It's our most pressing concern as citizens in this era: How can I keep myself healthy for my family? The easiest way to gain that peace of mind is to find a healthcare plan that works for you so that you and your family can get the care and prescription medicine they may need, no matter what lies ahead.
We took some time to look into one promising provider of such a service, Security Health Plan, with a focus on those who are looking to take advantage of the benefits of Medicare. We will be going over the various types of plans and benefits offered so you can be sure you're making an informed decision if you decide Security Health Plan is right for you.
Affordability, flexibility, and consistency are some of the most important qualities you should consider when choosing a healthcare plan. The various aspects of Security Health Plan's Medicare advantage certainly contribute to the reliability of their service, with plans that differ not only in price but also in what coverage they offer you. It's even possible to choose when and how you'd like to pay, either monthly or with copayments when you need a medical service.
What Is The Medicare Security Health Plan?
Security Health Plan is a non-profit, Wisconsin-based insurance company which works to connect clients with affordable health insurance. They work with you, making it easy to find the best plan to keep you protected. Thousands of doctors are included in these plans, allowing you to keep the doctor you're familiar with. There's nothing worse than having to switch your practitioner with your health insurance, and Security Health Plan's network of doctors is constantly expanding to include new options.
With their selection of plans tailored to the individual needs of the counties of Wisconsin, you can find a plan that does more for you while costing less.
Types Of Plans
Security Health Plan offers a variety of Medicare Advantage Plans to residents of Wisconsin, designed to help you get the most out of your Medicare enrollment. Plans available vary in availability by county, and with all plans, you must continue to pay your monthly Medicare Part B premium.
It's notable that you should consider enrolling in a plan that includes Medicare Part D prescription drug coverage now, despite the fact that it's voluntary. Although you may wait to enroll in Part D coverage, it is possible you may encounter late fees. Making it a part of your plan from the outset will save you a headache in the long run.
All Part D vaccines are covered in Rx plans as well as the shingles and tetanus vaccines. Prescription discount programs pair all of these options well.
Assurance Rx covers all of your healthcare as well as Part D prescription drugs with $0 premiums. This plan, along with its sister plan Esteem Rx, works to bring incredibly affordable prescriptions with no more money out of your pocket than necessary.
Esteem Rx covers all of your healthcare as well as Part D prescription drugs with $0 premiums. This plan, along with its sister plan Assurance Rx, works to bring incredibly affordable prescriptions with no more money out of your pocket than necessary.
The Essence plan sports low monthly premiums and costs only $16 per month. This plan is the no-prescription coverage version of Essence Rx. It's inexpensive and covers the 'essence' of what you might need from your healthcare coverage, but it's important to keep in mind that going without Part D prescription drug coverage opens you up to the hassle of the potential of fees in your future.
The Essence Rx plan also sports low monthly premiums and includes Part D prescription drugs at a rate of $77 per month. This plan is the prescription- inclusive coverage version of the Essence plan. It's relatively inexpensive and covers the 'essence' of what you might need from your healthcare coverage, along with all Medicare Part D prescription drugs, saving you from the hassle of potential fees in your future.
The Spirit plan has higher monthly premiums but costs significantly less when it comes time to use your healthcare, at $157 per month. This is a great option for those who don't mind paying per month and want a worry-free and inexpensive trip to the doctor when the time comes, allowing for peace of mind and simplicity. However, as this is the no-prescription version of Spirit Rx, you may encounter late fees going forward for not enrolling in Medicare Part D prescription drug coverage early on.
The Spirit Rx plan also has higher monthly premiums and also costs significantly less when your healthcare is used, at $219 per month including prescription drugs. This is a great option for those who don't mind paying per month and want a worry-free and inexpensive trip to the doctor when the time comes, allowing for peace of mind and simplicity. Plus, with Medicare Part D prescription drug coverage included, there is no need to worry about late fees going forward.
Secure Saver MSA
This special plan is available across all the counties of Wisconsin. For the price of a deductible, you'll receive a debit card and an informative welcome kit, with a fixed amount of money added to your new account each year. Then, you can either pay with your own funds or with your MSA card whenever a medical service is required.
If your deductible is met by the end of the year, Security Health Plan will cover all further medical expenses, and all remaining funds on your Secure Saver card will be rolled over to the next year. This all comes with $0 monthly premiums and no monthly maintenance costs.
However, it's important to note that you must continue to pay Medicare B premiums, and while you can use your MSA for non-Medicare medical procedures such as prescriptions, dental care, dentures, eye exams, hearing aids, and cosmetic surgeries. Only Medicare compatible purchases will count towards your deductible.
It does not cover Medicare Part D prescription drugs, but you may enroll in any other plan covering Medicare Part D prescription drugs alongside signing up for the Secure Saver MSA plan. Furthermore, if you dis-enroll, you'll have to repay the prorated Medicare deposit.
This is an excellent plan for those who'd like the control of their healthcare put into their own hands. With the ability to invest your money into whichever medical procedures you'd like, as well as the ability to enroll in Medicare Part D prescription drug coverage simultaneously, you can get the healthcare you want and no more and still receive the benefits of an advanced Medicare plan with Security Health Plan.
Security Health Plan offers a plethora of benefits that will synergize well with your Medicare enrollment, extending what you get from Medicare alone to cover a variety of services. These include a $30 quarterly mail-order OTC credit, worldwide emergency and urgent care for peace of mind on vacation and in your travels, and even your routine eye and ear exams.
Furthermore, one free preventative dental checkup per year is offered, including full-mouth X-ray, panoramic X-ray, and up to four bitewing X-rays. These are fairly common and somewhat expensive procedures, so it pays to have them covered. Free periodontal cleaning, scaling, and root planning every 24 months is also included, to keep your teeth healthy far into the future. Dental can be one of the most frustrating procedures to get covered when you're dealing with healthcare, and Security Health Plan has taken extra steps to bring it into the fold of your coverage.
But dental care isn't all that's considered, hearing and vision are covered too! Up to one hearing exam per year, and up to two hearing aids per year, costing only a copayment of $15, $25, or $50 depending on the plan you choose. For hearing aids, only a $500 copayment for each hearing aid is required. You'll receive one free eye exam per year, both preventative and for illness or injury. Additional exams require only a copayment, and - depending on the plan you choose - you'll receive a $125 or $175 stipend towards your new pair of eyeglasses.
Nobody should go without health insurance, and unfortunately, Medicare can be confusing and difficult to get the most out of. Fortunately, with Security Health Plan, it's easy to receive assistance accessing the best possible care for you, at the best possible price point.
Whether you need to pay for prescriptions, visits to the doctor, or simply want to feel safe and secure on trips abroad, Security Health Plan streamlines the process of qualifying for the benefits you need into plans that fit your budget. Nearly everything that isn't covered by your ordinary Medicare is worked seamlessly into the process, covering everything from dental X-rays to hearing aids.
If you're a citizen of Wisconsin in the market for a healthcare plan that truly pushes the limits of your coverage, Security Health Plan is one to watch.