2023 Providence Medicare Advantage Plans


Welcome to insurance talk with Cheri Martinen. I am here today with a special guest from Providence, Autumn Edwards. We are so glad to have Providence here as they have a bunch of new plans available in Deschutes County for the 2023 Medicare Annual Election Period.

Providence $0 Premium HMO Plan for Central Oregon

Providence is bringing in a zero premium HMO plan to Central Oregon. So, essentially what happened is Providence combined their service areas and with the population boom in Central Oregon, which means we can now bring valley pricing and benefits here to Central Oregon. This is a zero-premium plan, which means there is no charge to see your primary care physician. There’s no drug deductible, dental is still included, over the counter drugs are included, and it has a hearing benefit.

What’s really great about the over-the-counter benefit is that it rolls. So, most companies it’s a use it or lose it, but with this Providence plan it actually rolls over. Let’s say you get busy in a couple of months, and you forget to make an order, it doesn’t matter. You can do it now or you can even take the card and go use it at the store and just swipe it at Walgreens, Walmart, Family Dollar, Rite Aid, a whole slew of different places. It’s, really exciting.

And the over the counter for people who maybe haven’t had that before, is just a program that is a dollar amount that’s given per quarter to be used for over-the-counter medications. Or it could be used for things like vitamins, ibuprofen, Band-Aids, Neosporin, Bengay, toothbrushes, toothpaste, or eyedrops.

At Providence our goal is to help people stay independent and healthy longer. So, another benefit we offer is the personal emergency device. It’s like the commercial, “I’ve fallen, and I can’t get up”. This device provides a sense of security for the family and the person using it.

Another benefit we are providing this year is the wigs program. So, if you have cancer and start to lose your hair, you can get a wig to be able to give you back some of that confidence and just put a little bit of pep back in your step. You’re already going through a hard enough time. This program is designed to help give you back some of your dignity. So, you can feel your best self when going through this tough time.

Providence 5 Star Plan Rating

Can’t wait to enroll in a Providence Medicare Advantage Plan?

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What are the Benefits of Providence’s $0 Premium Plan?

The $0 plan is a true HMO, which means you do need to go to doctors on the list and get a referral to go the next step. But our referrals are a little bit different, because we’re a truly integrated system. Integrated system means that the doctors and the insurance companies are on the same team. So, if the doctor says you need something, then it’s an easy referral because we do what the doctors say. If you need to see multiple specialists, there will be no round and round with this plan.

When you’re talking about specialists, we got to talk about the network. Providence’s network is not just a small, localized network. Providence is a local company and yes, we are Oregon based and yes, our customer service is here in Oregon, but our network is rather vast. You will be very hard pressed to find a doctor here in Central Oregon that’s not in our network. Our network also includes specialty offices in Portland and Seattle, even Spokane.

When it comes to hospitals, Providence is the proud sponsor of five different hospitals that have top five star rated hospital services. This includes the heart clinic in Portland, St. Charles in Bend, High Lakes, Mosaics, Women’s Care, etc. You don’t have to leave Central Oregon to get your care. You can stay right here and get excellent service.

But if you are referred to somebody somewhere else, they’ll probably also be in network probably, which is great. Yeah. I think you guys have something about stars this year too.

Providence is a five-star plan, but what does that mean for everybody? A five-star plan is the highest rating that the Centers for Medicare and Medicaid (CMS) gives out, which means we got a perfect score. That means that if you want to enroll in a Providence plan, you can do so right away. You don’t have to wait until AEP, that’s what time this is now. But you can, but essentially that means that you don’t have to wait until January to enroll in one of our, one of our plans because we have the five-star.

What is the Providence HMO POS Plan?

The other Providence plan to discuss is the HMO POS Plan, which is a bridge plan, and an HMO POS is a health maintenance organization point of sale. So, it’s a hybrid. On this plan if you go to doctors on the list and you get the referral, then you’re going to pay a lower copay. But you have the option to go out of network and you have the option to not get a referral. Let’s say you need to go to Cedar Sinai or Cancer Centers of America down in Arizona, you absolutely can and you’re just going to pay an out of network. This plan really opens up the entire US for your care options.

And just for people who might be like going like what, what’s the difference between the zero and this one? So, the big difference is the network flexibility there. Like what you’re paying for in network cost versus out of network costs.

There’s one other thing that makes the difference. The HMO POS, that bridge plan is a little bit more expensive. Like I said, it’s $35, but that also means that our dental network is in or out of network. If you currently have a favorite dentist that you just adore, great. Keep ’em, you don’t have to change, you can absolutely keep ’em. And you’re still going to get your dental cleanings. You get two a year plus your x-rays covered at no charge. In South County it’s hard to get a dentist that’s always on the list. So that extra $35 instead of the $0 might just be worth it. Just for the dental.

Providence Prescription Drugs Coverage

We have removed the deductibles on all of our plans, which means you have first dollar coverage. We also just lowered a bunch of tier twos down to tier ones and that makes it exciting because our tier one drugs are no charge and there’s no charge if you go to a preferred pharmacy or you go through the mail. However, if you go through the mail, you will receive a 90-day supply.

We are also part of the Senior Savings Program, which is the insulin program. For someone on insulin, it is just $35. There is no donut hole for that plan. If you are insulin dependent, you’re not going to fall into the donut hole for the insulin. Which is a really big deal if you’re taking insulin. And this is something that I think a lot of people have been working on for a very long time.

Our vaccines are also no charge. This includes the flu shot, shingles vaccine, whooping cough and pneumonia.

Telehealth Visits

Telemed has just skyrocketed because of Covid and that is the same price as going to your primary care. So, no charge to see your doctor that way. You can do telemed, you can do our Providence nurse line which is available 24 hours a day. One of the benefits of doing a virtual visit if you don’t want to go into the clinic, like let’s say you’re just not feeling confident in sitting in somebody’s waiting room, you don’t have to, you can do it virtually. It’s all included.

Naturopath or Holistic Medicine

If you are someone that prefers a more holistic approach, we do include naturopath coverages such as massage, acupuncture and chiropractic.

To enroll in a Providence Medicare Advantage Plan, simply request an appointment with one of our insurance agents via phone at (800) 452-6826 or on our online calendar.

Bancorp’s insurance experts are available to provide you with a free review and consultation.  Contact Us – Bancorp Insurance Call 800-452-6826

Disclaimer: This content is provided for general information purposes and is not intended to be used in place of consultation with our agents.

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