The Benefits of an ICW Medicare Advantage Plan
Medicare Advantage (also known as Medicare Part C) covers the same services as Medicare Part A and B – hospital coverage and comprehensive medical insurance – often with added benefits. It’s important for patients to compare available Medicare Advantage plans as they vary on coverage, cost, and benefits. But with a variety of choices there is sure to be a plan that meets your specific healthcare needs and covers your providers in-network.
ICW Medicare Advantage Plans
To best meet your healthcare needs, ICW offers patients of ICW Providers four Medicare Advantage plans to choose from. All are with UnitedHealthCare and are HMO plans that operate more like a PPO, under ICW, with no specialty referral requirements. All four of the plans also include Part D, prescription drug coverage
The Benefits of Choosing a Medicare Advantage Plan with ICW
- Access to the health plan’s network with no to low referral authorization requirements
- Peace of mind knowing your provider is part of an organization that puts patients and providers first so you can receive the highest quality care
- Greater coverage for services such as dental, vision, hearing, and prescription drugs
- Fitness program gives you free access to local gyms
- Lower costs with the protection of set co-pays and an annual out-of-pocket maximum
- Local advocates for you and your provider – ICW staff are here to support our providers and their patients by reducing administrative burdens in healthcare
Frequently Asked Questions
ICW is the only organization of its kind that is by and for independent providers. ICW’s provider alliance connects local independent providers — giving them the collective ability to negotiate better terms with health plans and allowing them to keep the decision-making about treatment and care where it belongs: between patient and provider.
- Providers work with ICW’s locally based team, not corporatized entities.
- ICW eliminates referral requirements to see specialists, reducing administrative hurdles and wait times.
- ICW offers no-cost comprehensive care coordination for health issues large and small.
- UnitedHealthcare AARP Medicare Advantage 0007 (HMO-POS)
- UnitedHealthcare AARP Medicare Advantage 0010 (HMO-POS)
- UnitedHealthcare AARP Medicare Advantage 0006 (HMO-POS)
- UnitedHealthcare AARP Medicare Advantage 0005 (HMO-POS)
There are many Medicare Advantage plans available on the market today and we understand choosing a plan can be overwhelming. By enrolling in an ICW Medicare Advantage plan, you get access to a large national network of providers with local support and resources. You receive the peace of mind knowing you are on a plan that puts patients and providers first.
- Local clinic support: These plans help sustain local clinics in your community.
- Provider Network: You can access UnitedHealthcare’s extensive network of healthcare providers.
- No Referrals: No referrals are required to see specialists, providing you with more direct access to specialized care.
- Global Coverage: Urgent and Emergency coverage is available worldwide, ensuring you’re protected even when traveling.
- Eyewear and Hearing Aid: ICW plans provide up to $250 annual allowance for eyewear and cover two hearing aids per year.
- Fitness Benefits: Complimentary gym memberships to promote a healthy lifestyle.
- Dental Coverage: Some plans offer a $1,000 dental benefit, covering various dental services and treatments.
Yes. Unlike some traditional HMO plans, ICW Medicare Advantage Plans do not require referrals to see specialists. You can directly access the care you need and the location you prefer through UnitedHealthcare’s extensive network of providers.
- Initial Enrollment in Medicare: You can enroll starting 3 months before your 65th birthday or within the 3 months after it.
- Medicare Annual Enrollment: Starts annually on October 15 and ends December 7 every year.
- Medicare Advantage Open Enrollment: From January 1 to March 31 every year, you are allowed to switch from one Medicare Advantage plan to another, or switch from a Medicare Advantage Plan to Original Medicare.
- Special Enrollment: Certain life events may allow you to enroll outside of the normal enrollment periods. Please see Medicare.gov to learn more.
Yes, if you become eligible for Medicare when you turn 65 and are still working, you have the option to enroll in Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) when you turn 65. Before enrolling in a Medicare Advantage plan, you must enroll in Parts A and B.
Enrolling in a Medicare Advantage plan could provide additional coverage to employer-provided health insurance. Everyone’s situation is unique, and for some, delaying enrollment in Medicare while you continue to work is the right choice. For others, enrolling when first eligible is the right choice.
We encourage you to review your employer coverage and the Medicare Advantage plans available. An ICW Medicare Representative can help you decide what is best, based on your specific situation: (206) 878-1985, ext. 246.
ICW is not an insurance company but contracts with and manages Apple Health and Medicare Advantage plans on behalf of providers.
Learn more about Medicaid/Apple Health, who it is for, how it works and the types of plans.
ICW is a Washington organization with deep roots in Puget Sound communities. Our locally based staff provide personalized service.