Healthfirst Medicare Advantage Plans 2024
Choosing the right Medicare Advantage plan in 2024 is a crucial decision for seniors looking to maintain their health and well-being.
With so many options available, it’s essential to find a plan that offers comprehensive coverage and caters to your unique needs.
Healthfirst, a leading provider of quality healthcare plans, offers a variety of Healthfirst Medicare Advantage plans 2024, designed to provide beneficiaries with an extensive range of benefits and services.
Let’s explore what makes Healthfirst’s Medicare Advantage plans stand out in the competitive market.
Key Takeaways
- Healthfirst provides comprehensive coverage and extra benefits for Medicare Advantage plan enrollees.
- Benefits include prescription drug coverage, dental, vision and hearing services with zero copay options.
- Healthfirst plans have consistently earned a 4-star rating out of 5 from CMS benchmarks for their commitment to providing high quality healthcare plans.
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Exploring Healthfirst Medicare Advantage Plans for 2024
Healthfirst offers an impressive array of Medicare Advantage plans, each specifically designed to address the diverse needs and preferences of Medicare beneficiaries.
These plans not only provide the advantages of Original Medicare but also include additional benefits such as:
- Prescription drug coverage
- Dental care
- Vision care
- Hearing care
With approximately 3,959 health plans available for individual enrollment in Medicare Advantage in 2024, it’s evident that Healthfirst is committed to providing comprehensive coverage and extra benefits for its members.
One notable aspect of Healthfirst’s Medicare Advantage plans is their extensive network of healthcare providers.
This broad network ensures that beneficiaries have access to quality care, whether they choose an HMO or PPO plan. Healthfirst offers both in-network and out-of-network care options, prioritizing flexibility and choice.
This allows members to receive the care they need while keeping control over their healthcare decisions.
In-Depth Benefit Analysis: Prescription Drug Coverage
A significant advantage of Healthfirst’s Medicare Advantage plans is their comprehensive prescription drug coverage.
Enrollees can rest assured knowing that their essential medications are covered, ensuring access to the treatments they need.
The Healthfirst formulary, a list of medications available under their plans, offers a wide range of options for beneficiaries.
Healthfirst Medicare Advantage plans utilize a tiered prescription drug system, which affects copays and deductibles.
Each tier has a distinct copay and deductible, with preferred generic drugs typically found in Tier 1 having a $0 copay and no deductible. Higher tiers, such as Tiers 4 and 5, may have a deductible.
This tiered system allows enrollees to better understand their prescription drug costs and make informed choices about their medications.
Comprehensive Dental, Vision, and Hearing Benefits
Besides prescription drug coverage, Healthfirst’s Medicare Advantage plans feature extensive dental, vision, and hearing benefits.
Dental services related to medical conditions are covered. However, there are certain limitations and exclusions that may apply.
For example, the Healthfirst Complete Care (HMO D-SNP) plan provides preventive dental care such as annual checkups, cleanings, and fluoride treatment, as well as comprehensive dental care including dentures, crowns, root canals, and extractions.
Vision and hearing care are also integral parts of Healthfirst’s Medicare Advantage plans. Healthfirst covers out-of-pocket costs for entry-level hearing aids, making it easier for beneficiaries to access essential hearing devices.
Comprehensive vision benefits, such as coverage for vision exams and eyeglasses, are also included in the plans. However, members should be aware of any exclusions or limitations on vision benefits, as they may vary by plan.
Zero Copay and Additional Savings
Healthfirst’s Medicare Advantage plans aim to make healthcare affordable by providing zero copay options and additional savings.
For example, 66% of MA-PDs will not charge any premium (in addition to the Part B premium) in 2024. These cost-saving measures help enrollees manage their healthcare expenses while still receiving comprehensive coverage.
Some of the services offered with no copay in Healthfirst Medicare Advantage Plans include:
- Prescription drugs
- Dental services
- Hearing aids
- Vision care
- Fitness programs like SilverSneakers®
Eliminating copays for essential services ensures beneficiaries can access the care they need without financial stress.
Network Strengths: In-Network vs. Out-of-Network Care
Healthfirst’s extensive network of providers ensures that beneficiaries have access to quality care within their chosen Medicare Advantage plan.
While HMO plans provide coverage only for in-network care, PPO plans allow beneficiaries to access any doctor or facility that accepts Medicare.
This flexibility enables members to make informed decisions about their healthcare and choose providers that best meet their needs.
Members should note the following information regarding healthcare services:
- Out-of-network healthcare services might lead to higher costs
- Plan variations may occur based on the service area
- Out-of-network/non-contracted providers are not obligated to treat plan members, except in emergency situations
To ensure the best possible care, beneficiaries should carefully consider their options when choosing between in-network and out-of-network providers.
Extra Perks: Over-the-Counter Items and More
Beyond comprehensive coverage, Healthfirst Medicare Advantage plans provide added perks for an enhanced healthcare experience.
One such perk is the allowance for over the counter (OTC) items, which allows members to purchase items such as:
- Nicotine replacement therapy
- Band-aids
- Food scales
- Oral hygiene care
Another valuable perk is access to wellness programs, such as the SilverSneakers fitness program.
This program provides access to live classes, online workout videos, and a mobile app, helping members stay active and maintain their overall well-being.
These extra perks reflect Healthfirst’s commitment to providing a well-rounded healthcare experience for its Medicare Advantage plan members.
Healthfirst Signature Products Spotlight
Healthfirst offers a range of signature Medicare Advantage plans, each designed to cater to the unique needs and preferences of beneficiaries.
These premium plans, including the Healthfirst Signature HMO Plan, Healthfirst Increased Benefits PPO Plan, and Healthfirst Consistent Plan for Chronically Ill, provide tailored benefits and services to ensure that members receive the care they need.
Healthfirst Signature HMO Plan
The Healthfirst Signature HMO Plan is a cost-effective option that provides a wide range of benefits and services.
This plan allows members to customize their coverage with an optional Choice Extra Benefit, such as a $70/quarter OTC card or up to 25 one-way trips to see providers for covered services and pharmacies.
With its customizable benefits, the Healthfirst Signature HMO Plan provides an excellent balance of coverage and flexibility for enrollees. Beneficiaries can enjoy the following benefits:
- Prescription drugs
- Dental services
- Hearing services
- Vision services
- Access to the SilverSneakers® fitness program.
Healthfirst Increased Benefits PPO Plan
For those seeking more comprehensive coverage and greater flexibility, the Healthfirst Increased Benefits PPO Plan is an ideal choice.
This plan offers the benefits of Original Medicare, in addition to extra coverage such as:
- Prescription drugs
- Dental
- Hearing
- Vision
- OTC Plus card
- Transportation services
The Healthfirst Increased Benefits PPO Plan provides out-of-network coverage, allowing members to access providers outside of the network.
However, coverage may vary and out-of-pocket expenses may be higher than those associated with in-network providers.
This plan is perfect for beneficiaries who value the flexibility to choose their healthcare providers and services.
Healthfirst Consistent Plan for Chronically Ill
Healthfirst’s Consistent Benefits Plan is specifically designed for chronically ill beneficiaries, offering tailored benefits and support.
This plan includes benefits such as dental services at a reduced cost, prescription drug coverage, and over-the-counter allowances.
Additionally, it may provide non-health related supplemental benefits that address social determinants of health for chronically ill enrollees.
By addressing the unique needs of chronically ill individuals, the Healthfirst Consistent Plan provides essential support and care for this vulnerable population.
The tailored benefits and services offered by this plan can make a significant difference in the lives of enrollees, helping them manage their health conditions more effectively.
Navigating Enrollment: Annual Election Period and Contract Renewal
Understanding the enrollment process for Healthfirst Medicare Advantage plans is key for receiving the necessary coverage and benefits.
The annual election period for these plans in 2024 runs from October 15 to December 7, providing ample time for beneficiaries to explore their options and make an informed decision.
Contract renewal is another essential aspect of Healthfirst Medicare Advantage plan enrollment.
The renewal process is contingent upon the plan’s Medicare contract with the NY State Medicaid program, and subscription to the plan depends on contract renewal.
For more information regarding the renewal process and eligibility, visit Healthfirst’s website at healthfirst.org/renew.
Health Plan Member Experience: Access to Care and Preventive Services
Healthfirst emphasizes member experience by ensuring beneficiaries have access to care and preventive services whenever and wherever they need it.
They have implemented several initiatives and partnerships, such as collaborating with GrowNYC to provide access to healthy foods and produce.
Additionally, Healthfirst has a network of over 100,000 in-network doctors, hospitals, and urgent care centers, making it easy for members to find healthcare providers in their area.
Healthfirst offers a range of preventive services, including Medicaid services, such as:
- Exams
- Shots
- Lab tests
- Screenings
- Programs for health monitoring, counseling, and education
By providing these services, Healthfirst helps members maintain their overall health and well-being, ensuring that they receive the care they need to live healthier lives.
Comparing Star Ratings: Healthfirst and CMS Benchmarks
Comparing Healthfirst’s star ratings with CMS benchmarks can provide a clearer understanding of the quality and performance of their Medicare Advantage plans.
CMS utilizes a 5-star scale to rate Medicare Advantage plans, with factors such as quality of care, customer satisfaction, and member experience taken into consideration.
Healthfirst’s Medicare Advantage plans have consistently maintained a 4-star rating out of 5 stars, showcasing their commitment to providing high-quality healthcare plans.
By comparing Healthfirst’s star ratings with CMS benchmarks, it’s clear that their plans stand out in the competitive market, offering comprehensive coverage and exceptional member experience.
Summary
In conclusion, Healthfirst’s Medicare Advantage plans for 2024 offer a comprehensive range of benefits and services, catering to the diverse needs and preferences of beneficiaries.
With extensive prescription drug coverage, dental, vision, and hearing benefits, zero copay options, and additional savings, Healthfirst ensures that enrollees receive the care they need without breaking the bank.
By prioritizing member experience and providing access to care and preventive services, Healthfirst has created a suite of Medicare Advantage plans that truly stand out in the market.
Whether you’re looking for an HMO plan with customizable benefits, a PPO plan with greater flexibility, or a tailored plan for chronically ill individuals, Healthfirst has the perfect option to meet your healthcare needs.
Frequently Asked Questions
→ What are the changes to Medicare in 2024?
Medicare Part B premiums will increase to $174.70 in 2024, an increase of $9.80 (5.9%) from 2023. The Medicare Part A inpatient hospital deductible is also rising to $1,632 (up $32 or 6.2%), and the annual Part B deductible is increasing by $14 (6.2%) to $240.
→ Is Medicare Advantage plans going away?
Based on the information from Centers for Medicare & Medicaid Services, it appears that Medicare Advantage plans are not going away in 2024.
→ Is there a lifetime max on Medicare Advantage plans?
Medicare Advantage plans do not have a lifetime max as they must provide better coverage than traditional Medicare.
There is also no upper dollar limit on Medicare benefits, so you can continue to use medical services covered by Medicare for as long as needed, regardless of cost.
→ What is the annual election period for Healthfirst Medicare Advantage plans in 2024?
The annual election period for Healthfirst Medicare Advantage plans in 2024 is from October 15 to December 7.
→ Are there any limitations or exclusions for dental, vision, and hearing benefits in Healthfirst’s Medicare Advantage plans?
Yes, there may be limitations or exclusions for dental, vision, and hearing benefits in Healthfirst’s Medicare Advantage plans.
It is recommended to review the plan documents or contact Healthfirst for further information to make sure all coverage details are understood.
ZRN Health & Financial Services, LLC, a Texas limited liability company
Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.