Available Medicare plans video transcript
Welcome to Understanding Medicare by Priority Health.
Now that you have a better understanding of your Medicare options, let's examine the plans available from Priority Health. When you choose Priority Health, you're choosing a plan that gives you more. No matter what your priorities are when it come to your health, you can rest assured you're getting quality coverage at a price you can afford, because that's just smart. Plus, we always go the extra mile to give our members more – more benefits, more extras, more of what you want. With built-in benefits, like vision, dental and hearing coverage, plus extras like a no-cost SilverSneakers fitness membership, an out-of-state travel benefit and more, it's no wonder why we're the smart choice for Medicare in Michigan.
And we're not the only ones who think we're the smart choice for Medicare coverage: Our Medicare Advantage plans are the highest rated in the state, and some of the highest-rated in the nation.1 And 97% of our Medicare members stay with us, compared to the national average of 88%.2
Let's learn more about our plans
For Medicare Advantage plans with prescription drug coverage, we offer nine options. Whichever you choose, you'll need to first enroll in Medicare Parts A and B. Your Priority Health monthly premium will be based on the coverage you choose, and the county in which you live.
Your first option is PriorityMedicare Key – a zero dollar plan. That's right, the monthly premium is zero in every county in Michigan's Lower Peninsula. PriorityMedicare Key also has a low in-network deductible and there is no maximum benefit limit. This is an HMO-POS plan, which means you can choose to see doctors and hospitals in the plan's network. With the point of service, or POS, part of the plan, you can also see any doctor in Michigan who accepts Medicare, but you'll pay less when you use doctors and hospitals in our network.3 And, with our out-of-state travel benefit included on all plans, you can see any provider that participates with Medicare in the US when you're outside of Michigan and pay the same as when you're in network. Plus, our partnership with MultiPlan makes accessing Medicare-participating providers even easier.
Your second option is PriorityMedicare Edge, a zero-dollar plan that doesn't break the bank and is available in select counties in Michigan. This is a PPO plan, which means you have the freedom to go to doctors and hospitals that are outside of our network, but you'll have lower out of pocket costs when you use those in our network. And you'll also be able to use your out-of-state travel benefit anywhere in the U.S. when outside of Michigan and pay the same as when you're in-network. This benefit is available on all plans.
Your third option is PriorityMedicare Ideal. It's a PPO plan, as well. This plan balances low monthly premiums with an affordable medical deductible and copays. The monthly premium is $24, anywhere in Michigan's Lower Peninsula.
Your fourth option, PriorityMedicare Value, stands out in the market because it doesn't have an in-network medical deductible and still maintains a low premium. It's an HMO-POS plan. If you prefer a plan with coverage when you need it and lower monthly premiums, PriorityMedicare Value is worth a look. Monthly premiums start as low as $16 and go to $72.
Your fifth option, PriorityMedicare, is an HMO-POS too. It has a low out of pocket maximum and there is no deductible for prescriptions This plan is great for people that want richer coverage – knowing they will have lower out of pocket costs when they need care. Monthly premiums start as low as $74 and go to $127.
Your sixth option, PriorityMedicare Merit, is another PPO plan. With this plan, there is a low in-network medical deductible, a low out-of-network coinsurance and low out-of-pocket maximum. Monthly premiums range from $63 to $121.
Your seventh option, PriorityMedicare Select, is also a PPO plan. While it has a higher premium than our PriorityMedicare Merit plan, it offers lower copays with no deductibles for in-network medical or prescriptions. Monthly premiums start as low as $149 to $225.
Your eighth option, PriorityMedicare Compass is a $0 PPO, with a zero dollar medical and prescription deductible, and $0 Virtual Care. This $0 premium plan includes the benefits you need and the extras you want. Hearing, vision, and dental coverage, and a fitness membership to name a few.
Your ninth option is PriorityMedicare Vital. The Vital plan is a $0 hassle-free plan that works like Original Medicare but offers you so much more. The protection of a maximum out-of-pocket limit, drug coverage, hearing, vision, and dental coverage, a fitness membership and an over-the-counter allowance. Plus, a $360 per year Part B premium credit. Getting the most from your health plan has never been more Vital.
Priority Health Medigap plans
If you're not sure a Medicare Advantage plan is right for you, we can still help. You can add a Medicare supplement plan – also called a Medigap plan – to Original Medicare (Parts A & B) to cover costs that Medicare doesn't.
All Medigap plans offer the same benefits, no matter which insurance company you choose. What varies is the premium you pay and how much – or how little – customer service you receive. Your monthly premium is based on the county you live in, your gender, age, and health – and whether you use tobacco products. Medigap plan options are identified by letters, but they're very different than Medicare's "parts".
We offer six Medigap plan options that build your coverage.
Medicare Supplement Plan A
Plan A, generally speaking, is the least expensive but also covers the least. It's sort of like the foundation of a house. It gives you a solid base to work from. Plan A covers copayments when you're hospitalized or coinsurance when you see your doctor or get outpatient hospital services. Plan A is one of the Medigap plans available to Medicare-eligible people under 65.
Medicare Supplement Plan D
Medigap Plan D covers everything in Medigap Plan A, plus your annual Medicare Part A deductible, your copayment for skilled nursing, and emergency care when you're traveling, for a premium starting at $122.95 per month.
Medicare Supplement Plan C
Medigap Plan C covers everything in Plan D, as well as the Part B deductible. Plan C is the other Medigap plan available to Medicare-eligible people under 65. Premiums start at $167.02 per month.
Medicare Supplement Plan N
Medigap Plan N has similar coverage to Plan D, but with small copayments for office and emergency visits. Premiums start at $110.74 per month.
Medicare Supplement Plan G
Medigap Plan G, covers everything in Plan N, plus you won't have to pay copayments. You will have to pay your Part B deductible, but excess charges over what Medicare approves will be covered. Premiums start at $135.97 a month.
Medicare Supplement Plan F
Medigap Plan F is another popular plan. It covers everything that Plan G does, plus all your deductibles including Part B, copayments and coinsurance, AND it covers excess charges beyond what Medicare will approve. All this with premiums starting at $175.38 a month. This plan has age restrictions for new members looking to enroll.
You can learn more about the plans we offer and enroll online anytime, here at prioritymedicare.com. Thanks for watching.
1Priority Health HMO-POS Medicare Advantage plans are the highest-rated HMOPOS plans in Michigan, and some of the highest-rated Medicare insurance plans in the nation with a rating of 4.5 out of 5 in the NCQA Medicare Health Insurance Plan Ratings 2019–2020.
2According to the 2019 Medicare Advantage Health and Drug Plan Disenrollment Reasons Survey Results issued by the Centers for Medicare and Medicaid Services (CMS), September 2020. Results for HMO-POS plans.
3Out-of-network/non-contracted providers are under no obligation to treat Priority Health members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Only beneficiaries first eligible for Medicare before Jan. 1, 2021 may purchase Plans C and F.
Priority Health has HMO-POS and PPO plans with a Medicare contract. Enrollment in Priority Health Medicare depends on contract renewal.
Note: Neither Priority Health Medigap plans nor agents authorized to sell Priority Health Medigap plans are connected with or endorsed by the United States government or the federal Medicare program.