United Healthcare Medicare Complete Plan 3 Connecticut
United Healthcare Medicare Complete Plan 3 Connecticut is a Medicare Advantage plan with Prescription Drugs (MAPD) offered by United Healthcare Medicare. The Medicare Complete Plan 3 is an HMO plan. UHC offers Medicare Complete Plan 3 in Fairfield, Hartford, Litchfield, Middlesex, New Haven, New London, Tolland as well as Windham counties. The plan has both a $0 monthly premium and an annual out of pocket max of $6,700 (Medical only). It features co-pays of $20 for primary doc visits as well as $50 for specialist visits. If you would like coverage for a specialist visit, you will need a referral from you PCP. Referrals are valid for the full year. This plan provides additional benefits for vision, foot-care, hearing aids, SilverSneakers fitness program as well as NurseLine. This plan includes basic preventative dental services.
This Plan includes Preventative care at no cost.
In additional expenses the plan covers are, annual wellness visits, mammograms, colonoscopy and also annual gynecological exams. Plan members pay nothing for hospice care from a Medicare-certified hospice.
The drug plan has a 5 tier copay plan with a $140 deductible for Tiers 3,4 and 5 only. Like all other part D and MAPD drug plans in CT, there is a Coverage Gap ( donut-hole) applicable to this Rx benefit. Although it is an HMO plan, the Medicare Complete 3 does have the 2016 UHC Passport Program which provides access to doctors in other states on an in-network basis. Passport is not available in all states. A dental benefit is available with this program but there is a premium for adding it.
A Medicare Advantage Plan with Prescription Drugs (MAPD) is NOT a Medicare Supplement plan (Also called Medigap). With an MAPD plan, Medicare is not the primary or secondary insurance. The company offering the MAPD is your primary insurance and services must be obtained through participating providers in most cases. A Medicare Supplement plan is secondary to Original Medicare and does not include Part D prescription drug coverage. With a Medicare Supplement, there is not a network but instead, the insured would go to any provider that accepts or participates with Original Medicare.
Both a 2016 Summary of benefits and 2016 application are available in the links below. You can send your application back to us either by email at Admin@croweandassociates.com or by fax at 203-567-6235
Interested in a lower maximum out of pocket plan? Click here to learn more about the United Healthcare Complete Plan 1.