Medicare Advantage Plans in Providence: Information on available plans, their locations, and other details
Providence, an insurance company, offers Medicare Advantage plans in selected areas of Oregon, Washington, and California. These plans provide additional benefits beyond prescription drug coverage (Part D), offering expanded healthcare services and supportive programs tailored to Medicare members.
Cost and Coverage Vary by Area
The cost and coverage of each Providence Medicare Advantage plan may differ depending on the region. For example, in Linn County, OR, the Providence Medicare Extra + Rx (HMO) plan has a monthly premium of $161, a $0 deductible, and a maximum out-of-pocket (in-network) of $4,000. In contrast, in Multnomah County, OR, the Providence Medicare Prime + Rx (HMO) plan has a $0 monthly premium, a $0 deductible, and a maximum out-of-pocket (in-network) of $5,000.
Comprehensive Coverage and Additional Benefits
Providence Medicare Advantage plans integrate comprehensive healthcare coverage parts A & B with Part D, as is common with these types of plans. Members also have access to virtual and in-person healthcare visits through Providence's telehealth services. Additionally, personalized healthcare management tools are available through the Providence app, allowing members to schedule appointments, conduct virtual visits, receive care team updates, and view health records conveniently.
Other benefits may include additional health programs and support services, medication therapy management (MTM), and other clinical pharmacy services. However, specific details about these benefits vary by local providers and are not explicitly detailed for Providence plans in these states.
Types of Medicare Advantage Plans
Providence offers various types of Medicare Advantage plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service Plans (PFFS), Special Needs Plans (SNPs), and Medicare Medical Savings Accounts (MSAs).
Finding Providence Plans in Your Area
Individuals can find plans available in their specific area by searching their ZIP code on the Providence website. It's also possible to compare Providence Medicare Advantage plans in their area to plans from other companies using the Medicare online search tool.
Important Considerations
Individuals may need to use an in-network pharmacy to get the lowest out-of-pocket costs for their medications. Copayment is a fixed dollar amount a person with insurance pays when receiving certain treatments, often applicable to prescription drugs under Medicare. Tier 1 is the lowest tier for prescriptions in Part D plans and typically has the lowest copay, including most generic prescription drugs.
For more detailed information about specific additional benefits such as dental, vision, hearing, fitness programs, or over-the-counter allowances, it is advisable to consult directly with Providence Medicare Advantage representatives or official plan documents.
Seeking Assistance
The State Health Insurance Assistance Program (SHIP) provides individual counseling and help at no cost. You can find more information here or by calling 877-839-2675.
- Providence Medicare Advantage plans, in addition to Medicare Part D coverage, provide access to telehealth services and personalized healthcare management tools through the Providence app.
- Beyond comprehensive healthcare coverage (Parts A, B, and D), Providence Medicare Advantage plans also offer other benefits such as additional health programs, medication therapy management, and clinical pharmacy services, though specifics may vary by area.
- Health organizations like Providence offer various types of Medicare Advantage plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service Plans (PFFS), Special Needs Plans (SNPs), and Medicare Medical Savings Accounts (MSAs).
