The infamous Secure Horizons plan from United Healthcare is
now called the Medicare Complete plan. United Healthcare launched Secure
Horizons, the nation's first Medicare HMO plan, in 1985 and has since been one
of the most recognized Medicare Advantage plans for many years. The plan
currently administers healthcare benefits for more than 360,000 Medicare
beneficiaries in California alone, where the company is headquartered.
Depending on which county you reside in you may have several
Medicare Advantage plans to choose from. To enroll in a plan, you must be
eligible for Medicare Part A and continue to pay your Medicare Part B premiums
every month. With the Medicare Complete Plan (HMO) you will receive care by
using a group of local contracted doctors and hospitals that coordinate your
care. Your annual Out-of-pocket costs are usually lower for these types of
plans than most other plans.
Benefits of the
Medicare Complete Secure Horizons HMO
The Medicare Complete HMO plans offer all of the benefits covered
under Original Medicare A & B and more. While the exact benefits vary
depending on your specific plan (because they vary by county), the plans
provide:
·
Access to medical care through a trusted network
of contracted doctors, specialists and hospitals
·
Assistance with financial protection through
annual limits on out-of-pocket health care expenses
·
Annual Preventive care services at no cost ($0
co-payment) including an annual routine physical
·
Worldwide coverage for emergency care
If you choose to go to a doctor or hospital that is outside
of the covered network, you must pay for these services yourself, except in
certain situations such as emergency care. Neither the Medicare Complete Plan
nor the Original Medicare Plan will pay for these services. While the exact
benefits vary depending on the specific plan for your county, the plan may also
include:
- Medicare Part D prescription drug coverage (includes a 4 Tier Formulary Drug List)
- Coverage for additional preventive services such as routine vision, hearing, and dental
Optional Dental, Vision & Hearing Aid packages are
available with Medicare Complete HMO ranging from $6 - $39/mo.
All of these great features and benefits for little to no
cost - now that is value! So if you are like most retirees in today's world
that are on a low or fixed income, or if you are in great health and you never
go to the Doctor, the Secure Horizon also known as the Medicare Complete plan
is perfect for you! This way you only spend your hard earned money when you
really have to use your benefits.
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