Highmark medicare advantage dental

If you're eligible for Medicare, you'll have a different enrollment period from everyone else. Here's the lowdown on when you should apply for Medicare... Calculators Helpful Guide...

Highmark medicare advantage dental. To enroll in a Highmark plan or learn more call. 1-844-614-0343 (TTY users call 711) 8 a.m. - 8 p.m. ET, Monday to Friday. 9 a.m. - 5 p.m. ET, Saturday. Or visit our Reservations site. Do you have questions about medicare eligibility, enrolling, or using your benefits? We've got the answers to the most asked questions, or submit a question.

Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of ...

Dental care is a vital part of maintaining your health and well-being, especially as you age. And one of the main perks of joining a Medicare Advantage (MA) plan is that many plans offer dental coverage to help you keep up with your oral health. Original Medicare, on the other hand, does not cover routine dental care, such as cleanings, X-rays ...In today’s digital age, accessing information and managing our healthcare needs has never been easier. With the introduction of online platforms like MyMedicare on Medicare.gov, be...Call 1-844-232-0500 (TTY users call 711) Y0037_23_2036_M. Last updated on November 22, 2021. Enhanced Community Care Management (ECCM) is a service that Highmark offers free of charge to members who would benefit from specialized care coordination and/or supportive care while maintaining their independence in the …The major differences between Medicare Part A and Medicare Part B are the covered services each part of the program provides. Medicare Part A is hospital insurance; Part B is medic...Security Blue HMO-POS is a Mesidicare Advantage Health Maintenance Organization plan that covers all Medicare-covered benefits, including preventive care, doctor visits, hospital stays, and more. Plus you get added benefits like routine dental, vision, and hearing care. You can choose a plan with Part D Prescription Drug coverage, giving you ...

Request for Redetermination of Medicare Prescription Drug Denial. Use this form to request a redetermination/appeal from a plan sponsor on a denied medication request or direct claim denial. Can be used by you, your appointed representative, or your doctor. May be called: CMS Redetermination Request Form. Access on CMS site.Highmark's Provider Resource Center is your source for all provider-related information and updates. The PRC offers resources to assist in the treatment of your Highmark patients, such as prior authorization requirements, credentialing information, medical policies, pharmacy information, and much more.Highmark Medicare Advantage plans are highly rated but available in only four states: Delaware, New York, Pennsylvania and West Virginia. They offer a number of benefits, from Part B Premium Giveback to 24/7 support, but also have some drawbacks, such as small $0-premium plans and high out-of-pocket costs. Compare costs and benefits of different plans and providers with NerdWallet.Medigap plans are designed to work with Medicare Parts A and B to help cover your share of Medicare covered services like copays, coinsurance, and deductibles. If you require additional vision, hearing, dental, and fitness benefits, you can add Whole Health Balance (optional) to your Medigap Blue Plan for an additional $34.50 per month.In 2023, the average monthly premium for a Medicare Advantage Plan in Georgia is $14.37, a decrease from $13.34 in 2022. Forty-seven Medicare Advantage Plans offer innovative benefits, such as wellness and health care planning, reduced cost-sharing, and rewards and incentives programs in 2023. Designed to be an all-in-one …Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association …Free for anyone, call anytime for around-the-clock support. Highmark Wholecare Call Center. 1 (800) 392-1147 TTY 711. Highmark Wholecare offers Medicaid dental coverage for Pennsylvania residents. Learn about our coverage and find dentists or oral surgeons that accept Medicaid.We are committed to providing outstanding services to our applicants and members. If you require special assistance, including accommodations for disabilities or limited English proficiency, please call us at 1-800-876-7639 or TTY at …

Highmark Blue Shield P.O. Box 890173 Camp Hill, PA 17089 -0173 Medicare Advantage: Freedom Blue PPO Community Blue HMO Community Blue Medicare PPO/Plus PPO Freedom Blue PPO P.O. Box 890062 Camp Hill, PA 17089 -0062 Highmark Blue Shield Major Medical Highmark Major Medical P.O. Box 890393 Camp Hill, PA 17089 -03934.5 out of 5 stars* for plan year 2024. Complete Blue PPO Distinct (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Highmark Health. Plan ID: H3916-035-001. * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. $27.00 Monthly Premium.To enroll in a Highmark plan or learn more call. 1-844-614-0343 (TTY users call 711) 8 a.m. - 8 p.m. ET, Monday to Friday. 9 a.m. - 5 p.m. ET, Saturday. Medicare Advantage plans come in a variety of types. To help make your choice a little easier, we’ll help you understand the differences & unique advantages of each.Medicare Advantage plans cover basic dental care, such as exams, cleanings, and fillings. ... Schedule a personal consultation with a Highmark Medicare advisor or ...Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield ...

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Danville and Pittsburgh, Pa. (May 3, 2024) – Geisinger and Highmark Health today announced the conclusion of their joint venture as the goals the organizations …Quick Highmark Medicare Advantage Plans review: Highmark administers Medicare Advantage Plans with quality coverage for preventative care, but reviews are mixed on its treatment coverage. Highmark is a regional health insurance company and independent licensee of the Blue Cross Blue Shield Association, offering policies to …Overall, 10% of Medicare Advantage enrollees in individual plans are required to pay a monthly premium to access any dental benefits, either preventive benefits only or more extensive benefits ...Oct 13, 2023 · Highmark’s 2024 Medicare Advantage offerings include a complete portfolio of plans so any Medicare shopper can find the Highmark plan that’s right for them. Highmark’s offerings include plans with $0 premiums, plans that give you money back every month, plans with market-leading medical benefits, plans for those dually eligible for ...

Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract.We are committed to providing outstanding services to our applicants and members. If you require special assistance, including accommodations for disabilities or limited English proficiency, please call us at 1-800-876-7639 or TTY at …To qualify for Medicare, you must be. — A U.S. resident or a legal resident living in the U.S. for at least 5 consecutive years. — Age 65 or older. — People under 65 who have qualifying disabilities like: — Permanent kidney failure (end-stage renal disease) requiring dialysis or a kidney transplant. — Amyotrophic lateral sclerosis ...Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross …Highmark, Inc. Medicare Advantage Plans are comparable in their scope of coverage to other Medicare Advantage Plans, offering all the benefits of Original Medicare, along with coverage for additional health services.Medicare Advantage Plans, also called Medicare Part C, often include prescription drugs, vision, and dental …Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield ...Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and the combined Blue Plan ...Indices Commodities Currencies Stocks

Dec 19, 2023 · Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and the combined Blue Plan ...

Preventive dental services help you maintain good dental hygiene and can help prevent future problems. Your Highmark Wholecare D-SNP covers preventive dental services, like: 1 oral exam every six months. 1 cleaning every six months. X-rays, including panoramic and full mouth x-rays once every 5 years.You pay per benefit period a: $0 copay each day for days 1-90. $0 copay each day for lifetime reserve days 91-150. Depending on the service provided,you You pay per benefit pay between period a: $0 $250 copay copay and each 20%coinsurance. day for days 1-6. $0 copay each day for days 7-90.View Plans. Available 2024 Plans for ZIP in COUNTY County. (EDIT) warning To enroll in any of the plans, you must be eligible for Medicare and already enrolled in both Part A and Part B. Please wait while we find plans for your location... -. Y0037_23_2036_M. Last updated on March 12, 2024. Highmark and United Concordia Dental reserve the right to request documentation to demonstrate completion of the training and providers must submit that information upon request. If you have any General Compliance and Fraud, Waste and Abuse Training-related questions, please contact the Highmark Health Integrity and Compliance Department at 1 ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association …Highmark Fitness. Every Highmark Medicare Advantage member can take advantage of the great services provided by the SilverSneakers® program, including free access to fitness and wellness programs at over 13,000 locations across the country. These services are also available to Medigap members who are also enrolled in Whole Health …Highmark BSNENY is a Medicare Advantage plan with a Medicare contract and enrollment depends on ... If your plan does not include dental coverage or dental allowances, disregard this form. You must submit your claim to us within 12 months of the date you received the service. DateAetna is a leading provider of Medicare Advantage plans, and they understand the importance of making it easy for their members to pay their premiums. AetnaMedicare.com offers seve...With this program, you can add vision, hearing, dental, and fitness benefits to your Medigap Blue Plan for an additional $34.50 per month! ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract.

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Free for anyone, call anytime for around-the-clock support. Highmark Wholecare Call Center. 1 (800) 392-1147 TTY 711. Highmark Wholecare offers Medicaid dental coverage for Pennsylvania residents. Learn about our coverage and find dentists or oral surgeons that accept Medicaid.Dental, vision, and hearing allowances. Transportation to and from appointments. Over-the-counter allowances for products like aspirin, ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract.Complete Blue PPO Premier (PPO) 4.5 out of 5 stars* for plan year 2024. Complete Blue PPO Premier (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Highmark Health. Plan ID: H3916-044-001. * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. $46.00 …View Plans. Available 2024 Plans for ZIP in COUNTY County. (EDIT) warning To enroll in any of the plans, you must be eligible for Medicare and already enrolled in both Part A and Part B. Please wait while we find plans for your location... -. Y0037_23_2036_M. Last updated on March 12, 2024.The average monthly premium in 2024 for a Medicare Advantage plan in Pennsylvania is $27.94. (It was $30.28 in 2023.) There are 281 Medicare Advantage …NATIONAL MEDICARE ADVANTAGE DENTAL. You will be leaving the Highmark website and entering the United Concordia website to view the provider directory. United Concordia provides the provider network for Blue Edge Dental and is a separate company that administers dental benefits. Call the number on the back of your member ID card for …Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross …To enroll in the following plans, you need to be entitled to Medicare Part A, enrolled in Medicare Part B, and live in one of the above listed counties. To contact us about Complete Blue PPO, call 1-833-544-1060 (TTY users call 711), 8:00 a.m. to 8:00 p.m., seven days a week or visit medicare.highmark.com. H3916_21_3099_MAetna is a leading provider of Medicare Advantage plans, and they understand the importance of making it easy for their members to pay their premiums. AetnaMedicare.com offers seve...Medicare Advantage plans cover basic dental care, such as exams, cleanings, and fillings. ... Schedule a personal consultation with a Highmark Medicare advisor or ...Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and the combined Blue Plan ... ….

vision/dental coverage. You may go to any of our network providers listed in this directory. If you ... Before you pay any bills you receive from any provider either in or out of the Highmark Medicare Advantage Network, call the Customer Service Department for instructions, Monday through Sunday between 8:00 a.m. and 8:00 p.m. at 1-800-550-8722.Jun 14, 2022 · Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield ... NATIONAL MEDICARE ADVANTAGE DENTAL. You will be leaving the Highmark website and entering the United Concordia website to view the provider directory. United Concordia provides the provider network for Blue Edge Dental and is a separate company that administers dental benefits. Call the number on the back of your member ID card for assistance.4.5 out of 5 stars* for plan year 2024. Complete Blue PPO Distinct (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Highmark Health. Plan ID: H3916-035-004. * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. $27.00 Monthly Premium.To qualify for Medicare, you must be. — A U.S. resident or a legal resident living in the U.S. for at least 5 consecutive years. — Age 65 or older. — People under 65 who have qualifying disabilities like: — Permanent kidney failure (end-stage renal disease) requiring dialysis or a kidney transplant. — Amyotrophic lateral sclerosis ...27. Tooth Number(s) or Letter(s) 28. Tooth Surface 29. Procedure Code 29a. Diag. Pointer 29b. Qty. 30. Description 31. Fee 25. Area of Oral Cavity 26. Tooth System 5732 (R8-13) Please submit claim to: Dental Claims P.O. Box 69444 Harrisburg, PA 17106-9444Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract.NATIONAL MEDICARE ADVANTAGE DENTAL. You will be leaving the Highmark website and entering the United Concordia website to view the provider directory. United Concordia provides the provider network for Blue Edge Dental and is a separate company that administers dental benefits. Dental health is important to your overall well-being.Community Blue Medicare PPO is a Medicare Advantage Preferred-Provider Organization plan that gives you coverage for every need— health, prescription drugs, routine dental, vision, hearing, and preventive care. Community Blue Medicare PPO includes a high value network of select providers, PLUS an enhanced service … Highmark medicare advantage dental, Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of ..., Three summer mobile dental tours will crisscross Pennsylvania caring for more than 1,000 children, young adults and senior Pennsylvanians. PITTSBURGH (June 12, 2023) — Highmark Inc. and Highmark Wholecare are major sponsors of United Concordia Dental’s mobile dental tours providing free onsite dental services — including exams, cleanings and fluoride treatments — to underserved ..., Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of ... , 4.5 out of 5 stars* for plan year 2024. Complete Blue PPO Distinct (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Highmark Health. Plan ID: H3916-035-001. * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. $27.00 Monthly Premium., To enroll in a Highmark plan or learn more call. 1-844-614-0343 (TTY users call 711) 8 a.m. - 8 p.m. ET, Monday to Friday. 9 a.m. - 5 p.m. ET, Saturday. Or visit our Reservations site. Do you have questions about medicare eligibility, enrolling, or using your benefits? We've got the answers to the most asked questions, or submit a question., Dec 19, 2023 · Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and the combined Blue Plan ... , NATIONAL MEDICARE ADVANTAGE DENTAL. You will be leaving the Highmark website and entering the United Concordia website to view the provider directory. United Concordia provides the provider network for Blue Edge Dental and is a separate company that administers dental benefits. Dental health is important to your overall well-being., For Release: Cary, NC October 21Â -- A new nationwide survey from HealthPrep Data Services reveals that a strong majority of Americans do not prefer a mandatory Medicare for All p..., With this program, you can add vision, hearing, dental, and fitness benefits to your Medigap Blue Plan for an additional $34.50 per month! ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract., The major differences between Medicare Part A and Medicare Part B are the covered services each part of the program provides. Medicare Part A is hospital insurance; Part B is medic..., Complete Blue PPO Distinct (PPO) is a Medicare Advantage (Part C) Plan by Highmark Blue Cross Blue Shield or Highmark Blue Shield. Premium: $27.00. Enroll Now. This page features plan details for 2024 Complete Blue PPO Distinct (PPO) H3916 – 035 – 1 available in Southwest PA. IMPORTANT: This page has been updated with plan and premium data ..., View Plans. Available 2024 Plans for ZIP in COUNTY County. (EDIT) warning To enroll in any of the plans, you must be eligible for Medicare and already enrolled in both Part A and Part B. Please wait while we find plans for your location... -. Y0037_23_2036_M. Last updated on March 12, 2024., Dental Benefit. Effective . October 1, 2020, Highmark Health Options will ... If you need help finding a dentist, go to the Highmark . Health Options website at healthoptions.prismisp.com and click on “Dentist” or call Member Services at . …, Getting crucial dental coverage when you have Medicare. Nearly 60 million Americans rely on Medicare to fill their essential need for health insurance. 1 However, Original Medicare and even Medigap plans do not cover dental care in spite of its importance to oral and overall health. While 78% of Americans currently have dental coverage, 2 nearly two …, Dental coverage. Medicare Advantage plans cover basic dental care, such as exams, cleanings, and fillings. Some plans also cover more extensive procedures, including X …, With this program, you can add vision, hearing, dental, and fitness benefits to your Medigap Blue Plan for an additional $34.50 per month! ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract., Feb 26, 2021 · All Highmark Medicare Advantage members are automatically enrolled in the Highmark Wellness Rewards Program. You’ll be sent a Highmark Wellness Rewards Prepaid Mastercard® each time you check off a rewardable activity from your Personalized Wellness Plan to-dos. The amount on your card is based on the rewardable activities you’ve completed. , Pros: All Humana Medicare Advantage plans offer preventive and comprehensive dental coverage. Humana offers plans in 94% of U.S. counties, making it an option for most people. Most Humana Medicare ..., Medicare Advantage plans come in a variety of types. To help make your choice a little easier, we’ll help you understand the differences & unique advantages of each., Security Blue HMO-POS is a Mesidicare Advantage Health Maintenance Organization plan that covers all Medicare-covered benefits, including preventive care, doctor visits, hospital stays, and more. Plus you get added benefits like routine dental, vision, and hearing care. You can choose a plan with Part D Prescription Drug coverage, giving you ..., Once enrolled, your dental coverage can be used for a wide variety of important services. 100% coverage on basics such as exams, cleanings, X-rays, ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract., Your oral health isn’t just important for maintaining your great smile; it’s also an essential element of maintaining your overall health. In your lifetime you may have a condition..., Mar 12, 2024 · View Plans. Available 2024 Plans for ZIP in COUNTY County. (EDIT) warning To enroll in any of the plans, you must be eligible for Medicare and already enrolled in both Part A and Part B. Please wait while we find plans for your location... -. Y0037_23_2036_M. Last updated on March 12, 2024. , 27. Tooth Number(s) or Letter(s) 28. Tooth Surface 29. Procedure Code 29a. Diag. Pointer 29b. Qty. 30. Description 31. Fee 25. Area of Oral Cavity 26. Tooth System 5744 (12-21) q qYes (Complete 44 Please submit claim to: Dental Claims P.O. …, United Concordia offers affordable dental insurance plans along with fast & friendly support service. Learn how to access quality dental care in your community., With this program, you can add vision, hearing, dental, and fitness benefits to your Medigap Blue Plan for an additional $34.50 per month! ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract., Dec 13, 2023 · Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield ... , Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of ... , For Release: Cary, NC October 21Â -- A new nationwide survey from HealthPrep Data Services reveals that a strong majority of Americans do not prefer a mandatory Medicare for All p..., Overall, 10% of Medicare Advantage enrollees in individual plans are required to pay a monthly premium to access any dental benefits, either preventive benefits only or more extensive benefits ..., SilverSneakers is a fitness program and benefit in over 65 Medicare Advantage and Supplemental plans, such as AARP’s MedicareComplete through United Healthcare, and the AARP Medica..., What do Highmark Medicare Advantage Plans cover? Most Highmark Medicare Advantage Plans include: Prescription drug coverage; Vision; Dental; Hearing; Wellness benefits, such as free gym memberships; Medical transportation (some plans) Wellness over-the-counter medications (some plans) Humana: Best for Coverage in All …, 4.5 out of 5 stars* for plan year 2024. Community Blue Medicare PPO Distinct (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Highmark Health. Plan ID: H3916-034-003. * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. $27.00 Monthly Premium.