Network Health Armor (PPO) H5215-013 is a 2023 Medicare Advantage Plan or Part-C by Network Health Medicare Advantage Plans available to residents in Wisconsin. This plan does not provide extra prescription drug (Part-D) coverage. Network Health Medicare Advantage Plans Network Health Armor (PPO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $4,900 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $4,900 out-of-pocket. This can be an extremely nice safety net.

Network Health Medicare Advantage Plans works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Network Health Armor (PPO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Network Health Medicare Advantage Plans 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 Network Health Medicare Advantage Plans except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Wisconsin.

2023 Network Health Medicare Advantage Plans Medicare Advantage Plan Overview

What type of plan is Network Health Armor (PPO)

Network Health Armor (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 Network Health Armor (PPO) cost?

Part-C Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Network Health Medicare Advantage Plans charges a $0 premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Network Health Armor (PPO) by Network Health Medicare Advantage Plans MOOP is $4,900. Once you spend $4,900 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.

2023 Summary of Benefits

The benefit information provided is a summary of what Network Health Armor (PPO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Network Health Medicare Advantage Plans 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

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Contact lenses

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

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Eyeglass frames

Vision	Not covered

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Eyeglass lenses

Vision	Not covered

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Eyeglasses (frames and lenses)

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

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Other

Vision	Not covered

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Routine eye exam

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

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Upgrades

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

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Transportation	Not covered
In-Network Skilled Nursing Facility	$0 per day for days 1 through 20 $196 per day for days 21 through 45 $0 per day for days 46 through 100
Out-of-Network Skilled Nursing Facility	$0 per day for days 1 through 20 $196 per day for days 21 through 45 $0 per day for days 46 through 100

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Occupational therapy visit

Out-of-Network Rehabilitation services	$30 copay
In-Network Rehabilitation services	$30 copay

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Physical therapy and speech and language therapy visit

In-Network Rehabilitation services	$30 copay
Out-of-Network Rehabilitation services	$30 copay

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Cleaning

Out-of-Network Preventive dental	50% coinsurance
In-Network Preventive dental	$0 copay

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Dental x-ray(s)

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	50% coinsurance

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Fluoride treatment

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	50% coinsurance

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Oral exam

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	50% coinsurance

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In-Network Preventive care	$0 copay
Out-of-Network Preventive care	$0 copay
In-Network Outpatient hospital coverage	$275 copay per visit
Out-of-Network Outpatient hospital coverage	$275 copay per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	No

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Inpatient hospital - psychiatric

Out-of-Network Mental health services	$395 per day for days 1 through 4 $0 per day for days 5 through 190
In-Network Mental health services	$395 per day for days 1 through 4 $0 per day for days 5 through 90

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Outpatient group therapy visit

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

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Outpatient group therapy visit with a psychiatrist

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

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Outpatient individual therapy visit

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

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Outpatient individual therapy visit with a psychiatrist

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

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Chemotherapy

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

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Other Part B drugs

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

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Diabetes supplies

In-Network Medical equipment/supplies	$0 copay
Out-of-Network Medical equipment/supplies	$0-10 copay per item

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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

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

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

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Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$4,900 In and Out-of-network $4,900 In-network
Out-of-Network Inpatient hospital coverage	$295 per day for days 1 through 6 $0 per day for days 7 and beyond
In-Network Inpatient hospital coverage	$295 per day for days 1 through 6 $0 per day for days 7 through 90

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Fitting/evaluation

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

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Hearing aids

In-Network Hearing	$495-1,695 copay
Out-of-Network Hearing	$495-1,695 copay

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Hearing exam

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

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Health plan deductible	$0
Out-of-Network Ground ambulance	$300 copay
In-Network Ground ambulance	$300 copay

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Foot exams and treatment

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

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Routine foot care

Foot care (podiatry services)	Not covered

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Emergency

Emergency care/Urgent care	$110 copay per visit (always covered)

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Urgent care

Emergency care/Urgent care	$40 copay per visit (always covered)

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Primary

Out-of-Network Doctor visits	$0 copay
In-Network Doctor visits	$0 copay

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Specialist

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

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Diagnostic radiology services (e.g., MRI)

Out-of-Network Diagnostic procedures/lab services/imaging	$40-125 copay
In-Network Diagnostic procedures/lab services/imaging	$40-125 copay

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Diagnostic tests and procedures

In-Network Diagnostic procedures/lab services/imaging	$20-40 copay
Out-of-Network Diagnostic procedures/lab services/imaging	$20-40 copay

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Lab services

In-Network Diagnostic procedures/lab services/imaging	$0-20 copay
Out-of-Network Diagnostic procedures/lab services/imaging	$0-20 copay

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Outpatient x-rays

In-Network Diagnostic procedures/lab services/imaging	$30 copay
Out-of-Network Diagnostic procedures/lab services/imaging	$30 copay

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Diagnostic services

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	50% coinsurance

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Endodontics

Out-of-Network Comprehensive dental	50% coinsurance
In-Network Comprehensive dental	$0 copay

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Extractions

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	50% coinsurance

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Non-routine services

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	50% coinsurance

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Periodontics

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	50% coinsurance

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Prosthodontics, other oral/maxillofacial surgery, other services

Out-of-Network Comprehensive dental	50% coinsurance
In-Network Comprehensive dental	$0 copay

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Restorative services

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	50% coinsurance

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

Network Health Armor (PPO) Reviews

Is Network Health Armor (PPO) a good plan? Network Health Armor (PPO) received a 5 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well Medicare Advantage and Part D plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance. Medicare Advantage with prescription drug (Part D) coverage (MA-PD) contracts are rated on up to 38 unique quality and performance measures. You can use the CMS star rating to compare Network Health Armor Reviews among several different plans.

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with H5215-013 Health Plan

Member Complaints and Changes in Plans Performance

Health Plan Customer Service Rating for Network Health Medicare Advantage Plans

Drug Plan Customer Service Ratings

Ratings For Member Complaints and Changes in the Drug Plans Performance

Member Experience with the Drug Plan

Drug Safety and Accuracy of Drug Pricing

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 Network Health Armor (PPO) requires you to live in that plan’s service area. The service area is listed below:

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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.