Preferred Care Partners Medicare Advantage Special Needs Plans (SNPs) offer comprehensive healthcare coverage in Miami-Dade, Broward, and Palm Beach counties. These plans are designed as Health Maintenance Organization (HMO) and Health Maintenance Organization – Point of Service (HMO-POS) models, integrating the essential hospital and doctor services of Medicare Parts A and B with the added benefit of Part D prescription drug coverage. Furthermore, preferred care partners SNPs are tailored with extra benefits and services specifically to address the distinct healthcare requirements of select Medicare beneficiary groups.
For individuals eligible for both Medicare and Medicaid, Preferred Care Partners Dual Eligible SNP plans provide a streamlined healthcare experience. These plans, known as Dual Eligible Special Needs Plans (D-SNPs), facilitate access to specialist care without the need for referrals. Two plan options are available under this category:
- UHC Preferred Dual Complete (HMO D-SNP)
- UHC Preferred Dual Complete (HMO-POS D-SNP)
Catering to beneficiaries managing chronic health conditions, the Preferred Care Partners Chronic Condition SNP plan delivers specialized benefits and services. This Chronic Condition Special Needs Plan (C-SNP) is specifically designed for Medicare recipients diagnosed with chronic conditions such as diabetes, heart failure, and cardiovascular disorders. Similar to the Dual Eligible SNP plans, referrals are not required to access specialist care within this plan. The available plan under this category is:
- UHC Preferred Complete Care (HMO C-SNP)
To clarify plan structures, Health Maintenance Organization (HMO) plans operate with a network of local physicians and hospitals under contract. Members enrolled in HMO plans typically need to utilize these in-network providers to receive coverage for services, except in emergency situations.
Health Maintenance Organization – Point of Service (HMO-POS) plans expand on the HMO model by providing greater flexibility. While retaining all the features of HMO plans, HMO-POS plans allow members to seek certain healthcare services outside of the contracted network. However, utilizing out-of-network services generally results in higher out-of-pocket costs for the member. It’s worth noting that some POS plans may limit out-of-network coverage to specific services, such as dental care.
Preferred Care Partners plans are insured by UnitedHealthcare Insurance Company or its affiliates, which are Medicare Advantage organizations holding a Medicare contract and a Medicaid Program contract with the State. It is important to remember that plan enrollment is contingent upon the plan’s contract renewal with Medicare.
