2009 Discover Optimum HealthCare

HOW CAN I COMPARE MY OPTIONS?
You can compare our plans and the Original Medicare Plan using a Benefit Overview and a Summary of Benefits. The charts in this website list some important health benefits. For each benefit, you can see what our plan covers and what the Original Medicare Plan covers. Our members receive all of the benefits that the Original Medicare Plan offers. We also offer more benefits, which may change from year to year.

Not sure which plan best suits you? Since everyone’s health needs are different, we offer a variety of Medicare Advantage Plans, including Medicare Prescription Drug coverage, so you can choose the one that fits you and your health needs. There are a couple of ways you can compare our plans:

• By choosing a county to compare plans available within your area Select County
• by which Health Benefit is most important to you.
• By Plan Name if you already know which plan you are interested in.

WHO IS ELIGIBLE TO JOIN?
You can join if you are entitled to Medicare Part A and enrolled in Medicare Part B and live in the service area. However, individuals with End Stage Renal Disease are generally not eligible to enroll in the Gold, Platinum or Emerald Plan unless they are members of our organization and have been since their dialysis began.

CAN I CHOOSE MY DOCTORS?
As a Medicare Advantage HMO in Florida, you must stay in our network of providers. We carefully and continuously evaluate our network of physicians and other healthcare providers so we can offer the quality care that you deserve. Our network is quite extensive

DOES MY PLAN COVER MEDICARE PART D DRUGS?
As a member of the GOLD, PLATINUM, and EMERALD plans, you will receive prescription drug coverage. You can only join one Medicare Prescription Drug Plan.

Why Medicare Advantage?
Original Medicare pays for many health care services and supplies, but it often leaves over 20% for you to pay. In addition, there is limited drug coverage. That's why most people with Original Medicare carry additional Medicare coverage from a private insurance company - at an added premium cost (call Medicare Supplement Policies or Medigap Policies). Many people instead choose to receive coverage under a Medicare Advantage (MA) Plan. With a MA Plan, you receive more coverage than Original Medicare and don't need a Medicare Supplement policy.

Click here to learn more about Medicare Advantage