Preferred Care Partners offers Medicare Advantage Special Needs Plans (SNPs) as HMO and HMO-POS options for individuals in Miami-Dade, Broward, and Palm Beach counties. These plans are designed to provide comprehensive healthcare coverage, combining the benefits of Medicare Parts A and B, Part D prescription drug coverage, and extra services tailored to specific Medicare consumer needs. A key question for many is understanding the relationship between Preferred Care Partners and larger insurance providers.
For those eligible for both Medicare and Medicaid, Preferred Care Partners provides Dual Eligible SNP plans. These plans, such as the UHC Preferred Dual Complete (HMO D-SNP or HMO-POS D-SNP), facilitate access to care without requiring referrals for specialist appointments. This streamlined approach is particularly beneficial for individuals managing complex healthcare needs covered under both Medicare and Medicaid.
Furthermore, for Medicare beneficiaries managing chronic conditions like diabetes, heart failure, or cardiovascular disorders, Preferred Care Partners offers Chronic Condition SNP plans. The UHC Preferred Complete Care (HMO C-SNP) is an example, delivering specialized benefits and services without the need for specialist referrals. These plans are structured to provide focused and coordinated care for individuals dealing with specific health challenges.
Understanding the plan structures is crucial. Health Maintenance Organization (HMO) plans operate within a defined network of local doctors and hospitals. Members typically need to utilize providers within this network to receive coverage for services, except in emergency situations.
Point of Service (HMO-POS) plans expand on the HMO model by offering more flexibility. While retaining the core features of HMO plans, HMO-POS plans allow members to seek certain healthcare services outside of the contracted network. However, utilizing out-of-network services usually results in higher out-of-pocket costs. Some HMO-POS plans may offer out-of-network dental coverage as a specific benefit.
It’s important to clarify the insurer behind Preferred Care Partners. Preferred Care Partners plans are insured through UnitedHealthcare Insurance Company or one of its affiliates. This signifies that Preferred Care Partners operates as a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program, backed by the robust network and resources of UnitedHealthcare. Plan enrollment is contingent upon Medicare contract renewals. Therefore, when considering Preferred Care Partners, it’s accurate to recognize them as being part of the UnitedHealthcare family, bringing together localized care with the backing of a national health insurance leader.
