Explore Your Plan Options

Compare our plans and find the right one for you!

Plan Comparison (H8578_2012_023R CMS Approved 12/22/2011) – This is an easy way to see all the plans HNE has to offer, and compare the premiums and copayments in our different plans. If you prefer, you may review each plan individually:

• HNE Medicare Premium (HMO)
• HNE Medicare Premium No Rx (HMO)
• HNE Medicare Plus (HMO)
• HNE Medicare Basic (HMO)
• HNE Medicare Basic No Rx (HMO)
• HNE Medicare Freedom (HMO-POS) Point of Service

Summary of Benefits Booklets – These are more in-depth comparisons of HNE’s plans and original Medicare, including premiums and copayments for our plans.

Additional Benefits - Allowances Highlight Sheet (H8578_2012_036 CMS Approved 09/14/2011) – A description of some of the additional benefits with all HNE plans.

Clinical Programs Summary (H8578_2011_024R CMS Approved 09/22/2010) – A brief description of clinical programs that can help you.

Plan Ratings (H8578_2012_204 File & Use 10/17/2011) - The Medicare Program rates how well Medicare Advantage and Prescription Drug Plans perform in different categories.

Once you are familiar with HNE’s Medicare Advantage Plans, then you can find providers in our directory and prescription drugs on our formulary.  (Use Quick Links for Providers and Prescription Drugs.) If you like what you see, attend an informational session or simply enroll online by clicking: Enroll Now! (For paper versions, please go to the Enrollment Form and Instructions).

You are eligible to join HNE if:

• You are entitled to Medicare Part A and are enrolled in Medicare Part B;
• You live in our service area – Hampden, Hampshire or Franklin County;
• You do not have end stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant), with limited exceptions.* You can join without having to complete a physical. You cannot be turned down or canceled because of illness.

* See Eligibility Requirements on the Enrollment Form and Instructions page for more details.

Remember, you can join, switch, or drop a Medicare Advantage Plan only at certain times of year. See Key Enrollment Dates for details.

If you enroll in one of our Medicare Advantage HMO plans, you may go to any network provider without a referral from your primary care provider. Members enrolled in our HNE Medicare Basic (HMO), HNE Medicare Plus (HMO), and HNE Medicare Premium (HMO) plans must use HNE network providers for all routine medical care. Members enrolled in our HNE Medicare Freedom (HMO-POS) Point of Service plan can choose to get routine medical care from network providers or use their Point of Service benefit to get care from non-network providers. HNE Medicare Freedom members pay more when they use non-network providers for routine medical care. (Click here for our Provider Directory, which provides a listing of participating providers. (H8578_2012_002 File & Use 08/30/2011)

HNE Medicare Advantage is a health plan with a Medicare contract. The contracts with the Centers for Medicare & Medicaid Services (CMS) are renewed annually; coverage beyond the end of the current contract is not guaranteed. Our plan is authorized by law to refuse to renew its contract with CMS and CMS also may refuse to renew the contract. Termination or non-renewal may result in termination of your enrollment in our plan. HNE Medicare Advantage may reduce its service area and no longer offer services in the area where you reside.

The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information, contact Member Services at one of the numbers listed below. Benefits, formulary, pharmacy, network, premium and/or co-payments/co-insurance may change on January 1, 2013. Please call Member Services for details.