2023 Mass General Brigham Advantage Premier (PPO)

Mass General Brigham Advantage Premier (PPO) H9485-002 is a 2023 Medicare Advantage Plan or Part-C by Mass General Brigham Health Plan available to residents in Massachusetts. This plan includes extra prescription drug (Part-D) coverage. Mass General Brigham Health Plan Mass General Brigham Advantage Premier (PPO) has a monthly premium of $140.00 and has an in-network maximum out-of-pocket limit of $3,450 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $3,450 out-of-pocket. This can be an extremely nice safety net.

Mass General Brigham Health Plan works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Mass General Brigham Advantage Premier (PPO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Mass General Brigham Health Plan and not Original Medicare. With 2023 Medicare Advantage Plan you are always covered for urgently needed and emergency care. Plus, you receive all the benefits of Original Medicare from Mass General Brigham Health Plan except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Massachusetts.

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Benefits
Monthly Costs
Formulary and Drugs
Gap coverage
Premium Assistance
MOOP
Coverage Area

2023 Mass General Brigham Health Plan Medicare Advantage Plan Overview

Name:	Mass General Brigham Advantage Premier (PPO)
Plan ID:	H9485 002 0
Provider:	Mass General Brigham Health Plan
Year:	2023
Type:	Local PPO
Combined Premium (C+D):	$140.00/mo
Part C Premium:	$54.20/mo
MOOP:	$3,450/yr
Part D (Drug) Premium:	$85.80/mo
Part D Supplemental Premium	$0/mo
Total Part D Premium:	$85.80/mo
Drug Deductible:	$0/yr
Tiers with No Deductible:	0
Gap Coverage:	No
Benchmark:	Not below the regional benchmark
Type of Medicare Health:	Enhanced Alternative
Drug Benefit Type:	Enhanced
Similar Plan:	H9485-001

What type of plan is Mass General Brigham Advantage Premier (PPO)

Mass General Brigham Advantage Premier (PPO) is a Local PPO. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network, but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.

How much does Mass General Brigham Advantage Premier (PPO) cost?

Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Mass General Brigham Health Plan charges a $140.00 consolidated premium. The Part C premium is $54.20 this charge covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

Part-D Deductible and Premium

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. Mass General Brigham Advantage Premier (PPO) has a monthly drug premium of $85.80 and a $0 drug deductible. This Mass General Brigham Health Plan plan offers a $85.80 Part-D Basic Premium that is Not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0. This Premium covers any enhanced plan benefits offered by Mass General Brigham Health Plan above and beyond the standard PDP benefits. This can include extra coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $85.80. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.

Mass General Brigham Health Plan Gap Coverage

In 2023 once you and your plan provider have spent $4660 on covered drugs. (Combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers extra coverage. This Mass General Brigham Health Plan plan does not offer extra coverage through the gap.

Extra Help Premium Assistance

The Low Income Subsidy (LIS) Extra Helps people with Medicare pay for prescription drugs and lowers the costs of Medicare prescription drug coverage. Income limits are based on the Federal Poverty Level (FPL), which changes every year in February or March. The 2022 income limit is $1,719 ($2,309 for couples) per month. Depending on your income level you may be eligible for a full 75%, 50%, 25% premium assistance. The Mass General Brigham Advantage Premier (PPO) medicare insurance offers a $49.50 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $58.60 for 75% low-income subsidy $67.70 for 50% and $76.70 for 25%.

Full Assistance Premium:	$49.50
75% Assistance Premium:	$58.60
50% Assistance Premium:	$67.70
25% Assistance Premium:	$76.70

MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Mass General Brigham Advantage Premier (PPO) by Mass General Brigham Health Plan MOOP is $3,450. Once you spend $3,450 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.

Formulary and Drug Coverage

Mass General Brigham Advantage Premier (PPO) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$0
Tier 2	NA	$3
Tier 3	NA	$37
Tier 4	NA	$100
Tier 5	NA	33%

The complete Mass General Brigham Advantage Premier (PPO) Formulary.
*Initial Coverage Phase and 30 day supply

2023 Summary of Benefits

The benefit information provided is a summary of what Mass General Brigham Advantage Premier (PPO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Mass General Brigham Health Plan helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)	Covered

Contact lenses

In-Network Vision	$0 copay
Out-of-Network Vision	$0 copay

Eyeglass frames

Vision	Not covered

Eyeglass lenses

Vision	Not covered

Eyeglasses (frames and lenses)

In-Network Vision	$0 copay
Out-of-Network Vision	$0 copay

Other

Vision	Not covered

Routine eye exam

In-Network Vision	$0 copay
Out-of-Network Vision	$40 copay

Upgrades

Vision	Not covered

Transportation	Not covered
Out-of-Network Skilled Nursing Facility	20% per stay
In-Network Skilled Nursing Facility	$0 per day for days 1 through 20 $160 per day for days 21 through 44 $0 per day for days 45 through 100

Occupational therapy visit

Out-of-Network Rehabilitation services	$40 copay
In-Network Rehabilitation services	$20 copay

Physical therapy and speech and language therapy visit

In-Network Rehabilitation services	$20 copay
Out-of-Network Rehabilitation services	$40 copay

Cleaning

Out-of-Network Preventive dental	$0 copay
In-Network Preventive dental	$0 copay

Dental x-ray(s)

Out-of-Network Preventive dental	$0 copay
In-Network Preventive dental	$0 copay

Fluoride treatment

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

Oral exam

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

Out-of-Network Preventive care	$0 copay
In-Network Preventive care	$0 copay
In-Network Outpatient hospital coverage	$175 copay per visit
Out-of-Network Outpatient hospital coverage	20% coinsurance per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	No

Inpatient hospital - psychiatric

Out-of-Network Mental health services	20% per stay
In-Network Mental health services	$125 per day for days 1 through 3 $0 per day for days 4 through 90

Outpatient group therapy visit

In-Network Mental health services	$20 copay
Out-of-Network Mental health services	$40 copay

Outpatient group therapy visit with a psychiatrist

In-Network Mental health services	$20 copay
Out-of-Network Mental health services	$40 copay

Outpatient individual therapy visit

In-Network Mental health services	$20 copay
Out-of-Network Mental health services	$40 copay

Outpatient individual therapy visit with a psychiatrist

In-Network Mental health services	$20 copay
Out-of-Network Mental health services	$40 copay

Chemotherapy

In-Network Medicare Part B drugs	20% coinsurance
Out-of-Network Medicare Part B drugs	20% coinsurance

Other Part B drugs

Out-of-Network Medicare Part B drugs	20% coinsurance
In-Network Medicare Part B drugs	20% coinsurance

Diabetes supplies

Out-of-Network Medical equipment/supplies	20% coinsurance per item
In-Network Medical equipment/supplies	$0 copay

Durable medical equipment (e.g., wheelchairs, oxygen)

Out-of-Network Medical equipment/supplies	20% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

Prosthetics (e.g., braces, artificial limbs)

In-Network Medical equipment/supplies	20% coinsurance per item
Out-of-Network Medical equipment/supplies	20% coinsurance per item

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$5,450 In and Out-of-network $3,450 In-network
In-Network Inpatient hospital coverage	$125 per day for days 1 through 3 $0 per day for days 4 through 90
Out-of-Network Inpatient hospital coverage	20% per stay

Fitting/evaluation

Out-of-Network Hearing	$40 copay
In-Network Hearing	$0 copay

Hearing aids

In-Network Hearing	$699-999 copay
Out-of-Network Hearing	$699-999 copay

Hearing exam

In-Network Hearing	$0 copay
Out-of-Network Hearing	$40 copay

Health plan deductible	$0
Out-of-Network Ground ambulance	$200 copay
In-Network Ground ambulance	$200 copay

Foot exams and treatment

In-Network Foot care (podiatry services)	$20 copay
Out-of-Network Foot care (podiatry services)	$40 copay

Routine foot care

Foot care (podiatry services)	Not covered

Emergency

Emergency care/Urgent care	$90 copay per visit (always covered)

Urgent care

Emergency care/Urgent care	$30 copay per visit (always covered)

Primary

In-Network Doctor visits	$0 copay
Out-of-Network Doctor visits	$10 copay per visit

Specialist

Out-of-Network Doctor visits	$40 copay per visit
In-Network Doctor visits	$20 copay per visit

Diagnostic radiology services (e.g., MRI)

In-Network Diagnostic procedures/lab services/imaging	$150 copay
Out-of-Network Diagnostic procedures/lab services/imaging	20% coinsurance

Diagnostic tests and procedures

Out-of-Network Diagnostic procedures/lab services/imaging	$10 copay
In-Network Diagnostic procedures/lab services/imaging	$0 copay

Lab services

Out-of-Network Diagnostic procedures/lab services/imaging	$10 copay
In-Network Diagnostic procedures/lab services/imaging	$0 copay

Outpatient x-rays

In-Network Diagnostic procedures/lab services/imaging	$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging	$10 copay

Diagnostic services

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	20% coinsurance

Endodontics

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	20% coinsurance

Extractions

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	20% coinsurance

Non-routine services

Comprehensive dental	Not covered

Periodontics

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	20% coinsurance

Prosthodontics, other oral/maxillofacial surgery, other services

Out-of-Network Comprehensive dental	20% coinsurance
In-Network Comprehensive dental	$0 copay

Restorative services

Out-of-Network Comprehensive dental	20% coinsurance
In-Network Comprehensive dental	$0 copay

In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?	No

Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for Mass General Brigham Advantage Premier (PPO) requires you to live in that plan’s service area. The service area is listed below:

State:	Massachusetts Medicare
County:	Bristol County MA Plans Essex County MA Plans Middlesex County MA Plans Norfolk County MA Plans Plymouth County MA Plans Suffolk County MA Plans Worcester County MA Plans

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How much does Mass General Brigham Advantage Premier (PPO) cost?

Mass General Brigham Health Plan charges a $140.00 consolidated monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage of Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

How much is Mass General Brigham Advantage Premier (PPO) MOOP?

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Mass General Brigham Advantage Premier (PPO) by Mass General Brigham Health Plan MOOP is $3,450. Once you spend $3,450 you will pay nothing for Part A or Part B covered services.

What type of plan is Mass General Brigham Advantage Premier (PPO)?

Mass General Brigham Advantage Premier (PPO) is a Local PPO. A (PPO) is a Medicare plan that has contracts with a network of preferred providers. You do not need to select a primary care physician and you do not need referrals to see other providers in the network.

Source:CMS. Data as of Oct 1, 2022.

Last updated on December 03, 2022

Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.