2022 Bright Advantage Part B Savings Plan (PPO)

Bright Advantage Part B Savings Plan (PPO) H3281-010 is a 2022 Medicare Advantage Plan or Part-C by Bright Health available to residents in Florida. This plan includes additional prescription drug (Part-D) coverage. The Bright Advantage Part B Savings Plan (PPO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $4,400 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $4,400 out-of-pocket. This can be a extremely nice safety net.

Bright Advantage Part B Savings Plan (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 Part B Savings Plan (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 you are always covered for urgently needed and emergency care. Plus you receive all 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 Medicare Advantage.

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2022 Bright Health Medicare Advantage Plan Costs

Bright Advantage Part B Savings Plan (PPO) Part-C Premium

Bright Health 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.

H3281-010 Part-D Deductible and Premium

Bright Advantage Part B Savings Plan (PPO) has a monthly drug premium of $0.00 and a $110.00 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 lowered due to negative basic or supplemental premiums.

Bright Health Gap Coverage

In 2022 once you and your plan provider have spent $4430 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.

H3281-010 Formulary or Drug Coverage

Bright Advantage Part B Savings Plan (PPO) formulary is divided into Tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price. You can see complete 2022 Bright Advantage Part B Savings Plan (PPO) H3281-010 Formulary here.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$0
Tier 2	NA	$0
Tier 3	NA	$47
Tier 4	NA	$100
Tier 5	NA	25%
Tier 6	NA	$0

*Initial Coverage Phase and 30 day supply

2021 Bright Advantage Part B Savings Plan (PPO) Summary of Benefits

*This will be updated with 2022 data when available.

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Additional Benefits

No

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Comprehensive Dental

Diagnostic services	Not covered
Endodontics	Not covered
Extractions	Not covered
Non-routine services	Not covered
Periodontics	Not covered
Prosthodontics, other oral/maxillofacial surgery, other services	Not covered
Restorative services	Not covered

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Deductible

$0

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Diagnostic Tests and Procedures

Diagnostic radiology services (e.g., MRI)	40% coinsurance (Out-of-Network)
Diagnostic radiology services (e.g., MRI)	$25-250 copay
Diagnostic tests and procedures	40% coinsurance (Out-of-Network)
Diagnostic tests and procedures	$0-250 copay
Lab services	$0 copay
Lab services	40% coinsurance (Out-of-Network)
Outpatient x-rays	$5 copay
Outpatient x-rays	40% coinsurance (Out-of-Network)

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Doctor Visits

Primary	$0 copay (Out-of-Network)
Primary	$0 copay
Specialist	$40 copay per visit (Out-of-Network)
Specialist	$40 copay per visit

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Emergency care/Urgent Care

Emergency	$90 copay per visit (always covered)
Urgent care	$40 copay per visit (always covered)

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Foot Care (podiatry services)

Foot exams and treatment	40% coinsurance (Out-of-Network)
Foot exams and treatment	$0 copay
Routine foot care	Not covered

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Ground Ambulance

$225 copay
$225 copay (Out-of-Network)

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Hearing

Fitting/evaluation	Not covered
Hearing aids - inner ear	Not covered
Hearing aids - outer ear	Not covered
Hearing aids - over the ear	Not covered
Hearing exam	$0 copay
Hearing exam	40% coinsurance (Out-of-Network)

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Inpatient Hospital Coverage

30% per day for days 1 through 90 (Out-of-Network)
$295 per day for days 1 through 6 $0 per day for days 7 through 90 $0 per day for days 91 and beyond

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Medical Equipment/Supplies

Diabetes supplies	$0 copay
Diabetes supplies	40% coinsurance per item (Out-of-Network)
Durable medical equipment (e.g., wheelchairs, oxygen)	40% coinsurance per item (Out-of-Network)
Durable medical equipment (e.g., wheelchairs, oxygen)	20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs)	20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs)	40% coinsurance per item (Out-of-Network)

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Medicare Part B Drugs

Chemotherapy	20% coinsurance
Chemotherapy	35-40% coinsurance (Out-of-Network)
Other Part B drugs	35-40% coinsurance (Out-of-Network)
Other Part B drugs	20% coinsurance

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Mental Health Services

Inpatient hospital - psychiatric	30% per day for days 1 through 90 (Out-of-Network)
Inpatient hospital - psychiatric	$295 per day for days 1 through 6 $0 per day for days 7 through 90
Outpatient group therapy visit	$35 copay
Outpatient group therapy visit	40% coinsurance (Out-of-Network)
Outpatient group therapy visit with a psychiatrist	40% coinsurance (Out-of-Network)
Outpatient group therapy visit with a psychiatrist	$35 copay
Outpatient individual therapy visit	$40 copay
Outpatient individual therapy visit	40% coinsurance (Out-of-Network)
Outpatient individual therapy visit with a psychiatrist	$40 copay
Outpatient individual therapy visit with a psychiatrist	40% coinsurance (Out-of-Network)

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MOOP

$10,000 In and Out-of-network $6,700 In-network

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Option

No

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Optional supplemental benefits

Yes

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Outpatient Hospital Coverage

$270 copay per visit
40% coinsurance per visit (Out-of-Network)

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Package #1

Deductible
Monthly Premium	$19.00

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Package #2

Deductible
Monthly Premium	$3.50

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Preventive Care

30% coinsurance (Out-of-Network)
$0 copay

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Preventive Dental

Cleaning	30% coinsurance (Out-of-Network)
Cleaning	$0 copay
Dental x-ray(s)	30% coinsurance (Out-of-Network)
Dental x-ray(s)	$0 copay
Fluoride treatment	30% coinsurance (Out-of-Network)
Fluoride treatment	$0 copay
Oral exam	$0 copay
Oral exam	30% coinsurance (Out-of-Network)

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Rehabilitation Services

Occupational therapy visit	$0 copay
Occupational therapy visit	40% coinsurance (Out-of-Network)
Physical therapy and speech and language therapy visit	40% coinsurance (Out-of-Network)
Physical therapy and speech and language therapy visit	$0 copay

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Skilled Nursing Facility

$0 per day for days 1 through 20 $178 per day for days 21 through 100
40% per day for days 1 through 100 (Out-of-Network)

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Transportation

Not covered

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Vision

Contact lenses	Not covered
Eyeglass frames	Not covered
Eyeglass lenses	Not covered
Eyeglasses (frames and lenses)	Not covered
Other	Not covered
Routine eye exam	40% coinsurance (Out-of-Network)
Routine eye exam	$0 copay
Upgrades	Not covered

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Wellness Programs (e.g. fitness nursing hotline)

Covered

Ready to Enroll?

Click Here

Or Call
1-855-778-4180
Mon-Fri 8am-8pm EST
Sat 8am-8pm EST

Coverage Area for Bright Advantage Part B Savings Plan (PPO)

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Source: CMS.
Data as of September 1, 2021.
Notes: Data are subject to change as contracts are finalized. For 2022, 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 2022 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.