Vns Choice
1250 Broadway
New York, NY 10001
Phone: 1-866-783-1444
Toll free: 1-866-783-1444
Website
http://www.vnsnychoice.org
Pharmacy
http://www.vnsnychoice.org/
Plan Rating | 2.5 out of 5 stars |
Premium and Other Important Information | * Depending on your level of Medicaid eligibility you may not have any cost-sharing responsibility for original Medicare services |
** Please consult with your plan about cost sharing when receiving services from out-of-network providers. | |
$31.7 monthly plan premium* | |
$0 annual deductible.* | |
$6 700 out-of-pocket limit for Medicare-covered services. However in this plan you will have no cost sharing responsibility for Medicare-covered services based on your level of Medicaid eligibility. | |
Doctor and Hospital Choice | You must go to network doctors specialists and hospitals. |
No referral required for network doctors specialists and hospitals. | |
Inpatient Hospital Care | No limit to the number of days covered by the plan each hospital stay. |
$0 annual deductible* | |
$0 copay* | |
Except in an emergency your doctor must tell the plan that you are going to be admitted to the hospital. | |
Inpatient Mental Health Care | $0 copay* |
You get up to 190 days of inpatient psychiatric hospital care in a lifetime. Inpatient psychiatric hospital services count toward the 190-day lifetime limitation only if certain conditions are met. This limitation does not apply to inpatient psychiatric services furnished in a general hospital. | |
$0 annual deductible* | |
Except in an emergency your doctor must tell the plan that you are going to be admitted to the hospital. | |
Skilled Nursing Facility (SNF) | Authorization rules may apply. |
Plan covers up to 100 days each benefit period | |
No prior hospital stay is required. | |
$0 annual deductible* | |
$0 copay for SNF services* | |
Home Health Care | Authorization rules may apply. |
$0 copay for Medicare-covered home health visits* | |
Hospice | You must get care from a Medicare-certified hospice. Your plan will pay for a consultative visit before you select hospice. |
Doctor Office Visits | Authorization rules may apply. |
$0 copay for each primary care doctor visit for Medicare-covered benefits.* | |
$0 copay for the cost of each in-area network urgent care Medicare-covered visit.* | |
$0 copay for each specialist doctor visit for Medicare-covered benefits.* | |
Chiropractic Services | Authorization rules may apply. |
$0 copay for Medicare-covered chiropractic visits* | |
Medicare-covered chiropractic visits are for manual manipulation of the spine to correct subluxation (a displacement or misalignment of a joint or body part) if you get it from a chiropractor or other qualified providers. | |
Podiatry Services | Authorization rules may apply. |
$0 copay for Medicare-covered podiatry benefits.* | |
$0 copay for up to 4 supplemental routine visit(s) every year | |
Medicare-covered podiatry benefits are for medically-necessary foot care. | |
Outpatient Mental Health Care | Authorization rules may apply. |
$0 copay for Medicare-covered Mental Health visits* | |
$0 copay for each Medicare-covered visit with a psychiatrist* | |
$0 copay for Medicare-covered partial hospitalization program services* | |
Outpatient Substance Abuse Care | Authorization rules may apply. |
$0 copay for Medicare-covered visits* | |
Outpatient Services/Surgery | Authorization rules may apply. |
$0 copay for each Medicare-covered ambulatory surgical center visit* | |
$0 copay for each Medicare-covered outpatient hospital facility visit* | |
Ambulance Services | Authorization rules may apply. |
$0 copay for Medicare-covered ambulance benefits.* | |
Emergency Care | $0 copay for Medicare-covered emergency room visits* |
$50 000 plan coverage limit for emergency services outside the U.S. every year. | |
If you are admitted to the hospital within 24-hour(s) for the same condition you pay $0 for the emergency room visit. | |
Urgently Needed Care | $0 copay for Medicare-covered urgently-needed-care visits* |
Outpatient Rehabilitation Services | Authorization rules may apply. |
There may be limits on physical therapy occupational therapy and speech and language pathology services If so there may be exceptions to these limits. | |
$0 copay for Medicare-covered Occupational Therapy visits* | |
$0 copay for Medicare-covered Physical and/or Speech and Language Therapy visits* | |
Durable Medical Equipment | Authorization rules may apply. |
$0 copay for Medicare-covered items* | |
Prosthetic Devices | Authorization rules may apply. |
$0 copay for Medicare-covered items* | |
Diabetes Programs and Supplies | Authorization rules may apply. |
$0 copay for Diabetes self-management training* | |
$0 copay for: | |
Diagnostic Tests X-Rays Lab Services and Radiology Services | Authorization rules may apply. |
$0 copay for Medicare-covered: | |
Cardiac and Pulmonary Rehabilitation Services | $0 copay for: |
Preventive Services and Wellness/Education Programs | $0 copay for all preventive services covered under Original Medicare at zero cost sharing: |
HIV screening is covered for people with Medicare who are pregnant and people at increased risk for the infection including anyone who asks for the test. Medicare covers this test once every 12 months or up to three times during a pregnancy. Please contact plan for details. | |
The plan covers the following supplemental education/wellness programs: | |
Kidney Disease and Conditions | $0 copay for renal dialysis* |
$0 copay for kidney disease education services* | |
Outpatient Prescription Drugs | $0 annual deductible for Part B-covered drugs.* |
$0 copay for Part B covered chemotherapy drugs and other Part-B covered drugs.* | |
This plan uses a formulary. The plan will send you the formulary. You can also see the formulary at http://www.vnsnychoice.org/ on the web. | |
Different out-of-pocket costs may apply for people who | |
The plan offers national in-network prescription coverage (i.e. this would include 50 states and the District of Columbia). This means that you will pay the same cost-sharing amount for your prescription drugs if you get them at an in-network pharmacy outside of the plan's service area (for instance when you travel). | |
Total yearly drug costs are the total drug costs paid by you the plan and Medicare. | |
The plan may require you to first try one drug to treat your condition before it will cover another drug for that condition. | |
Some drugs have quantity limits. | |
Your provider must get prior authorization from VNSNY CHOICE Medicare Maximum (HMO SNP) for certain drugs. | |
You must go to certain pharmacies for a very limited number of drugs due to special handling provider coordination or patient education requirements that cannot be met by most pharmacies in your network. These drugs are listed on the plan's website formulary printed materials as well as on the Medicare Prescription Drug Plan Finder on Medicare.gov. | |
If the actual cost of a drug is less than the normal cost-sharing amount for that drug you will pay the actual cost not the higher cost-sharing amount. | |
You pay a $0 annual deductible. | |
Depending on your income and institutional status you pay the following: For generic drugs (including brand drugs treated as generic) either: | |
You can get drugs the following way(s): | |
You can get drugs the following way(s): | |
You can get drugs the following way(s): | |
You pay a $0 copay. | |
Plan drugs may be covered in special circumstances for instance illness while traveling outside of the plan's service area where there is no network pharmacy. You may have to pay more than your normal cost-sharing amount if you get your drugs at an out-of-network pharmacy. In addition you will likely have to pay the pharmacy's full charge for the drug and submit documentation to receive reimbursement from VNSNY CHOICE Medicare Maximum (HMO SNP). | |
You can get drugs the following way: | |
Depending on your income and institutional status you will be reimbursed by VNSNY CHOICE Medicare Maximum (HMO SNP) up to the plan's cost of the drug minus the following: For generic drugs purchased out-of-network (including brand drugs treated as generic) either: | |
You will be reimbursed in full for drugs purchased out-of-network. | |
Dental Services | $0 copay for Medicare-covered dental benefits* |
$0 copay for the following preventive dental benefits: | |
Hearing Services | Authorization rules may apply. |
$0 copay for Medicare-covered diagnostic hearing exams* | |
$0 copay for | |
$0 copay for up to 2 hearing aid(s) every three years | |
$1 000 plan coverage limit for hearing aids every three years. | |
Vision Services | Authorization rules may apply. |
$0 copay for diagnosis and treatment for diseases and conditions of the eye* | |
$0 copay for | |
$120 plan coverage limit for eye wear every year. | |
Over-the-Counter Items | Please visit our plan website to see our list of covered Over-the-Counter items. OTC items may be purchased only for the enrollee. Please contact the plan for specific instructions for using this benefit. |
Transportation | Authorization rules may apply. |
$0 copay for up to 4 round trip(s) to plan-approved location every three months | |
Acupuncture | This plan does not cover Acupuncture. |
Premium and Other Important Information | In 2012 the monthly Part B Standard Premium is $99.90 and the annual Part B deductible amount is $140. |
If a doctor or supplier does not accept assignment their costs are often higher which means you pay more. | |
Most people will pay the standard monthly Part B premium. However some people will pay a higher premium because of their yearly income (over $85 000 for singles $170 000 for married couples). For more information about Part B premiums based on income call Medicare at 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. You may also call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778. | |
Doctor and Hospital Choice | You may go to any doctor specialist or hospital that accepts Medicare. |
Inpatient Hospital Care | In 2012 the amounts for each benefit period are: Days 1 - 60: $1 156 deductible Days 61 - 90: $289 per day Days 91 - 150: $578 per lifetime reserve day |
Call 1-800-MEDICARE (1-800-633-4227) for information about lifetime reserve days. | |
Lifetime reserve days can only be used once. | |
"A ""benefit period"" starts the day you go into a hospital or skilled nursing facility. It ends when you go for 60 days in a row without hospital or skilled nursing care. If you go into the hospital after one benefit period has ended a new benefit period begins. You must pay the inpatient hospital deductible for each benefit period. There is no limit to the number of benefit periods you can have." | |
Inpatient Mental Health Care | In 2012 the amounts for each benefit period are: Days 1 - 60: $1 156 deductible Days 61 - 90: $289 per day Days 91 - 150: $578 per lifetime reserve day |
You get up to 190 days of inpatient psychiatric hospital care in a lifetime. Inpatient psychiatric hospital services count toward the 190-day lifetime limitation only if certain conditions are met. This limitation does not apply to inpatient psychiatric services furnished in a general hospital. | |
Skilled Nursing Facility (SNF) | In 2012 the amounts for each benefit period after at least a 3-day covered hospital stay are: Days 1 - 20: $0 per day Days 21 - 100: $144.50 per day |
100 days for each benefit period. | |
"A ""benefit period"" starts the day you go into a hospital or SNF. It ends when you go for 60 days in a row without hospital or skilled nursing care. If you go into the hospital after one benefit period has ended a new benefit period begins. You must pay the inpatient hospital deductible for each benefit period. There is no limit to the number of benefit periods you can have." | |
Home Health Care | $0 copay. |
Hospice | You pay part of the cost for outpatient drugs and inpatient respite care. |
You must get care from a Medicare-certified hospice. | |
Doctor Office Visits | 20% coinsurance |
Chiropractic Services | Supplemental routine care not covered |
20% coinsurance for manual manipulation of the spine to correct subluxation (a displacement or misalignment of a joint or body part) if you get it from a chiropractor or other qualified providers. | |
Podiatry Services | Supplemental routine care not covered. |
20% coinsurance for medically necessary foot care including care for medical conditions affecting the lower limbs. | |
Outpatient Mental Health Care | 40% coinsurance for most outpatient mental health services |
Specified copayment for outpatient partial hospitalization program services furnished by a hospital or community mental health center (CMHC). Copay cannot exceed the Part A inpatient hospital deductible. | |
"""Partial hospitalization program"" is a structured program of active outpatient psychiatric treatment that is more intense than the care received in your doctor's or therapist's office and is an alternative to inpatient hospitalization." | |
Outpatient Substance Abuse Care | 20% coinsurance |
Outpatient Services/Surgery | 20% coinsurance for the doctor's services |
Specified copayment for outpatient hospital facility services Copay cannot exceed the Part A inpatient hospital deductible. | |
20% coinsurance for ambulatory surgical center facility services | |
Ambulance Services | 20% coinsurance |
Emergency Care | 20% coinsurance for the doctor's services |
Specified copayment for outpatient hospital facility emergency services. | |
Emergency services copay cannot exceed Part A inpatient hospital deductible for each service provided by the hospital. | |
You don't have to pay the emergency room copay if you are admitted to the hospital as an inpatient for the same condition within 3 days of the emergency room visit. | |
Not covered outside the U.S. except under limited circumstances. | |
Urgently Needed Care | 20% coinsurance or a set copay |
NOT covered outside the U.S. except under limited circumstances. | |
Outpatient Rehabilitation Services | 20% coinsurance |
Durable Medical Equipment | 20% coinsurance |
Prosthetic Devices | 20% coinsurance |
Diabetes Programs and Supplies | 20% coinsurance for diabetes self-management training |
20% coinsurance for diabetes supplies | |
20% coinsurance for diabetic therapeutic shoes or inserts | |
Diagnostic Tests X-Rays Lab Services and Radiology Services | 20% coinsurance for diagnostic tests and x-rays |
$0 copay for Medicare-covered lab services | |
Lab Services: Medicare covers medically necessary diagnostic lab services that are ordered by your treating doctor when they are provided by a Clinical Laboratory Improvement Amendments (CLIA) certified laboratory that participates in Medicare. Diagnostic lab services are done to help your doctor diagnose or rule out a suspected illness or condition. Medicare does not cover most supplemental routine screening tests like checking your cholesterol. | |
Cardiac and Pulmonary Rehabilitation Services | 20% coinsurance Cardiac Rehabilitation services 20% coinsurance for Pulmonary Rehabilitation services 20% coinsurance for Intensive Cardiac Rehabilitation services |
This applies to program services provided in a doctor+s office. Specified cost sharing for program services provided by hospital outpatient departments. | |
Preventive Services and Wellness/Education Programs | No coinsurance copayment or deductible for the following: |
Kidney Disease and Conditions | 20% coinsurance for renal dialysis |
20% coinsurance for kidney disease education services | |
Outpatient Prescription Drugs | Most drugs are not covered under Original Medicare. You can add prescription drug coverage to Original Medicare by joining a Medicare Prescription Drug Plan or you can get all your Medicare coverage including prescription drug coverage by joining a Medicare Advantage Plan or a Medicare Cost Plan that offers prescription drug coverage. |
Dental Services | Preventive dental services (such as cleaning) not covered. |
Hearing Services | Supplemental routine hearing exams and hearing aids not covered. |
20% coinsurance for diagnostic hearing exams. | |
Vision Services | 20% coinsurance for diagnosis and treatment of diseases and conditions of the eye. |
Supplemental routine eye exams and glasses not covered. | |
Medicare pays for one pair of eyeglasses or contact lenses after cataract surgery. | |
Annual glaucoma screenings covered for people at risk. | |
Over-the-Counter Items | Not covered. |
Transportation | Not covered. |
Acupuncture | Not covered. |
Point of Service | You may go to any doctor specialist or hospital that accepts Medicare. |
Help is available. If you have limited income and resources, you may qualify for help paying your Medicare health care and/or prescription drug coverage costs. For more information, visit socialsecurity.gov, call Social Security at 1-800-772-1213, or apply for help at your State Medical Assistance (Medicaid) office.
If you have questions about Medicare, visit medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.