When choosing a Medicare Plan, it is important to get the most coverage for your specific healthcare needs.  Although your original Medicare Plan may not cover all the costs of your healthcare, you can add Plans to your Medicare Plan.  These added plans can help you get the additional healthcare insurance you need to cover costs of healthcare.  Popular Medicare Advantage Plans that can be added include HMO, PPO, PFFS, Medicare Special Needs and MSA.  

 

Medicare Plans available in Grand Rapids, MI are largely offered by Humana Healthcare Insurance.  After searching your area, Grand Rapids, MI, the results give us the Plans HumanaChoice H5826-053 (Regional PPO), HumanaChoice R5826-072 (Regional PPO), and HumanaChoice R5826-006 (Regional PPO).  A PPO Plan stands for Preferred Provider Organization plan. A Regional PPO offers the same benefits of a PPO Plan; yet, the benefits come from providers who are specific to the area in which you live.  A Plan specified to your hometown area may not be available in other areas in the United States.   Since a PPO plan is a part of the Medicare Advantage Plan, the medical services are given by specific doctors and hospitals in your area.  If you do not use these specific doctors or hospitals, your Plan will not be applicable.  Therefore the Plan only works in the area you provided. 

 

What benefits does the new addition to my Medicare Plan give me?

You will benefit from additional healthcare cost coverage when you add a new Plan to your original Medicare Plan.  After entering your zip code to the box above, you will be given additional Plans specific to your area.  Each Plan you are given may provide you with added benefits to the following four areas.  These include the added benefits of Office Visits, Hospital Inpatients, Hospital Outpatients, and Pharmacy. 

 

Office visits will include your visits to the office of a doctor in your area.  These office visits are classified as either a primary care or specialized (such as an orthopedic doctor or radiologist).  You will have a different copayment depending on the type of visit.  Hospital Inpatient coves an overnight stay at the hospital (your plan may specify a minimum number of nights needed in the hospital for you to be covered).  Hospital Outpatient covers services due to a hospital visit that was not and over-night visit.  It may also cover medical services that did not require hospitalization.  If you receive Pharmacy coverage from your Plan, this means that your will receive coverage on your prescription drug costs.

 

What are the costs associated with my new Plan?

 

For the Plan HumanaChoice H5826-053 (Regional PPO), there is no cost of a monthly premium.  A primary care office visit will have a $10 co-pay.  A specialty office visit will have a $30 co-pay.  If you use the services of a hospital inpatient, you will have a $550 co-pay for your visit (there is no variation for the number of nights you stay).  A Hospital Outpatient will have a $50-$90 co-pay for each visit.  This plan does not offer Pharmacy coverage of prescription drug costs. 

 

HumanaChoice R5826-072 (Regional PPO) has a monthly premium of $96.  You will have a $15 co-pay for any primary care office visit.  A specialty office visit will have a $35 co-pay.  Hospital Inpatients will be charged a $225 per day co-pay for days 1-7 of their hospital stay.  Days 8-90 have $0 co-pay per day.  The co-pay for hospital outpatients ranges from $100-$150 depending on the cost of each visit.  Finally, in this Plan, Pharmacy benefits will cover your necessary prescription drug costs.

 

If you are interested in getting a Medicare Plan and live in Michigan, please contact the Medicare experts at MyBestMedicare.  They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap, or Medicare Supplement Plan for you.