Reviewing The Best Medicare Plans and Medicare Insurance

Advocare Wisconsin Medicare Advantage Plans Review

Advocare offers several Medicare Advantage Plans throughout Wisconsin.  The plans are labeled as follows:  Advocare Vitality RX, Advocare Spirit RX, Advocare Spirit, Advocare Essence RX, and Advocare Essence.  The plans differ in benefits offered as well as costs for having and using the plans.  The plans are all HMO-POS plans.  The plans without the RX obviously do not offer drug coverage.  Below are the highlights of coverage:

Advocare Essence

  • Premium – $0
  • Max Out-of-Pocket In-Network – $3,400
  • Hospital Co-pay – $300 days 1-5
  • Doctor Co-pays – Primary – $0; Specialists – $20
  • Outpatient Surgery – $0 – $250 Co-pay
  • Labs and X-rays – $0; $0 Co-pay
  • Diagnostic Tests – $0
  • No Part D Drug Coverage

Advocare Essence RX

  • Premium – $39
  • Max Out-of-Pocket In-Network – $3,400
  • Hospital Co-pay – $300 days 1-5
  • Doctor Co-pays – Primary – $0; Specialists – $20
  • Outpatient Surgery – $0 – $250 Co-pay
  • Labs and X-rays – $0; $0 Co-pay
  • Diagnostic Tests – $0
  • Part D Drug Co-pays – Tier 1 – $6; Tier 2 – $35; Tier 3 – $70; Tier 4 – 33%

Advocare Spirit

  • Premium – $118
  • Max Out-of-Pocket In-Network – $900
  • Hospital Co-pay – $50 days 1-5
  • Doctor Co-pays – Primary – $0; Specialists – $20
  • Outpatient Surgery – $0  Co-pay
  • Labs and X-rays – $0; $0 Co-pay
  • Diagnostic Tests – $0
  • No Part D Drug Coverage

Advocare Spirit RX

  • Premium – $167
  • Max Out-of-Pocket In-Network – $900
  • Hospital Co-pay – $50 days 1-5
  • Doctor Co-pays – Primary – $0; Specialists – $20
  • Outpatient Surgery – $0  Co-pay
  • Labs and X-rays – $0; $0 Co-pay
  • Diagnostic Tests – $0
  • Part D Drug Co-pays – Tier 1 – $6; Tier 2 – $35; Tier 3 – $70; Tier 4 – 33%

Advocare Vitality

  • Premium – $192
  • Max Out-of-Pocket In-Network – $0
  • Hospital Co-pay – $0
  • Doctor Co-pays – Primary – $0; Specialists – $0
  • Outpatient Surgery – $0  Co-pay
  • Labs and X-rays – $0; $0 Co-pay
  • Diagnostic Tests – $0
  • No Part D Drug Coverage

Advocare Vitality RX

  • Premium – $254
  • Max Out-of-Pocket In-Network – $0
  • Hospital Co-pay – $0
  • Doctor Co-pays – Primary – $0; Specialists – $0
  • Outpatient Surgery – $0  Co-pay
  • Labs and X-rays – $0; $0 Co-pay
  • Diagnostic Tests – $0
  • Part D Drug Co-pays – Tier 1 – $6; Tier 2 – $35; Tier 3 – $70; Tier 4 – 33%

What’s interesting here is that each plan offers a version with and without drugs which is somewhat unusual.  Most people will need drug coverage unless you have it through VA or some other plan that will allow you to keep it as well as having a Medicare Advantage plan.  The Advocare Vitality RX plan is unique in that it has zero co-pays for services, but along with that comes a nice sized premium.  At this cost, be aware of what Medicare supplements cost.  With a Medicare supplement plan F you will also have no out of pocket costs except for the premium; however, you are not restricted by the HMO!  You can find more information on the plans by visiting the Advocare website.

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