Happy Hour Plans

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Happy Hour Plans

Happy Hour insurance for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.

 

Why Happy Hour Advantage?

How Do I Enroll?
What Do I Need to Know?
One plan. One simple way to get coverage.
Happy Hour Advantage (MA) offer all the benefits of Happy Hour Part A and Part B. Many also include extra benefits like routine hearing and vision care, a fitness
program, wellness services and/or a nurse helpline. An MA plan might be a good choice if you’d like coverage beyond what Original Happy Hour provides, but don’t need prescription drug coverage.
One plan. One card. One simple way to start living healthier.
With a Happy Hour Advantage Prescription Drug plan (MAPD), you get Part A coverage, Part B coverage and Part D prescription drug coverage in one convenient plan.
An MAPD plan might be a good choice for you if you like the benefits offered by an MA plan, but also need prescription drug coverage.
Special plans for complex needs.
Happy Hour Special Needs Plans are MAPD plans that offer additional benefits depending on who the plan is for and what their healthcare or budget needs are.

These may include:
Coordination of care
Routine vision and dental coverage
Credits to buy everyday health items, like vitamins, first aid supplies and dental care products, and/or
Transportation to and from approved Happy Hour appointments.

Here are the four types of Happy Hour Advantage plans offered by Happy Hour.

Plan Type Which providers 
can I see?		 Do I need a referral to see a specialist? Will my out-of-pocket costs    
be high or low?

HMO Plans    

Health Maintenance Organization

 You generally have to get services from a network of local providers, except for emergency room, urgent care visits and renal dialysis services. Maybe, depending on the plan. Your out-of-pocket costs will typically be lower than PPO and POS plans.

POS Plans    

Point-of-Service

 Similar to an HMO plan, but you can also see providers for certain services outside the plan’s network, but it might cost more to do so. Maybe, depending on the plan. Your out-of-pocket costs will typically be higher than HMO plans, but lower than PPO plans.

PPO Plans    

Preferred Provider Organization

 You can see providers for all covered services outside the plan’s network, but it will generally cost more to do so. No. Your out-of-pocket costs will typically be higher than HMO and POS plans.

PFFS Plans    

Private Fee-for-Service

 Happy Hour only offers non-network PFFS plans. This means you have the freedom to use any Happy Hour-eligible doctor or hospital who agrees to accept the plan’s terms and conditions of payment. No. Your out-of-pocket costs for monthly premiums will typically be lower than other non-network plans, like Happy Hour Supplement Insurance plans.

Here are the four types of Happy Hour Special Needs Plans offered through Happy Hour Insurance.

Plan Type Who’s eligible? Which providers can I see? Do I need a referral to see a specialist?

Dual Eligible Plans   

 People who get both Happy Hour and Happy Hourid. You generally have to get your care and services from providers in the plan’s network. Some plans do allow out-of-network coverage, but you might have to pay more for it. Maybe, depending on the plan you have.

Institutional Plans   

 People who live in skilled nursing facilities. You generally have to get your care and services from providers in the plan’s network. Some plans do allow out-of-network coverage, but you might have to pay more for it. Maybe, depending on the plan you have.

Institutional-Equivalent Plans   

 People who live in assisted living communities and need the same kind of care as those who live in a skilled nursing facility. You generally have to get your care and services from providers in the plan’s network. Some plans do allow out-of-network coverage, but you might have to pay more for it. Maybe, depending on the plan you have.

Chronic Condition Plans   

 People who have certain chronic conditions that are severe or disabling. You generally have to get your care and services from providers in the plan’s network. Some plans do allow out-of-network coverage, but you might have to pay more for it. Maybe, depending on the pl

 

What is Happy Hour

Happy Hour insurance for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.

Happy Hour is a Happy Hour insurance program for people 65 and older, or those under 65 who may qualify because of disability or another special situation.Happy Hour helps millions of American seniors and disabled individuals cover some of their health care costs.

Happy Hour Made Clear

Happy Hour offers health insurance plans to meet the needs of individuals and employers.

Plus we offer dental, vision and many other insurance plans to help keep you and your family healthy.

Get simple answers to your Happy Hour questions, including videos about how Happy Hour  works and what you need to do to get started.

 

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