Amerigroup plans supply aggressive premiums and $0-premium choices, however their rankings for each high quality and member satisfaction are under common.
Right here’s what you need to find out about Amerigroup Medicare Benefit.
Amerigroup Medicare Benefit execs and cons
Amerigroup’s choices have benefits and drawbacks.
Professionals
-
Low-cost plans: Seven out of 10 Amerigroup Medicare Benefit plans are $0 premium.
-
Versatile advantages: Some Amerigroup Medicare Benefit plans supply “On a regular basis Extras,” which lets members select two further advantages for his or her plan from an inventory together with cash towards assistive units, cash towards wholesome groceries, or cash towards dental, imaginative and prescient or listening to care.
-
24/7 nurse line entry: Amerigroup members might have entry to a 24/7 nurse line.
Cons
-
Restricted availability: Amerigroup gives Medicare Benefit plans in solely seven states. Most of Amerigroup’s opponents have a bigger footprint.
-
Low star and satisfaction rankings: Amerigroup plans’ common star ranking from the Facilities for Medicare & Medicaid Companies, weighted by enrollment, is 3.21 stars (the nationwide common for all suppliers is 4.15 stars), and Amerigroup’s guardian firm, Elevance Well being, got here in seventh out of 9 suppliers in J.D. Energy’s newest member satisfaction research.
-
Low-rated drug plans: Amerigroup’s stand-alone prescription drug plans obtain 2 stars from the Facilities for Medicare & Medicaid Companies.
Out there Medicare Benefit plans
There are a number of sorts of Amerigroup Medicare Benefit plans, they usually fluctuate when it comes to construction, prices and advantages. Amerigroup gives Medicare Benefit prescription drug plans, or MAPDs, in addition to stand-alone prescription drug plans and Medicare Benefit plans with out drug protection.
Plan choices embody the next sorts:
Out there Half D prescription drug plans
Most of Amerigroup’s Medicare Benefit plans embody Half D drug protection, however the firm additionally sells stand-alone Half D prescription drug plans, or PDPs, in two states: Arizona and Texas. These plans present drug protection for individuals enrolled in Medicare Half A and Half B, in order that they don’t present medical protection.
Amerigroup gives two plan choices in every state the place it sells stand-alone prescription drug plans: a fundamental possibility and a “plus” possibility with enhanced protection. For instance, should you reside in Dallas, Texas, you have got these two choices from Amerigroup:
-
Amerivantage Rx Fundamental (PDP).
-
Amerivantage Rx Plus (PDP).
Right here’s how these two plans examine:
Amerivantage Rx Fundamental (PDP) |
Amerivantage Rx Plus (PDP) |
|
---|---|---|
*For a 30-day provide of a coated Half D prescription drug at a most well-liked retail pharmacy after assembly any relevant deductible. |
Premiums, deductibles, coated medicine, prices for every tier and pharmacy preparations all differ by plan. You possibly can enter details about your prescriptions and select your pharmacy on Amerigroup’s web site to test how every out there plan would cowl your medicines.
Amerigroup Medicare Benefit plans embody quite a lot of advantages, some which might be constructed into the plan and others that members choose from a menu of “On a regular basis Extras,” if the plan contains them. Listed here are some examples, though availability varies by plan:
-
SilverSneakers: Members can go to gyms and entry reside and pre-recorded on-line health courses tailor-made to older adults.
-
Health tracker: Members could also be eligible for a well being and health tracker to assist them keep on with their health objectives.
-
Meals in your continual situation: If members have a continual situation requiring particular diet, they are able to obtain as much as two meals per day for 90 days.
-
Over-the-counter allowance: Members might obtain an allowance every quarter that they will spend on eligible non-prescription over-the-counter gadgets.
-
Pest management: For sure continual situations, members could also be eligible to have their dwelling handled recurrently for normal pests.
-
24/7 nurse line: Members might have telephone entry to a registered nurse 24 hours a day.
-
Transportation: Members could also be coated for a sure variety of rides to and from plan-approved areas.
-
Entry to extras: Plans with “On a regular basis Extras” let members select two of a number of further advantages, together with cash towards assistive units, hours of in-home companionship, or cash towards dental, imaginative and prescient or listening to wants.
Right here’s how Amerigroup members can contact customer support:
Amerigroup Medicare Benefit service space
Amerigroup gives Medicare Benefit plans in seven states. The corporate additionally gives Medicare prescription drug plans in two states.
Amerigroup’s guardian firm, Elevance Well being, is the second-largest well being insurer within the nation by market share. Amerigroup-brand plans cowl greater than 175,000 Medicare Benefit beneficiaries as of October 2022.
Prices for Medicare Benefit plans rely in your plan, your geographic location and your well being wants. One of many prices to contemplate is the plan’s premium. Seven in 10 Amerigroup Medicare Benefit plans have $0 premiums.
For 2023 Medicare Benefit plans with a premium, the month-to-month consolidated premium (together with Half C and Half D) ranges from $9.30 to $19.20. For particular wants plans, or SNPs, with a premium, month-to-month premiums vary from $17 to $35.20.
Whilst a Medicare Benefit person, you’ll nonetheless be answerable for paying your Medicare Half B premium, which is $170.10 per 30 days in 2022 ($164.90 in 2023), though some plans cowl half or all of this value. (Most individuals pay this commonplace quantity, but when your revenue is above a sure threshold, you may pay extra.)
Different out-of-pocket prices to contemplate embody:
-
Whether or not the plan covers any a part of your month-to-month Medicare Half B premium.
-
The plan’s yearly deductibles and another deductibles, equivalent to a drug deductible.
-
Copayments and/or coinsurance for every go to or service. As an illustration, there could also be a $10 copay for seeing your major physician and a $45 copay for seeing a specialist.
-
The plan’s in-network and out-of-network out-of-pocket maximums.
-
Whether or not your medical suppliers are in-network or out-of-network, or how typically chances are you’ll exit of community for care.
-
Whether or not you require further advantages, and if the plan fees for them.
To get a way of prices, use Medicare’s plan discovering software to match info amongst out there plans in your space. You possibly can choose by insurance coverage provider to see solely Amerigroup plans or examine throughout carriers. You too can store straight from Amerigroup’s web site by coming into your ZIP code.
Common star ranking, weighted by enrollment: 3.21
The Facilities for Medicare & Medicaid Companies maintains star rankings for Medicare Benefit and Medicare Half D plans on a 5-point scale, rating plans from finest (5 stars) to worst (1 star). The company bases these rankings on plans’ high quality of care and measurements of buyer satisfaction, and rankings might change from 12 months to 12 months.
Primarily based on the newest 12 months of information and weighted by enrollment, Amerigroup’s 2023 Medicare Benefit plans get common rankings of three.21 stars. There aren’t any Amerigroup Medicare Benefit plans with a better ranking than 3.5 stars.
The common star ranking for plans from all suppliers is 4.15.
The place did Amerigroup outperform?
The place did Amerigroup wrestle?
There are a couple of corporations that weigh in on well being plans or on the energy of the corporate in query, and we’ve included two right here:
AM Finest Monetary Energy Score: A (Wonderful)
AM Finest is a credit standing company that focuses on the insurance coverage business. In December 2021, AM Finest affirmed its Monetary Energy Score of A for the core Blue Cross Blue Protect-branded insurance coverage subsidiaries of guardian firm Anthem, which is now Elevance Well being. An A ranking on this class signifies that AM Finest believes the corporate has a superb capacity to satisfy its ongoing insurance coverage obligations.
J.D. Energy Rating: seventh out of 9
In its 2022 U.S. Medicare Advantage Study — the eighth it has finished to this point — J.D. Energy measured member satisfaction with Medicare Benefit plans based mostly on six elements: protection and advantages, supplier alternative, value, customer support, info and communication, and billing and fee. On these measures, Amerigroup’s guardian firm, Elevance Well being, scored 791 factors out of 1,000 and got here in seventh out of the highest 9 Medicare Benefit suppliers.
Evaluate Medicare Benefit suppliers
Get extra info under about among the main Medicare Benefit suppliers. These insurers supply plans in most states. The plans you may select from will rely in your ZIP code and county.
About Elevance Well being (previously Anthem)
Amerigroup’s guardian firm, Elevance Well being, is headquartered in Indianapolis, Indiana, and was fashioned in 2004 out of a merger between WellPoint Well being Networks and Anthem. In 2022, the corporate modified its identify from Amerigroup to Elevance Well being, however sells Medicare Benefit plans below plenty of manufacturers, together with Amerigroup.
Elevance Well being gives business medical health insurance for people and employers; Medicare Benefit and Medicaid plans; life, incapacity, dental and imaginative and prescient insurance coverage; and providers for different authorities medical health insurance packages.
In 2021, Elevance Well being had $138.6 billion in annual income.
You probably have extra questions on Medicare, go to Medicare.gov or name 800-MEDICARE (800-633-4227, TTY 877-486-2048).