2020 Medicare Advantage Plan Services for
Bright Advantage Flex Plus (PPO)
Bright Advantage Flex Plus (PPO) H3725-001 is a 2020 Medicare Advantage Plan or Medicare Part-C plan by Bright Health available to residents in Illinois. This plan includes additional Medicare prescription drug (Part-D) coverage. The Bright Advantage Flex Plus (PPO) has a monthly premium of $49.00 and has an in-network Maximum Out-of-Pocket limit of $6,700 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $6,700 out of pocket. This can be a extremely nice safety net.
Bright Advantage Flex Plus (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 Plus (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.
2020 Bright Health Medicare Advantage Plan Details
Bright Advantage Flex Plus (PPO)
|Monthly Premium C+D:||$49.00|
|Part C Premium:||$7.10|
|Part D (Drug) Premium:||$41.90|
|Part D Supplemental Premium||$0.00|
|Total Part D Premium:||$41.90|
|Tiers with No Deductible:||0|
|Benchmark:||not below the regional benchmark|
|Type of Medicare Health:||Enhanced Alternative|
|Drug Benefit Type:||Enhanced|
Bright Health plan charges a $7.10 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 Plus (PPO) has a monthly drug premium of $41.90 and a $0.00 drug deductible. This Bright Health plan offers a $41.90 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 $41.90. 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 Plus (PPO) medicare insurance offers a $15.90 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $22.40 for 75% low income subsidy $28.90 for 50% and $35.40 for 25%.
|Full LIS Premium:||$15.90|
|75% LIS Premium:||$22.40|
|50% LIS Premium:||$28.90|
|25% LIS Premium:||$35.40|
In 2020 once you and your plan provider have spent $4020 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 prescription drugs unless your plan offers additional coverage. This Bright Health plan does offer additional coverage through the gap.
Bright Health Drug Coverage and Formulary
A formulary is divided into tiers or levels of coverage based on the type or usage of your medication or benefit categories, according to drug costs. Each tier will have a defined out-of-pocket cost that you must pay before receiving the drug. You can see complete 2020 Bright Advantage Flex Plus (PPO) H3725-001 Formulary here.
Coverage Area for Bright Advantage Flex Plus (PPO)
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Data as of September 4, 2019.
Star Rating as of October 10, 2019.
Plan Services are 2019 information as reference. 2020 information will be added when released.
Notes: Data are subject to change as contracts are finalized. For 2020, 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 2020 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.