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Which CCA Health Michigan plan is right for me?

October 1, 2022
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Choosing a Medicare Advantage plan is not a decision you make lightly. It’s important to carefully consider your options and make a choice based on your needs and budget. We’d like to guide you through the decision-making process as we explore the three plan options offered by CCA Health Michigan.

Step 1: Determine your eligibility

If you have Medicare and Medicaid, you are eligible for CCA Health Michigan Medicare Maximum (HMO D-SNP). This plan provides all the coverage of Medicaid and Medicare, plus more benefits at no cost to you. See the chart below for benefit details.

Residents of Genesee, Lapeer, Macomb, Oakland, St. Clair, and Wayne Counties qualify for our Medicare Excel and Medicare Ultima plans.

If you are eligible for Medicare only, you qualify for CCA Health Michigan Medicare Excel (HMO) or CCA Health Michigan Medicare Ultima (HMO). Both of these plans provide “all-in-one” coverage at affordable monthly plan payments.

Residents of Genesee, Lapeer, Macomb, Monroe, Oakland, St. Clair, and Wayne Counties qualify for our Medicare Excel and Medicare Ultima plans.

Step 2: Consider your healthcare needs and budget

Our Medicare Advantage plans vary in price and in the benefits they offer. When choosing a plan, you should take into account two factors: what it covers and what it costs.

CCA Health Michigan Medicare Excel offers a wide range of benefits for $0 a month. When you sign up, you get all the coverage of Medicare. Plus, routine dental services, prescription drugs, help with over-the-counter products, and more.

CCA Health Michigan Medicare Ultima offers all the same benefits as CCA Health Michigan Medicare Excel. But it also includes additional benefits and greater savings for some services. In exchange, you pay a low monthly plan payment of $40 per month. If you qualify for the Extra Help program, you may even pay less.

If you qualify for a D-SNP plan, CCA Health Michigan Medicare Maximum offers the most robust benefits of all our plans. Benefits include all the coverage of Medicaid, Medicare, and more—for $0 a month.

We’ll look at the benefits of these plans in more detail in the next step.

Step 3: Review and compare plan benefits

CCA Health Medicare Maximum

If you have Medicare and Medicaid, see how our CCA Medicare Maximum plan provides extra benefits atno cost to you:

BenefitsCCA Medicare Maximum
Monthly plan payment$0 a month
Primary care copay$0 and a $25 reward
after your annual wellness visit
Prescription drugs and over-the-counter drugs$0
Dental, vision,
and hearing
$0 for routine dental services, including implants,
plus annual hearing and eye
exams with up to $300 per year
for routine eye exams and eyewear and $2,000 per year for hearing aids
Healthy $avings cardUp to $2,400 a year
for over-the-counter health
products and approved food1
Transportation50 one-way medical and non-medical rides per year2
Help with utilities$50 per month toward utility bills

CCA Health Medicare Excel and CCA Health Medicare Ultima

Each of our Medicare Advantage plans covers medical costs, prescription drugs, dental, vision, and hearing. But there are some differences. Keeping in mind your needs and budget, take a look at this chart for a handy side-by-side comparison of our Medicare Advantage plans:

BenefitsCCA Health Medicare
Excel
CCA Health Medicare Ultima
Monthly plan payment4$0 a month3$40 a month or less if you qualify for Extra Help
Primary care copay$0 and a $25 reward
after your annual wellness visit
$0 and a $25 reward
after your annual wellness visit
Lab Services copay$0$0
Prescription drugs4$0 for Tier 1 preferred
generic drugs
$0
Dental, vision,
and hearing
$0 for routine dental services, including implants,
plus annual hearing and eye
exams with up to $250 per year
for eyewear
$0 for routine dental services, including implants,
plus annual hearing and eye exams with up to $250 per year for eyewear
Healthy $avings card1Up to $800 a year
for over-the-counter health
products and approved food
Up to $800 a year
for over-the-counter health
products and approved food
TransportationOne roundtrip to primary care provider or behavioral health professional, post-hospitalizationOne roundtrip to primary care provider or behavioral health professional, post-hospitalization
Meals14 meals (7 days) covered after hospital discharge14 meals (7 days) covered after hospital discharge
Acupuncture, chiropractor, podiatry and therapeutic massageMedicare coverage of acupuncture, chiropractor, and podiatry (therapeutic massage not covered)Medicare coverage of podiatry plus $20 for 20 acupuncture, chiropractor and therapeutic massage visits

Important Considerations

As we noted earlier, you should weigh cost vs. coverage and determine what is most important to you in a health plan. For instance, if you don’t want to pay a monthly premium, CCA Health Medicare Excel is a wise choice. If you want or need additional benefits, you may want to consider CCA Health Medicare Ultima. Also note: If you qualify for Extra Help, your monthly premium for the CCA Health Medicare Ultima plan may be lower.

Step 4: Talk to us if you’d like more help

At CCA Health Michigan, we know that choosing the right health plan can make a big difference in your peace of mind as well as your financial well-being. We want you to know that we’re here to help you explore your options and make that important decision.

If you would like help in deciding which is the best plan for you, call 734-984-4537 (TTY: 711) to speak to a CCA Health Michigan representative.

Certain restrictions may apply. Only at participating locations.
Rides to medical appointments are available through Medicaid.
You may need to continue to pay your Medicare Part B premium.
If you qualify for Extra Help, your costs may be lower.

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