Anthem MediBlue Select HMO
Anthem MediBlue Select HMO is a Medicare Advantage plan with prescription drug coverage (MAPD). In fact, Anthem Blue Cross Blue Shield offers this plan only in Hartford county in the state of Connecticut. This, like all HMO plans, require that participants use in network providers. If you choose to use out of network providers, this plan will not cover your expenses. An exception to this would be urgent or emergency care which allows of of network services.
The plan has a monthly premium of $26. This would be in addition to the part B premium of $121.80. There are no referrals required for this plan. Co-pays for a primary doctor are $15 and $40 for a specialist. The plan has an annual out of pocket max of $6,100 per year. Annual maximum indicates the most the insured would need to pay in medical claims for the year. You can not apply either Monthly premiums or cost-sharing for part D prescription drugs to the maximum out of pocket amount.
You can add dental services to the plan for an additional premium. In Addition, Silver Sneakers is included in the $26 monthly premium and pays a local gym membership monthly fee. If you use approved diabetic supply vendors your diabetic supplies are covered at 100%.
This plan offers prescription drug coverage with $220 annual deductible. This deductible applies only to tiers 2-5. The plan excludes both Tiers 1 and 6 from this deductible. There is no limit to how much the plan will pay.
A Medicare Advantage plan should not be confused with a Medicare Supplement plan (also called Medigap).
MAPD plans offer both medical and drug benefits combined with the insurance company as the primary insurance. With a Medicare Supplement, original Medicare is primary. The insurance company would be the secondary insurance. As a result, a Medicare Supplement plan does not have a network. Because members may see any provider that participates with Original Medicare, it is different from an Advantage plan.