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Care1st Health Plan Medicare Supplement Insurance Review

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Care1st Health Plan offers managed care services for patients in California, Arizona, and Texas, through their ample network of doctors, hospitals, and ancillary medical professionals. Founded in California in 1994, Care1st is partnered with Blue Shield and operates as a subsidiary of Cumulus Holding Company, Inc. They have a B+ rating with the BBB, though they are not accredited by the organization.
 
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How is Care1st Health Plan rated?

Breakdown

5.0/5
Level of Coverage
4.5/5
Services
4.5/5
Reputation and Customer Experience
4.5/5
Financial Strength

Overall Rating: 4.6 / 5 (Excellent)

Care1st operates in just three states, (California, Arizona, and Texas), but the level of coverage they offer is very high for the industry, with ancillary benefits such as fitness programs and a variety of available discounts. Apart from the standard Plan F, the company also offers a high-deductible version with the same coverage, once beneficiaries have met the deductible. All in all, Care1st is an excellent Medigap option for residents within their coverage states.

Care1st Health Plan Coverage

Level of Coverage - 5 / 5

Care1st offers comprehensive coverage, with a large variety of different plans, including high-deductible Plan F. This last plan has the lowest monthly premium of all the policies that Care1st offers, after beneficiaries meet the $2,240.00 deductible. Additionally, the company has partnered with SilverSneakers® Fitness to offer nation-wide access to gyms, equipment, pools, and classes through the United States. Finally, they also offer Vision or Dental Care for an additional price.

Plan Types

  • Plan A - It includes hospital copayment costs up to a year after Medicare benefits are exhausted, the first three pints of blood, Part B coinsurance including preventive care services after deductible, and hospice care.
  • Plan B - Offers the same amount of coverage as Plan A, with the addition of a hospital deductible in each benefit period.
  • Plan F - Less expensive than other plans, F covers all the same benefits as C, with the addition of 100% of Part B's excess charges.
  • Plan G - Covers almost every Medicare supplemental insurance benefit, with the exception of Part B's annual deductible.
  • Plan L - Just like Plan K, this covers all of your Part A & B copays after a certain amount out-of-pocket, and 75% of every benefit that Plan K covers (instead of 50%).
  • Plan M - Covers hospital copayments, 75% of Part B co-insurance, first 3 pints of blood, 50% of hospital deductible, skilled nursing facility, foreign emergency care, 100% Part B preventive care services post-deductible, and hospice care.
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

At a Glance

Additional Benefits
Contact a nurse
Routine Vision or Dental Care

Care1st Health Plan Pricing

Services - 4.5 / 5

Care1st plans have fairly average price points for the industry. However, a big advantage is that their informational pamphlets are very comprehensive, with helpful pricing charts divided by different types of users (male or female, smoker or non-smoker, etc). They also offer a fair number of discounts, for paying in full, or multiple policies within one household.

Average Premiums

Average low premiums
$45.00
Average high premiums
$400.00

Cost

Discounts
Paying in full
Multiple policies
Electronic funds transfer
Early payments

Care1st Health Plan Customer Experience

Reputation and Customer Experience - 4.5 / 5

Care1st offers multiple ways for customers to get in contact with them, either by a 24/7 call center, (with nurses available), as well as more traditional email or snail mail. The company's reputation is good, with an excellent A+ rating with the BBB (though this is based on very few reviews), and an average complaint ratio.

Support

  • 24/7 call center
  • Email
  • Snail mail
  • Toll-free number
  • In-person availability

Educational Resources

  • FAQs

Reviews

BBB Rating
A+
NAIC Complaint Ratio 2017
1.0
NAIC Total Complaints 2016
72
Date Collected
2018-03-23

Care1st Health Plan Financial Strength

Financial Strength - 4.5 / 5

Care1st's financial strength does leave room for improvement, as their parent company has a Caa2 rating with Moody's, which is classified as a high credit risk. However, Care1st itself seems to have a solid financial standing, though there is very little information regarding its assets.

Ratings

Moody's Financial Rating
Caa2

Year Founded

1994

Underwriter

Cumulus Holding Company, Inc.

Company Profile

Full Name
Care1st Health Plan Medicare Supplement Insurance
Company Website
https://www.care1st.com/
Headquarters
601 Potrero Grande Drive, Monterey Park, CA, 91755
Mailing Address
601 Potrero Grande Drive, Monterey Park, CA, 91755

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Top Rated
Our Partner
  • Limit out-of-pocket costs
  • 8 of 10 Medigap policies offered, depending on location
  • Managed healthcare solutions
  • National coverage
  • High deductible Plan F available in some states
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