Available Medicare plans video transcript
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 in good company. More than 140,000 Michiganders have chosen a Priority Health Medicare Advantage or Medigap plan.
Priority Health MAPD plans
For Medicare Advantage plans with prescription drug coverage, we offer six 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 KeySM – our zero dollar plan. That's right, the monthly premium is $0 in every county in Michigan's Lower Peninsula. This is an HMO-POS plan, which means you can choose to see doctors, and hospitals in the plan's network. Or, with the point-of-service option, the POS part of the plan, you can see any doctor who accepts Medicare – but you'll pay less when you use doctors and hospitals in our network. PriorityMedicare Key has a low in-network deductible and there is no maximum benefit limit.
Your second option is PriorityMedicare IdealSM. 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. This plan has a low combined medical deductible and low inpatient hospital copays. The monthly premium is just $14 anywhere in Michigan's Lower Peninsula.
Your third option, PriorityMedicare ValueSM, 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 $8 and go to $61.
Your fourth option, PriorityMedicare MeritSM, 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 $42 to $88.
Your fifth option, PriorityMedicareSM, 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 $78 and go to $153.
Your sixth option, PriorityMedicare SelectSM, is a PPO too. 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 $137 to $197.
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 and 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 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 $135 per month.
Medicare Supplement Plan C
Medigap Plan C covers everything in Plan D, as welll as the Part B deductible. Plan C is the other Medigap plan available to Medicare-eligible people under 65. Premiums start at $153 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 $97 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 $126 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 $158 a month.
You can learn more about the plans we offer and enroll online anytime, here at prioritymedicare.com. Thanks for watching.
Priority Health has HMO-POS and PPO plans with a Medicare contract. Enrollment in Priority Health Medicare depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.
Out-of-network/non-contracted providers are under no obligation to treat Priority Health members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. 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.
Y0056_4000_4004_1804 CMS-accepted 09162017
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.