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MOOP stands for Maximum Out-of-Pocket. It is the most you would have to pay in a calendar year for covered medical services under a Medicare Advantage plan, after which the plan pays 100% of covered costs for the rest of the year.
Medicare Advantage plans generally cover out-of-network emergency care, but non-emergency care at an out-of-network hospital may cost significantly more or may not be covered at all, depending on your plan type.
Whether your hospital is included depends on which Medicare Advantage plan you choose and whether that hospital has contracted with it. You need to verify this directly before enrolling, because hospital participation changes and directories aren't always current.
Network size varies by plan type and carrier. PPO plans generally offer broader access than HMO plans, but what counts as broad depends on where you live and which doctors you want to keep.
Medicare Advantage plans can offer $0 premiums because the federal government pays private insurance companies a set amount per enrollee. When that government payment covers the insurer's costs, they can pass the savings to you as a $0 premium.
Almost certainly yes. Medicare Advantage plans are sold by service area, usually based on county. If your current plan doesn't operate in Utah, it won't cover you there as a permanent resident, and you'll need to find a new plan.
Peter Abilla is a licensed Utah Medicare agent. He can walk you through this plan's costs, coverage, and whether your doctors are in-network.