at a glance
- MVP offers Medicare Advantage (Part C) plans to residents of New York and Vermont.
- MVP offers both HMO-POS and PPO plan options.
- MVP plans include prescription drug coverage, as well as extra benefits for fitness, hearing aids, telehealth, and more.
- MVP is a regional, not-for-profit health plan, but it contracts with a network of over 500,000 healthcare providers nationwide.
MVP is a health insurance provider offering Medicare Advantage plans to residents of New York and Vermont. The company serves more than 700,000 customers, with plans that are highly rated by both Medicare and by the National Committee for Quality Assurance.
In 2022, MVP offers many different Medicare Advantage plan options, These plans include extra coverage for services like telehealth, fitness benefits, and prescription drug coverage, among others.
MVP offers two different types of Medicare Advantage plans. However, not all plans are available in all counties.
We’ll take a closer look at each type below.
MVP HMO-POS plans
A Health Maintenance Organization (HMO) is a common type of health insurance plan. HMO plans work with a network of providers for coverage. This means you’ll typically need to see doctors, therapists, and other providers who are part of your plan’s network.
All HMOs offered by MVP are HMO Point-of-Service (HMO-POS) plans. This type of plan allows more flexibility than a traditional HMO, with no need for referrals from a primary care physician (PCP). You’ll also be able to see out-of-network providers, but with a higher copay.
MVP PPO plans
MVP also offers Preferred Provider Organization (PPO) plans. Like an HMO, a PPO has a network, but it is similar to an HMO-POS in that you have some freedom to see out-of-network providers.
With a PPO, you’ll pay a lower price to see in-network providers. Visits with out-of-network providers will come at a higher cost. For example, your copay for an in-network doctor’s visit might be $10, but your copay for an out-of-network doctor’s visit might be $50.
All of MVP’s Medicare Advantage plans offer Part D prescription drug coverage. However, there are some plans that allow you to opt out of this coverage. You may decide to do this if you’re already covered by a spouse’s or employer’s plan or just prefer this coverage through another company.
MVP does not offer separate, standalone Medicare Part D plans.
MVP offers Medicare Advantage plans in several counties in both New York and Vermont.
To find out which MVP plans are offered in your specific location, you can select your county on the company’s website here.
The MVP Medicare Advantage plans that are available to you will depend on the county where you live. All MVP plans cover many services and benefits.
These services go beyond the standard coverage of original Medicare and include:
- emergency out-of-network care
- emergency care when traveling abroad
- free preventive care, including screenings and vaccinations
- free membership to SilverSneakers
- free meal delivery after hospital stays
- hearing aid discounts
- vision benefits powered with EyeMed and glasses allowance
- ability to earn a rewards gift card of up to $200 for completing health and wellness activities
- $0 copays for telehealth visits
- free health management services, including prescription reviews and wellness programs
- discounts on over-the-counter medicines and health-related items with most plans
- free transportation for up to 12 one-way rides to medical appointments with some plans
- optional extra dental coverage
The cost of your plan will depend on your county and the plan you choose. Keep in mind that the premium per month will be in addition to the standard Part B premium.
In the table below, we’ve compiled a sampling of costs for some of MVP’s Medicare Advantage plans in a few counties.
| Location | Plan | Monthly premium | Drug deductible | PCP copay | Specialist copay | Out-of-pocket max |
|---|---|---|---|---|---|---|
| Westchester County, NY | MVP Medicare Secure with Part D (HMO-POS) | $40 | $150 | $0 | $40 | $7,550 |
| MVP Medicare Preferred Gold (HMO-POS) | $140 with Part D, $62 without Part D | $0 | $0 with Part D, $15 without Part D | $30 | $5,800 with Part D, $7,550 without Part D | |
| MVP Medicare WellSelect (PPO) | $0 | $250 | $0 in network, $5 out of network | $45 in network, $50 out of network | $7,550 in network, $11,300 out of network | |
| Erie County, NY | MVP Medicare Secure with Part D (HMO-POS) | $15 | $300 | $0 | $45 | $7,550 |
| MVP Medicare Preferred Gold (HMO-POS) | $211 with Part D, $105 without Part D | $0 | $0 | $40 with Part D, $30 without Part D | $7,550 | |
| MVP Medicare WellSelect (PPO) | $80 | $250 | $0 | $45 | $7,550 in network, $11,300 out of network | |
| Chittenden County, VT | MVP Medicare Secure Plus (HMO-POS) | $90 | $0 | $0 | $40 | $7,550 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) | $62 | $0 | $15 | $30 | $7,550 | |
| MVP Medicare WellSelect with Part D (PPO) | $0 | $300 | $0 | $45 | $6,500 in network, $11,300 out of network | |
| Windsor County, VT | UVM Health Advantage Select (PPO) | $0 | $250 | $0 | $35 | $6700 |
| MVP Medicare Secure Plus with Part D (HMO-POS) | $90 | $0 | $0 | $40 | $7,550 | |
| MVP Medicare WellSelect with Part D (PPO) | $0 | $300 | $0 | $45 | $7,550 in network, $11,300 out of network |
Medicare Advantage (Part C) plans are offered by insurance companies, like MVP, that contract with Medicare.
These plans are required to offer the same coverage as Medicare Part A (hospital insurance) and Medicare Part B (health insurance). Parts A and B together are often known as original Medicare. This coverage includes:
- hospital stays
- hospice care
- limited home healthcare
- doctor’s visits
- emergency ambulance rides
- ER and urgent care visits
- medical equipment
- physical, occupational, and speech therapy
- preventive care, such as vaccines and screenings
All Medicare Advantage plans cover these services and take the place of original Medicare. Many companies include additional coverage with their plans, similar to the MVP coverage discussed earlier.
Unlike original Medicare, which is the same nationwide, Medicare Advantage plans are specific to where you live. Some insurance companies only offer plans in a few states or even counties.
Others may cover several states but have different plans depending on the ZIP code where you live. You can compare plans in your area using the Medicare plan finder tool.
MVP offers HMO-POS and PPO Medicare Advantage plans to residents of New York and Vermont. These plans include Part D coverage and come with extra coverage for fitness memberships, telehealth, wellness services, and more.
Depending on your county, you can choose MVP plans at a few different price points. The right plan for you will depend on your budget and on your healthcare needs.