AARP Medicare Complete
AARP Medicare Advantage Plan from Secure Horizons
A quick visit to Medicare’s official website will list dozens of plan options in most areas of the county. In today’s post we’re going to take a look at the AARP Medicare Complete Advantage Plan offered by Secure Horizons.
In many cases, the AARP Medicare Complete plan has become the go to plan for insurance agents representing Secure Horizons since the Secured Horizons private fee-for-service plan is non-renewing for 2010 in so many service areas.
Benefit Plan selections are numerous. AARP Medicare Complete plans include HMOs, PPOs and Point of Service (HMO-POS). Plans vary from one service area to another, with HMOs being most popular in large metropolitan areas.
Moving from one plan to another
Many of the AARP Medicare Complete plan members that were enrolled in a HMO in 2009, simply let their plan renew for 2010. The big change, as reported by agents across the county, has been from the 2009 Secured Horizons PFFS plan to one of the PPO plans available for 2010.
One popular plan that is widely available is the AARP Medicare Complete Choice Plan 2. This plan is a regional PPO and has a fairly credible network of providers available for members.
One benefit of a PPO is the availability for the member to go out of network if they desire. Cost sharing will be lower if a network provider is utilized, but it’s nice to know that you have the freedom to choose your own doctor.
You must name a network provider as your primary physician, but are not obligated to use them. In addition, referrals are not required to see a specialist.
Checking the benefits
The AARP Medicare Complete Choice Plan 2 in particular does not require a monthly premium (other than continued payment of your Part B) and does include the Part D prescription drug benefit with no annual deductible.
Co-pays for doctors and out-patient services are reasonable and the per day hospital co-pay is only required for the first six days at an in-network hospital.
One less than positive feature is the much higher co-pay for an out of network hospital stay and an increase in the number of days that the co-pay is required. It’s important to check the provider directory to make sure that you are comfortable with the hospitals that are in network.
Some members are not too concerned that the co-pay is higher out of network, recognizing that given today’s technology, hospital stays are becoming shorter and shorter.
Value added benefits
The plan includes value added benefits, such as; vision, dental and hearing services. Theses services are not going to cover 100%, but they are beyond what original Medicare will cover. The Silver Sneakers gym membership is also available in many service areas.
You can compare the AARP Medicare Complete plans with other Medicare Advantage Plans in your area by visiting Medicare’s offical website or by consulting the Medicare publication, “Medicare and You”.
Did you enjoy this post? Why not leave a comment below and continue the conversation, or subscribe to my feed and get articles like this delivered automatically to your feed reader.
Comments
Your best bet is to contact Secured Horizons rather than playing hit and miss with various websites. Link to Secured Horizons contact page here
https://www.securehorizons.com/members/contactcustomerservice.html
Please send a list of dentist that are approved and honor
your medicare complete dental program.
The hmo-pos w/deluxe. plan None in my area honor this plan.
Thank Patrick
I post commentary on many different plans and information on Medicare plans in general. I do not speak for Medicare Complete. I did find a link that you may find helpful.
https://www.securehorizons.com/ourplans/findaphysician.html
If this does not get you the information that you require, I would suggest contacting a local agent who represents Medicare Complete.
Plans differ from one area to the next. here is a direct link to the “contact us” page on the secured Horizons website. Let them know what State and County you reside in when you ask your question.
https://www.securehorizons.com/members/contactcustomerservice.html
I AM A AARPPPO MEMBER AND NEED A LIST OF ORTHOPEDIC SURGEONS IN THE MIAMI AREA THAT ARE AFFILIATED WITH THE AARP PPO. PLEASE ADVISE ASAP
You can conduct a search in the Miami area by visiting the following link.
https://www.securehorizons.com/ourplans/findaphysician.html
I hope that you find what you are looking for. Keep in mind that with a PPO you can choose non-network physicians and pay the higher co-pay.
I am a member of Humana in Boynton Beach Florida and I am very unhappy with the policy and their customer service, I need AARP:S help in finding and much better Health Ins. company. Can you please help me. Thank you, Richard Levine
A good resource in situations like this is your local Area Council on Aging. Search for area council on aging in your county online to find a local office.
They often work with trusted insurance agents who represent several different companies. Also, if you are an AARP member, you can call their toll free number to get information.
Gwyn, I’m a big fan of speaking with a local agent. This way you get to spend a few minutes face to face with someone who will answer your questions and take the time to make sure the plan is right for you. If you do not know a local broker in your area that represents Secure Horizons, I would suggest that you call your local Area Council on Ageing or similar organization, as they typically have relationships with agents that they trust.
I and My wife, have AARP/Medicarecomplete(HMO)insurance.I want to change the PPO insurance now.Ask how wants to replace the insurance? The couple gather adds pays expense together.Ask how many insurance premium is?
Thanks for your help !
William Huang
I’m trying to download Evidence of coverage 2010. I got 2009 & went to a different site to try to get 2010 & got 2008. Why is this old info on SECURE HORIZONS SITE? betsyfilz