Pacific Source: Medicare Advantage plans: Locations, plans, and costs

PacificSource Medicare was founded in Oregon in 1933 as a not-for-profit company, offers Medicare Advantage plans, and has more than 300,000 members throughout the Northwest.

According to the Kaiser Family Foundation (KFF), Medicare-approved insurance companies, such as PacificSource, provided Advantage plans to more than 24 million US citizens in 2020.

This article looks at the PacificSource Advantage plans and availability. It also looks at the coverage, benefits, and costs.

We may use a few terms in this piece that can be helpful to understand when selecting the best insurance plan:

  • Deductible: This is an annual amount that a person must spend out of pocket within a certain time period before an insurer starts to fund their treatments.
  • Coinsurance: This is a percentage of a treatment cost that a person will need to self-fund. For Medicare Part B, this comes to 20%.
  • Copayment: This is a fixed dollar amount that an insured person pays when receiving certain treatments. For Medicare, this usually applies to prescription drugs.

PacificSource offers several Medicare Advantage plans, including Health Maintenance Organization (HMO), Health Maintenance Organization Point of Service (HMO-POS), and Preferred Provider Organization (PPO).

HMO plans

PacificSource HMO plans include Medicare Essentials 2 without Part D prescription drug coverage and MyCare Rx 40 including Part D.

When a person enrolls in an HMO plan, they agree to use the plan’s network of healthcare providers. They also choose a primary care doctor from within the network, who then coordinates health services and referrals to specialists.

If a person wants to use a healthcare provider from outside the network, they may have more costs, except in a medical emergency.

Medicare Essentials 2 (HMO) plan

This plan is available in certain counties in Oregon. In 2021, the monthly premium and the annual deductible are both zero, while the out-of-pocket maximum expense is $5,500. A person must use in-network providers.

My Care Rx 40 (HMO) plan

This plan is available in certain counties in Oregon.
The monthly premium in 2021 is zero. Out-of-pocket expenses in 2021 have an annual maximum of $4,950, and a person must use in-network providers.

HMO-POS plans

PacificSource HMO-POS plans include Medicare Essentials Choice Rx 14, and MyCare Choice Rx 24, both of which include prescription drugs (Part D) coverage.

With HMO-POS plans, people have the freedom to use healthcare services outside of their plan’s network. However, they must pay a higher copay or coinsurance to do so.

Medicare Essentials Choice Rx 14 plan (HMO-POS) plan

This plan is available in certain counties in Oregon.
In 2021, the monthly premium is $99.00 and the in-network out-of-pocket maximum is $5,500.

2021 MyCare Choice Rx 24 (HMO-POS) plan

This plan is available in certain counties in Idaho.
The monthly premium in 2021 is $35. Out-of-pocket expenses have an annual maximum of $5,500 in 2021 for in-network providers and no maximum for out-of-network services.

PPO plans

PacificSource PPO plans include Explorer 12 without the prescription drug (Part D) cover and Explorer Rx4, including Part D prescription drug coverage.


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Vegas Dentist Opens Dental Implant Institute and More Locations

In 1997, Dr. Sean Mohtashami opened All Bright Dental in Las Vegas, Nevada. It thrived as a general dental practice and later as a cosmetic dental practice. However, Dr. Sean (as his patients call him), wanted to help his patients even more and dove head first into dental implant dentistry. Upon seeing his implant patients’ remarkable emotional and physical changes, Dr. Sean fell in love with the process.

After years of using multiple ‘systems’ to perform dental implant surgery and implant placement, he created his own system he calls the 4M Dental Implant System. The 4M procedure and technique is the result of Dr. Sean’s obsession to improve on everything he does. The 4M Dental Implant solution gives patients who have unhealthy or missing teeth and thinning bone an opportunity for a new smile.

“I developed my system after many years of using several other world-renowned dental implant systems,” says Dr. Sean. “I have always felt there must be a better way, and so I addressed every step of the procedure. My team and I developed a system that is easier, faster, and more comfortable for the patient. We also designed and developed some incredibly durable and natural-looking implants for single tooth and full arch replacements.”

Dr. Sean had many dental implant patients in the Las Vegas valley but wanted to help more. Looking to expand, he began traveling to Southern California and placing implants as an associate for other dentists. he opened his first 4M Dental Implant Center in Newport Beach, California in 2017, bringing the 4M Dental Implant solution to Southern California. Since then he has opened two more offices, in Anaheim Hills and Long Beach, California.

To complete the circle of helping as many people as possible, Dr. Sean opened a teaching institute, the 4M Institute, to teach dentists the advanced art and science of dental implants. “I am incredibly humbled by the excitement other dentists have to learn the 4M procedures and techniques,” says Dr. Sean. “It has been my hope to help as many people as possible with dental implants, but I never dreamed that I would be able to help so many. It is an honor for sure. I truly believe that 4M is the simplest and most comfortable solution to missing teeth, especially for those needing a full arch of teeth.”

Dentistry is ever changing, with stronger and more natural looking materials. Complex procedures are becoming mainstream, and faster and less painful techniques are giving patients better results quicker and more comfortably than ever before. Teaching dentists advanced skills and improving their practices enables Dr. Sean and his team at 4M Dental Implant Center to positively impact the lives of patients around the world.

Come to the Founder of the 4M Institute

where dentists go to learn the art and science of dental implants

“receive two sets of hybrids, not dentures. You will receive both your temporaries (same day),

and your second, permanent set for one price. This is a zirconia bridge or

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