits of Original Medicare from Bright Health except hospice care. Original Medicare still provides you with hospice care even if you sign up for a Medicare Advantage Plan.
2019 Bright Health Medicare Advantage Plan Details
Bright Advantage Flex (PPO)
|Monthly Premium C+D:||$-|
|Part C Premium:||$0.00|
|Part D (Drug) Premium:||$0.00|
|Part D Supplemental Premium||$0.00|
|Total Part D Premium:||$0.00|
|Tiers with No Deductible:||0|
|Initial Coverage Limit:||$3820|
|Benchmark:||not below the regional benchmark|
|Type of Medicare Health:||Enhanced Alternative|
|Drug Benefit Type:||Enhanced|
Bright Health 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
Bright Advantage Flex (PPO) has a monthly drug premium of $0.00 and a $0.00 drug deductible. This Bright Health plan offers a $0.00 Part D Basic Premium that is not 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 Bright Health 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 $0.00. 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.
Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The Bright Advantage Flex (PPO) medicare insurance offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $0.00 for 75% low income subsidy $0.00 for 50% and $0.00 for 25%.
|Full LIS Premium:||$0.00|
|75% LIS Premium:||$0.00|
|50% LIS Premium:||$0.00|
|25% LIS Premium:||$0.00|
In 2019 once you and your plan provider have spent $3820 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for brand-name drugs and 37% on generic drugs unless your plan offers additional coverage. This Bright Health plan does not offer additional coverage through the gap.
Health plan deductible
Emergency care/Urgent care
|Emergency||$90 per visit (always covered)|
|Urgent care||$35 per visit (always covered)|
Diagnostic procedures/lab services/imaging
|Diagnostic tests and procedures||Out-of-Network||45%|
|Diagnostic tests and procedures||In-Network||20%|
|Diagnostic radiology services (e.g., MRI)||Out-of-Network||45%|
|Diagnostic radiology services (e.g., MRI)||In-Network||20%|
|Hearing exam||In-Network||$0 copay|
|Hearing aids||Out-of-Network||$0 copay|
|Hearing aids||In-Network||$0 copay|
|Oral exam||In-Network||$0 copay|
|Fluoride treatment||In-Network||$0 copay|
|Dental x-ray(s)||In-Network||$0 copay|
|Non-routine services||Not covered|
|Diagnostic services||Not covered|
|Restorative services||Not covered|
|Prosthodontics, other oral/maxillofacial surgery, other services||Not covered|
|Routine eye exam||Out-of-Network||$0 copay|
|Routine eye exam||In-Network||$0 copay|
|Contact lenses||Not covered|
|Eyeglasses (frames and lenses)||Not covered|
|Eyeglass frames||Not covered|
|Eyeglass lenses||Not covered|
Mental health services
|Inpatient hospital - psychiatric||Out-of-Network||45% per day for days 1 through 90|
|Inpatient hospital - psychiatric||In-Network||$285 per day for days 1 through 5
$0 per day for days 6 through 90
|Outpatient group therapy visit with a psychiatrist||Out-of-Network||45%|
|Outpatient group therapy visit with a psychiatrist||In-Network||$40|
|Outpatient individual therapy visit with a psychiatrist||Out-of-Network||45%|
|Outpatient individual therapy visit with a psychiatrist||In-Network||$40|
|Outpatient group therapy visit||Out-of-Network||45%|
|Outpatient group therapy visit||In-Network||$40|
|Outpatient individual therapy visit||Out-of-Network||45%|
|Outpatient individual therapy visit||In-Network||$40|
Skilled Nursing Facility
|Out-of-Network||45% per day for days 1 through 100|
|In-Network||$0 per day for days 1 through 20
$172 per day for days 21 through 100
|Occupational therapy visit||Out-of-Network||45%|
|Occupational therapy visit||In-Network||$35|
|Physical therapy and speech and language therapy visit||Out-of-Network||45%|
|Physical therapy and speech and language therapy visit||In-Network||$35|
Other health plan deductibles?
Foot care (podiatry services)
|Foot exams and treatment||Out-of-Network||45%|
|Foot exams and treatment||In-Network||$40|
|Routine foot care||Not covered|
|Durable medical equipment (e.g., wheelchairs, oxygen)||Out-of-Network||45% per item|
|Durable medical equipment (e.g., wheelchairs, oxygen)||In-Network||20% per item|
|Prosthetics (e.g., braces, artificial limbs)||Out-of-Network||45% per item|
|Prosthetics (e.g., braces, artificial limbs)||In-Network||20% per item|
|Diabetes supplies||Out-of-Network||45% per item|
|Diabetes supplies||In-Network||$0 copay|
Wellness programs (e.g., fitness, nursing hotline)
Medicare Part B drugs
|Other Part B drugs||Out-of-Network||45%|
|Other Part B drugs||In-Network||20%|
Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)
|$10,000 In and Out-of-network
Optional supplemental benefits
Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?
Inpatient hospital coverage
|Out-of-Network||45% per day for days 1 and beyond|
|In-Network||$285 per day for days 1 through 5
$0 per day for days 6 through 90
Outpatient hospital coverage
|Out-of-Network||45% per visit|
|In-Network||$285 per visit|
|Primary||Out-of-Network||45% per visit|
|Specialist||Out-of-Network||45% per visit|
|Specialist||In-Network||$35 per visit|
Coverage Area for Bright Advantage Flex (PPO)
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Data as of September 2, 2018.
Star Rating as of October 10, 2018.
For More Information on Ratings Please See the CMS Tech Notes.
Notes: Data are subject to change as contracts are finalized. For 2019, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part D benefit. Includes 2019 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.