Secure Horizons Medicare Advantage Plans 2026

Secure Horizons Medicare Advantage Plans rebranded as Medicare Complete, could offer comprehensive coverage for hospital and outpatient services. This guide covers the possible plan types, potential benefits, enrollment steps, and costs, to help you choose the best option.

Key Takeaways

• Secure Horizons Medicare Advantage plans, now rebranded as Medicare Complete, will likely offer comprehensive coverage for a majority (96%) of Medicare beneficiaries, possibly simplifying healthcare management.

• These plans could provide various types of coverage including HMO, PPO, and specialized plans, ensuring members can choose options that best suit their healthcare needs and preferences.

• Potential benefits such as dental, vision, and hearing care, and sometimes with integrated prescription drug coverage, could enhance overall member value and promote healthier lifestyles.

Overview of Secure Horizons Medicare Advantage Plans

Formerly known as Secure Horizons, these Medicare Advantage plans have been rebranded as Medicare Complete under the UnitedHealthcare insurance company, but they will likely continue to operate with the same comprehensive coverage that beneficiaries have come to trust through the federal Medicare program. These plans could integrate hospital and outpatient services into one cohesive package, possibly simplifying healthcare management for members, all while being part of UnitedHealthcare’s Medicare plan portfolio.

Secure Horizons plans will likely be widely accessible, covering about 96% of Medicare beneficiaries in 2023. This extensive reach could ensure that most individuals eligible for Medicare could take advantage of the possible coverage and benefits offered by some of these plans.

Types of Secure Horizons Medicare Advantage Plans

Secure Horizons offers a variety of Medicare Advantage plans to meet the diverse needs of its members. The plans include:

• Health Maintenance Organization (HMO) plans
• Preferred Provider Organization (PPO) plans
• Specialized plans like Dual Special Needs Plans (SNPs) for individuals who qualify for both Medicare and Medicaid.

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Each type of plan caters to different healthcare requirements and preferences:

• HMO plans typically require members to use a network of doctors and hospitals.
• PPO plans offer more flexibility in choosing healthcare providers.
• SNPs are tailored for those with specific health needs or financial situations.

Possible Benefits of Secure Horizons Medicare Advantage Plans

Some Secure Horizons Medicare Advantage plans may include comprehensive prescription drug coverage. This potential integration could simplify medication management and possibly ensures members have access to necessary medications without needing a separate prescription drug plan.

How to Enroll in a Secure Horizons Medicare Advantage Plan

Enrolling in a Secure Horizons Medicare Advantage plan involves understanding the various enrollment periods and ensuring that the plan’s contract with Medicare is renewed annually. Knowing when and how to enroll can make the process smoother and ensure continuous coverage.

There are several key enrollment periods to be aware of, including the Initial Enrollment Period, Annual Enrollment Period, and Special Enrollment Periods. Additionally, calling one of our licensed insurance agent can provide valuable assistance in navigating the enrollment process and selecting the right plan for your needs.

Enrollment Periods and Deadlines

The Initial Enrollment Period (IEP) is a seven-month window that starts three months before you turn 65, includes your birth month, and extends three months after. This is the first opportunity for most people to enroll in Medicare Advantage plans.

The Annual Enrollment Period (AEP), from October 15 to December 7 each year, allows you to make changes to your existing Medicare coverage.

Special Enrollment Periods (SEPs) are available for those who experience qualifying life events, such as moving to a new area or losing employer health coverage. These periods allow for enrollment outside the standard windows, ensuring that you can maintain continuous coverage when life changes occur.

Working with a Licensed Insurance Agent

Our licensed insurance agents are invaluable resources when it comes to selecting the right Medicare Advantage plan. They can help assess your healthcare needs, compare different plan options, and potentially minimize out-of-pocket costs. Their expertise can guide you through the complexities of Medicare and potentially ensure that you choose a plan that fits your personal health and financial situation.

Collaborating with a licensed insurance agent can lead to better-informed decisions and potential savings on healthcare costs. Agents can also clarify coverage details and highlight possible plan benefits.

Financial Aspects of Secure Horizons Medicare Advantage Plans

The financial stability of certain Secure Horizons Medicare Advantage plans could be a significant factor in their appeal. These plans have received strong financial strength ratings in recent years, indicating reliability and the possibility of managing rate increases and claims payments effectively. This stability could translate to more predictable costs for members.

Understanding the financial aspects of these plans, including the potential premiums and out-of-pocket costs, is crucial for making an informed decision. Members should consider both the monthly premiums and potential out-of-pocket expenses when evaluating your options.

Monthly Premiums and Out-of-Pocket Costs

Monthly premiums for certain Secure Horizons Medicare Advantage plans may vary significantly depending on the specific plan chosen. Some plans may offer low or even no monthly premiums, but it’s essential to be aware of other potential out-of-pocket costs, such as deductibles and copays.

Some plans might feature an out-of-pocket maximum, which could potentially cap the total amount you spend on covered healthcare expenses in a given year. This feature could provide a safety net, possibly ensuring that your healthcare costs remain manageable even in the face of unexpected medical events.

Prescription Drug Costs

Prescription drug costs will likely be a critical consideration when choosing a Medicare Advantage plan. Some Secure Horizons plans may include specific drug formularies that outline which medications are covered. It’s vital to compare your current medications against these formularies to ensure they might be included in the plan.

Using preferred pharmacies might lead to significant savings on prescription drug costs. Additionally, checking your prescription drugs against the plan’s formulary could also help you avoid unexpected expenses and ensure that you receive the medications you need at a predictable cost.