Reviewing The Best Medicare Plans and Medicare Insurance

Anthem Senior Advantage Value Basic and Plus Ohio Review

Anthem Senior Advantage Value, Anthem Senior Advantage Basic, and Anthem Senior Advantage Plus are three Medicare Advantage plans offered in Ohio through Anthem Blue Cross and Blue Shield.  Blue Cross and Blue Shield is known for it’s health care coverage, and they continue that by offering Medicare coverage to seniors and Medicare recipients.  You must reside in one of the counties where the plans are offered, but both plans are offered together as a choice for you to consider.  Below is a summary of what you will find when you enroll into one of these plans:

Anthem Senior Advantage Value (HMO)

  • Premium – $0
  • Maximum out of Pocket – $3,400
  • No referral required for specialists
  • Hospital copay – $220/day, Days 1-8
  • Doctor’s visits – $0 – Primary; $45 – Specialists
  • Outpatient Surgery – $0 – $250 copay
  • Labs – $0 copay
  • Diagnostic Procedures and tests – $0 – $140
  • X-rays – $75  copay
  • Part D Deductible – $60
  • Part D Drugs – Tier 1 = $0; Tier 2 = $43; Tier 3 = $85; Tier 4 and Tier 5 = 33%; Tier 6 = $0
  • Plan covers many generics during the coverage gap
  • Preventative dental may be purchased for $12/month
  • Preventative dental and vision may be purchased for $31/month

Anthem Senior Advantage Basic (HMO)

  • Premium – $0
  • Maximum out of Pocket – $3,400
  • No referral required for specialists
  • Hospital copay – $220/day, Days 1-8
  • Doctor’s visits – $25 – Primary; $40 – Specialists
  • Outpatient Surgery – $0 – $200 copay
  • Labs – $0 copay
  • Diagnostic Procedures and tests – $0 – $148
  • X-rays – $85  copay
  • Part D Deductible – $60
  • Part D Drugs – Tier 1 = $7; Tier 2 = $43; Tier 3 = $85; Tier 4 and Tier 5 = 33%; Tier 6 = $7
  • Plan covers many generics during the coverage gap
  • Preventative dental may be purchased for $12/month
  • Preventative dental and vision may be purchased for $31/month

Anthem Senior Advantage Plus (HMO)

  • Premium – $35
  • Maximum out of Pocket – $3,000
  • No referral required for specialists
  • Hospital copay – $135/day, Days 1-7
  • Doctor’s visits – $15 – Primary; $20 – Specialists
  • Outpatient Surgery – $0 – $105 copay
  • Labs – $0 copay
  • Diagnostic Procedures and tests – $0 – $100
  • X-rays – $65  copay
  • Part D Deductible – $60
  • Part D Drugs – Tier 1 = $4; Tier 2 = $40; Tier 3 = $83; Tier 4 and Tier 5 = 33%; Tier 6 = $4
  • Plan covers many generics during the coverage gap
  • Eye Exams and glasses covered up to $160

Note:  The Part D deductible only applies to Tiers 2 and 3.  Both plans are HMO’s, but don’t require referrals which is a nice benefit.  Just make sure your providers are all in network before joining!  You can verify your providers here.  As always, you can compare Medicare plans in your area by visiting medicare.gov.

 

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