Overview of SecureHorizons Medicare Supplement Insurance

 SecureHorizons is part of a larger organization headed by UnitedHealth Group. Through their group of companies, SecureHorizons offer a wide range of health care coverage including Medicare supplemental insurance plans.

Through SecureHorizons, UnitedHealthcare offers Medicare Advantage plans that can provide all of the Original Medicare benefits and even more. SecureHorizons Medicare plans do not require that you get a medical exam before enrollment. Unless you have end-stage renal disease, there are no other pre-existing conditions for enrollment.

Important Reminder: If you are not happy with your current Medicare coverage, you may be able to switch your Medicare plans prior to March 31, 2010.

The health plans that you choose can depend on where you live. In order to get the plan that meets your needs, you will have to enter your zip code. These health plans include:

Predictable or no monthly premiums

Plans with or without prescription drug coverage

Freedom to choose your provider

Networks of top hospitals, doctors and specialists

Additional benefits and services not covered by Original Medicare

There are 4 different Medicare plans that are offered by SecureHorizons. These include MedicareComplete plans, MedicareComplete Choice plans, SecureHorizons MedicareDirect plans, and Special Needs plans.

MedicareComplete plans - These plasn are Health Maintenance Organization (HMO) plans. You receive care through a network of local doctors and hospitals. MedicareComplete Plus plans are HMO plans that give you a Point-of-Service (POS) option to have the ability to go outside of the network to get some health care services.

MedicareCompleteChoice plans - These plans are Preferred Provider Organization (PPO) plans. You have access to the network of local hospitals and doctors, but you are still allowed to use hospitals and doctors outside the network. This is usually at a higher cost.

SecureHorizons MedicareDirect plans - These plans are Private Fee-For-Service (PFFS) plans that allow you to use any Medicare-approved provider who agrees to the payment terms and you do not need to be referred by a specialist.

Special Needs plans - these plans provide Medicare health care coverage for people that qualify for both Medicare and Medicaid, livein an institution, or have a certain chronic illness.

SecureHorizons Medicare Supplement Insurance plans:

Original Medicare covers most health care costs, but does not cover costs like copayments, deductibles and coinsurance. These costs are gaps in your Medicare coverage.

You can cover these gaps by purchasing Medigap Insurance through a SecureHorizons Medicare Supplement Insurance plan. Choosing a Medigap policy can be difficult. There are several different Medicare Supplement plans that are available in some states. SecureHorizons Medicare Supplement insurance plans are available in most states.