Medicare Advantage

2019 Aspire Medicare Advantage Plan Overview

For more information on Medicare, please call the number below to speak with a healthcare specialist:

1-800-810-1437 TTY 711

Aspire is a locally owned nonprofit health plan that brings its knowledge of the community to the seniors it serves. The company offers Medicare Advantage plans to residents of Monterey County, California.

Aspire is part of Montage Health, a nonprofit group focused on improving the health of Monterey County residents. In addition to the health plan, the group manages doctor’s offices, rehabilitation and hospice services and a community hospital. Montage Health focuses on coordination of care and providing comprehensive health services to its patients. The company reported $1.8 billion in revenue for fiscal year 2017. Of this figure, $23 million came from Aspire plans.

Aspire began offering Medicare Advantage Plans in 2013. In 2017, Aspire had 3,300 members. The company offers three Medicare Advantage plans: Aspire Health Value (HMO), Aspire Health Advantage (HMO) and Aspire Health Plus (HMO-POS). The plans received a 4 star rating from CMS in 2018. All plans include prescription drug coverage as well as transportation and wellness benefits, and some feature additional benefits.

If you’re a resident of Monterey County, you’ll have access to a robust network of providers via Aspire. Over 700 doctors and all four Monterey County hospitals are in network for Aspire’s Advantage plans, which strive to coordinate personal care for each member while containing costs.

Comparing Aspire Medicare Advantage Plans For 2019

As we mentioned, Aspire offers three plan types for Medicare Advantage in 2019. While the company only serves Monterey County, your costs and coverage could vary based on your zip code. Below, we’ve offered a summary of plan options you might find with Aspire.

Aspire Medicare Advantage (2019)
Health Value HMO Health Advantage HMO Health Plus HMO
Monthly premium $35 $129 $249
Copay (primary) $12 $6 $0
Deductibles $0 for medical $0 for drug $0 for medical $150 for drug (tiers 3-5) $0 for medical $0 for drug
Network In-network coverage only In-network coverage only May not cover out-of-network services, but you aren’t limited to a network
Rx coverage? Yes Yes Yes
Rx cost $5 copay for tier 1 $4 copay for tier 1 $0 copay for tier 1
Special features Fitness membership, home fitness kits, transportation benefits, acupuncture and chiropractic Fitness membership, home fitness kits, transportation benefits, acupuncture and chiropractic Fitness membership, home fitness kits, transportation, acupuncture, chiropractic and travel benefits
Out-of-pocket max $6,700 $5,000 $0
CMS Star Rating 4 4 4

Aspire doesn’t sell Medigap policies in 2019, which are supplemental policies that you can use to complement original Medicare. But Medicare Advantage is an increasingly popular option among Medicare enrollees, representing over a third of beneficiaries in 2018. Aspire serves Monterey California exclusively, so if you’re a resident here and looking for good benefits, consider the private alternative to traditional Medicare.

Not sure where or how to get started? We can help. Contact us today to discuss your needs and shop your options for Medicare coverage in 2019. Call us toll-free, or by using the form below. 

Need help? Speak with a human.

1-800-810-1437TTY 711
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