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renewal. Y0028_5455a_M Pros Explained
Cons Explained
Available PlansMedicare Advantage PlansExcellus offers HMO, HMO-POS, and PPO Medicare Advantage plans. Some of these plans include preventive dental care such as cleanings and X-rays, but members can also buy extra coverage for restorative and major dental care with a maximum $1,000 benefit. For 2022, some Excellus Medicare Advantage HMO, HMO-POS, and PPO plans offer discounts on insulin—$25 copayment for a 30-day supply at preferred pharmacies or $30 for a 30-day supply at standard pharmacies. Members can also get a 90-day supply of insulin for $50 at preferred pharmacies or $60 at standard pharmacies. HMO and HMO-POS PlansIn 2022, Excellus offers 72 HMO plans with prescription drug coverage and 13 without. Like most HMO plans, Excellus’s HMOs usually require members to use in-network hospitals, other health care providers, and pharmacies. In some HMO-POS plans, members may be able to see providers who are not in the network. PPO PlansFor 2022, Excellus has 75 PPO plans with prescription drug coverage and 24 without. These plans tend to be more flexible. Seeing in-network providers for covered services may cost less than going out-of-network, but PPO members can see providers who participate in Medicare but are not in the Excellus network. PPO members must generally use pharmacies in the Excellus network to fill prescriptions for covered Part D medications. Medicare Supplement Insurance (Medigap) PlansMedicare Supplement Insurance plans, also called Medigap, help Medicare members pay some of the out-of-pocket costs that Original Medicare doesn’t cover. There are 10 standard Medigap plan types, each with set benefits across all insurers. Only the premium or other costs and benefits vary depending on the insurer. Not every insurer offers all 10 plan types. Excellus offers six Medigap plans, including:
Extra BenefitsMost Medicare health plans include extra benefits beyond core medical coverage. These extras typically include dental, vision, hearing, fitness, and other benefits. Many Excellus plans include fitness, hearing, vision, and dental benefits. Additionally, Excellus members can get the Blue365 discounts, which include additional discounts on fitness programs and products, eye exams and eyeglass frames, nutrition programs and products, hearing screening and hearing aids, and other wellness-related benefits. Customer ServiceProspective members: Call 800-671-6081 (TTY/TDD: 800-662-1220), 8 a.m. to 8 p.m. ET, Monday through Friday (available seven days a week between October 1 and December 30). Current members: Call 877-883-9577 (TTY/TDD: 800-662-1220), 8 a.m. to 8 p.m. ET, Monday through Friday (available seven days a week between October 1 and March 31). Online, members can use a drug cost lookup tool and a cost estimator that gives members information on average costs for more than 1,600 treatments and more than 400 procedures. With online accounts or the mobile app, members can find doctors, track deductibles and spending, and view or request a new member ID card. Customer SatisfactionThe National Association of Insurance Commissioners (NAIC) evaluates health insurers based on the number of complaints against them compared to their share of premiums. A complaint index of 1.0 or less indicates the company had fewer than expected complaints relative to its market share. A complaint index of greater than 1.0 means the company had a disproportionate number of complaints relative to its market share. Excellus’s complaint index in the individual accident and health category was well below 1.0 for 2021 (0.21), 2020 (0.11), and 2019 (0.11). In the Medicare supplement category, Excellus’s complaint index in 2021 was 3.4, though that score was based on one complaint that year. Third-Party RatingsFinancial StrengthExcellus is not rated by AM Best, the credit rating agency that assesses insurance companies’ financial strength. The company reports that Standard and Poor’s gave it a financial strength rating of “BBB+” (Stable). NCQAThe National Committee for Quality Assurance (NCQA) is one of the accrediting bodies for health insurance plans. Each year, NCQA reviews and rates accredited health plans. In the 2021 ratings, Excellus had six plans rated by NCQA. Four Excellus HMO plans scored 4.5 out of 5.0 overall, a good indication of how satisfied members are with the health plan services. Two Excellus PPO plans scored 4.0 overall. Medicare Star RatingsThe Centers for Medicare and Medicaid Services (CMS) rates Medicare plans based on a five-star rating system. Star Ratings evaluate a range of customer experience and health care quality measures. Excellus had two plans that were included in CMS’ 2021 Star Ratings. Both plans earned 4.5 out of 5.0 stars. Both plans earned 4.5 out of 5.0 on Medicare Advantage Part D and 4.0 out of 5.0 on Part C. CostIn 2022, Excellus’ Medicare Advantage plans price ranges include the following options. HMO plans with prescription drug coverage:
HMO plans without prescription drug coverage:
PPO plans with prescription drug coverage:
PPO plans with prescription drug coverage:
Though some Excellus premiums are higher than competitors, those higher premiums may be offset by lower out-of-pocket costs such as deductibles and annual out-of-pocket maximums. Competition: Excellus BlueCross BlueShield vs. AetnaExcellus and Aetna are among the largest Medicare plans in New York. In the 17 counties where both operate, Excellus generally has more Medicare Advantage plans to choose from, though Aetna has more types of coverage (e.g., Special Needs Plans, Stand-Alone Prescription Drug Plans). Aetna’s Medicare Advantage tends to have lower premiums and higher out-of-pocket maximums, on average. Excellus plans have a wider range of deductibles, but the average deductibles are lower than Aetna’s. Choosing one of these plans based on cost requires knowing what type of costs you care more about. If lowering your monthly cost is most important, Aetna works better, but you might spend more overall if you use a lot of health care services. Excellus is only available in parts of New York, so it may not be ideal for people who travel domestically or live part of the year in another state. For quality and selection of Medicare Advantage plans, though, Excellus wins.
Verdict Excellus BlueCross BlueShield is one of New York’s largest Medicare Advantage plans, offering a wide variety of Medicare Advantage options and an average of 4.5 out of 5.0 Stars from CMS. Though some plans may cost more in monthly premiums than competitor plans, out-of-pocket costs may be lower. For Medicare enrollees in upstate New York, Excellus is a popular choice for a good reason. How We Reviewed Medicare ProvidersEven Medicare health plans with a national presence can vary locally in their cost, quality, and customer satisfaction. To evaluate Medicare plans, we looked at health insurance industry ratings from the primary accrediting agency for health plans, NCQA, and the Medicare Star Ratings from CMS, the regulatory agency that oversees Medicare. We included the National Association of Insurance Commissioners’ complaint index and AM Best’s financial stability ratings. We also considered information from the companies on their programs and strategies. What is the most popular Medicare Advantage plan?Standout feature: UnitedHealthcare offers the largest Medicare Advantage network of all companies, with more than 1 million network care providers. UnitedHealthcare is the largest provider of Medicare Advantage plans and offers plans in nearly three-quarters of U.S. counties.
What are the negatives of a Medicare Advantage plan?The biggest disadvantage of Medicare Advantage plans is the closed provider networks, limiting your choice of which doctor or medical facility to use. Medicare Advantage costs are also largely based on how much medical care you need, making it more difficult to budget for health care costs.
What are 3 types of Medicare Advantage plans?Below are the most common types of Medicare Advantage Plans.. Health Maintenance Organization (HMO) Plans.. Preferred Provider Organization (PPO) Plans.. Private Fee-for-Service (PFFS) Plans.. Special Needs Plans (SNPs). What is the best Medicare Advantage plan in New York 2022?However, Humana's overall star rating for Medicare Part C increased from 3.6 for 2021 to 4.0 for 2022. These new star ratings combined with low average prices make Humana our new recommendation for the best cheap Medicare Advantage plan in New York.
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