Atrio Health Plans Bronze And Silver Medicare Plans Review

Atrio Health Plans offers Medicare Advantage plans in two counties in Oregon.  Unlike some health plans that also offer individual and group coverage, Atrio focuses on providing quality Medicare coverage.  They offer PPO plans as well as HMO and Special Needs plans.  Medicare Advantage plans can be an excellent alternative to Original Medicare and a Part D drug plan if you enroll in the right one, and the plan makes sense for you.  The plans they offer are Atrio Bronze, Atrio Bronze RX, Atrio Silver, Atrio Silver Rx, Atrio Gold, Atrio Gold RX, Atrio Platinum, Atrio Platinum RX, and the Atrio Special Needs Plan.  Let’s take a look at the Bronze and Silver plans:

Atrio Bronze RX Plan (PPO)

  • Premium – $20/monthly; $0/monthly for the Bronze with no RX
  • Out of Pocket Maximum – $3,400
  • Referrals Required for some Specialists
  • Hospital Copay – $275/day Days 1-7
  • Doctor’s Visits – Primary = $35; Specialist = $45
  • Outpatient Surgery – 20% copay
  • Labs – 15% copay
  • Diagnostic Procedures/Tests – 20% copay
  • X-rays – 20% copay
  • Part D Deductible – $0
  • Part D Drug Copays – Tier 1 = $10; Tier 2 = $45; Tier 3 = $95; Tier 4 = 33%
  • No preventative dental, vision, or hearing coverage provided
Note that the Bronze Plan offers a version with no drug coverage which has no monthly plan premium.  The benefits are identical except for the drug coverage not being offered.

Atrio Silver RX Plan (PPO)

  • Premium – $89/monthly; $47/monthly for the Silver with no RX
  • Out of Pocket Maximum – $3,400
  • Referrals Required for some Specialists
  • Hospital Copay – $225/day Days 1-8
  • Doctor’s Visits – Primary = $25; Specialist = $30
  • Outpatient Surgery –  $225 copay
  • Labs – 0% copay
  • Diagnostic Procedures/Tests – 15% copay
  • X-rays – 15% copay
  • Part D Deductible – $0
  • Part D Drug Copays – Tier 1 = $6; Tier 2 = $40; Tier 3 = $85; Tier 4 = 33%
  • No preventative dental, or hearing coverage provided
  • Vision – Eye exam for $30 copay

When comparing the Bronze and Silver plans; typically you come out ahead when choosing the plan with the lower premium.  This may not be the case if you are in poor health and plan on using many of the plan’s benefits.  You may want to consult with an independent agent in order to help you determine the right plan for you.  You may also compare plans at www.medicare.gov

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