Evercare Medicare Insurance
Evercare Medicare insurance offers Special needs Advantage plans
Evercare branded Medicare Advantage plans are underwritten by United Health Care. United Health Care also offers the AARP Medicare Complete plans by Secure Horizons.
Where as AARP Medicare Complete is suited to the vast majority of Medicare beneficiaries that may consider an Advantage plan, Evercare Medicare insurance is specifically designed for segments of the population that are designated as having special needs. To be considered as a member of a special needs plan, you must meet certain criteria outlined by the plan.
Types of Evercare Advantage plans
Evercare Medicare insurance includes the following types of Medicare Advantage plans:
Health plans for people with limited incomes.
If you are enrolled in Medicare and qualify for Medicaid benefits through your State, you are considered to be dual-eligible, and may benefit from this Evercare plan.
Check to determine if you qualify for full Medicaid benefits, as this can affect the benefit level of the Evercare plan for people with limited incomes. One benefit of this plan is the wellness services that are often included. Some benefits go beyond what would be available for people with both Medicare and Medicaid.
Health plans for people with specific long term illnesses.
These Evercare plans are designed to serve the needs of people with specific long-term illness including, cardiovascular disorders (like coronary artery disease), chronic heart failure and diabetes.
Plans for specific long-term illnesses offer additional benefits beyond original Medicare and give the beneficiary fixed co-pays for many services. The plan focuses on preventative care and regular visits to the doctor so changing conditions can be monitored and managed appropriately.
Health plans for people in nursing homes.
Evercare health insurance is available for those Medicare beneficiaries that are confined to a nursing home. Evercare supplements nursing facility services by including more covered benefits and a Nurse Practitioner for no extra monthly premium.
This plan gives nursing home residents personal individualized care with a higher level of coordinated case management.
Choosing the right plan
Evercare offers Special Needs Medicare Advantage plans that provide full Medicare health care coverage, prescription drugs, plus additional benefits and services for those Medicare beneficiaries that meet the plans qualifications.
If you meet one of the qualifications for enrollment into an Evercare Medicare plan, it would be in your best interest to explore your options. Many people who qualify for a Special needs Medicare Advantage plan are unaware of their options and choose a plan that would be better suited to someone who didn’t have the special needs.
If for instance, you qualify for an Evercare Medicare insurance plan because of a limited income, and you choose Medicare Complete, you may not be maximizing your benefits and may actually have higher out-of-pocket costs.
It’s important to discuss your situation with an agent that can point you in the right direction so you can get the best Advantage plan for your situation.
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Comments
My mother had Evercare insurance and I said when I would need a supplemental health plan it would be a Evercare Medicare Plan.
Deborah, Evercare is a Medicare Advantage plan not a supplemental health plan. Evercare is considered a Special Needs Plan. It is designed for people on Medicare who either; have a qualifying chronic illness, have both Medicare and Medicaid or are confined to an institution. If you do not meet any of those categories you will not be able to enroll. There are other Medicare Advantage plans offered by United HealthCare that may be available in your area.
Visit the Medicare website and search for plans in your area by entering your zip code. Also, as a side note Evercare will be known under a different name in most areas for 2012. Read this article On United HealthCare 2012 Medicare Brand Changes to learn more.
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