To learn more about MercyCare’s Medicare Advantage 2014 plans’ lower rates and new benefits, to enroll, or for information about our free seminars, call MercyCare daily, 8 am-8 pm, (855) 517-6280 or (800) 947-3529 TTY/TDD. MercyCare Sales Representatives Tracy Craker or Sherrie Sargent will be present at all seminars with information and applications.
Obamacare’s Impact on Medicare Advantage
Build on the steady progress in risk adjustment. Risk adjustment is a tool used to address selection bias in Medicare Advantage and other private insurance programs. The goal is to mitigate an insurer’s ability to tailor plans to attract a disproportionate share of the most profitable enrollees—healthier enrollees that consume less medical services. Every major Medicare reform proposal, based on premium support, would provide risk adjustment or significantly improve the risk-adjustment formulas or mechanisms that currently exist in the MA or Medicare Part D program. Risk adjustment could either be prospective or retrospective. Prospective risk adjustment already characterizes Medicare Advantage and Medicare Part D, where government per capita payments are adjusted by demographic factors, such as age, sex, institutional or Medicaid status, and medical conditions. Retrospective risk adjustment—back-end adjustments—would be based on new pooling arrangements, such as a risk-transfer pool. In that arrangement, health plans that attracted higher-risk or more costly patients would be cross-subsidized by plans that attracted fewer high-risk or less costly patients. The value of these types of arrangements is that they would be based on hard data and not on educated guesswork or projections. The Wyden–Ryan plan, for example, includes such an approach. The Heritage proposal would include both prospective and retrospective risk adjustment. Applying the lessons from MA’s risk-adjustment experience could mitigate the risks that only the unhealthy would be stuck in Medicare fee-for-service plans, leaving the plans’ costs to escalate and grow further away from the premium support benchmark, and thus more expensive for enrollees. Over the past decade, as Alice Rivlin and others have noted, the risk-adjustment mechanism used in Medicare Advantage has significantly improved and succeeded in reducing favorable selection in the program. In the future, with the adoption of defined-contribution financing for the entire Medicare program, one can expect further refinements and innovative approaches to adjusting government per capita payments. One particularly interesting approach has been developed by Zhou Yang, professor of economics at Emory University. Professor Yang’s proposal, to be implemented within an environment of competitive health plans, would tie Medicare payments to positive behavioral changes: Enrollees would be rewarded for enrollment in wellness or preventive-care programs that promote a healthier (and thus less costly) lifestyle.
Arizona Medicare Advantage Plans with Part D (Prescription Drug) Coverage
The plans below offer Medicare Advantage and Part D coverage to Arizona residents. Medicare Advantage plans, also known as Medicare Part C, are alternatives to original Medicare. These plans help cover the costs of services provided by hospitals, doctors, lab tests and some preventive screenings. These plans’ Part D component helps cover prescription drugs. Even if a plan’s monthly premium is $0, you would still pay the equivalent of the original Medicare premium. Not all plans shown here will be available to you; enter your zip code to see plans in your area. You can read about whether Medicare Advantage is right for you. If you only want plans with drug coverage, browse Prescription Drug (Part D) Plans.
NCPC List: Organizations Approved by Medicare to Offer Medicare Advantage and Part D Prescription Drug Plans
AARP Advantage Health Solutions, Inc Abrazo Advantage Health Plan AdvantageCare Advantra PPO Aetna Medicare Alliance Medicare HMO Alliance Medicare PPO AlohaCare American Health Medicare American Pioneer Life Insurance Company American Progressive Life & Health Ins Co of NY AmeriHealth Advantage AmeriHealth Mercy Plan AmeriHealth Rx Anthem Blue Cross and Blue Shield Arkansas Blue Cross and Blue Shield Arkansas Community Care, Inc Asuris Northwest Health ATRIO Health Plans Auxilio Platino Avalon Health, LTD AvMed Medicare Plan BC Life & Health Insurance Company Blue Care Network Blue Cross & Blue Shield of Rhode Island Blue Cross and Blue Shield of Florida, Inc. Blue Cross and Blue Shield of Louisiana Blue Cross and Blue Shield of Massachusetts Blue Cross and Blue Shield of Minnesota Blue Cross and Blue Shield of Montana Blue Cross and Blue Shield of Nebraska Blue Cross And Blue Shield Of Oklahoma Blue Cross and Blue Shield of Vermont Blue Cross Blue Shield Healthcare Plan of Georgia Blue Cross Blue Shield of Alabama Blue Cross Blue Shield of Georgia Blue Cross Blue Shield of Michigan Blue Cross Blue Shield of North Carolina Blue Cross Blue Shield of North Dakota Blue Cross Blue Shield of Wisconsin Blue Cross Blue Shield of Wyoming Blue Cross of Idaho Blue Cross Of Idaho Hlth Services Inc Blue Cross Of Illinois Blue Shield of California BlueChoice HealthPlan BlueCross BlueShield of South Carolina BlueCross BlueShield of Tennessee California Health Plan Capital Advantage Insurance Company Capital Health Plan Advantage Carelink Advantra PPO CarePlus Health Plans, Inc. CareSource Cariten Senior Health CDPHP Medicare Choice Chinese Community Health Plan CIGNA HealthCare Citizens Choice Healthplan Citrus Health Care, Inc. Clear Choice Health Plans CommunityCare HMO, Inc. Dean Health Insurance, Inc. Desert Canyon Community Care Educators Mutual Insurance Association Elder Health Mid-Atlantic, Inc. Elderplan, Inc. Empire BlueCross BlueShield Essence Inc. Evercare Of Texas, LLC Excellus Health Plan, Inc. Fallon Community Health Plan Familycare Health Plans, Inc. First Health Premier First Medical Health Plan, Inc. First United American Life Insurance Company FIRSTCARE Advantage Florida Health Care Plan, Inc. FOX Insurance Company Freedom Health, Inc. Fresenius Medical Care Health Plan Fresenius Medical Care Health Plan, Inc. – Texas Geisinger Health Plan Gold Generations Healthcare GHI Medicare Choice PPO Group Health Cooperative Gundersen Lutheran Health Plan, Inc. HAP Senior Plus HMO Harvard Pilgrim Health Care Health Alliance Medical Plans Health Net HealthCare Select Healthfirst Medicare Plan HealthNow New York Inc. HealthPartners HealthPlus of Michigan Healthspring Healthsun Health Plans, Inc. Highmark Inc. HIP Health Plan of Greater New York HomeTown Health Plan Horizon Blue Cross Blue Shield of New Jersey, Inc. Humana Independent Health InStil Health Insurance Company Inter Valley Health Plan John Deere Health Plan, Inc. Kaiser Permanente Keystone 65 Leon Medical Centers Health, Inc. Liberty Health Advantage, Inc. Lovelace Insurance Company Mapfre Life Insurance Company Marquette National Life Insurance Company MCS Classicare Medco Health Solutions, Inc. Medcore HP Medica HealthCare Plans, Inc. Medical Associates Clinic Health Plan of Wisconsin Medicare y Mucho M