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Dean Health Plan, Inc. Medicare Insurance Review & Complaints: Health Insurance

Dean Health Plan offers health insurance for individuals and groups in connection with Dean Health Systems. The health system and plans provide health care to residents of south-central Wisconsin.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 15, 2020

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Dean Health Plan offers health insurance for individuals and groups in connection with Dean Health Systems. The health system and plans provide health care to residents of south-central Wisconsin.

About Dean Health Plan

Dean Health System was born from the private practice of Dr. Joseph Dean, who opened a clinic in Madison, Wisconsin in 1904. He formed Dean Corporation with his brother, Dr. James Dean, in 1929 and opened the first Dean Clinic. The brothers operated a free clinic at a local hospital to provide care throughout the Depression. A family business, several other Dean doctors worked in the clinics until 1979, when the last of the Deans retired.

The Dean Clinic had, in the meantime, grown to serve a large area, offer multiple specialties and services. The 1982 merger with East Madison Clinic resulted in the creation of the second division of the Dean Clinic.

The first HMO health plan, DeanCare, was made available in 1983. Expansion continued, and in 1995 Dean Health Systems, Inc. was created, moving the group of hospitals and medical centers from a family practice to a for-profit corporation.

Dean Health System was purchased by SSM, a major Catholic health system, in 2013. They continue to offer a full range of medical services across to more than 400,000 members in Wisconsin. Dean health plans include major medical and Medicare options, all of which are HMO plans.

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Dean Health Plan Medicare

Dean offers several Medicare Advantage plan options as well as their DeanCare Select Medicare Supplement plans. They vary by location, so for the purpose of this review we entered the same zip code as Dean’s Madison, WI headquarters.

Medicare Advantage

Our search returned five different HMO Medicare Advantage options, all of which include prescription drug coverage.

Dean Advantage Essential is the company’s $0 premium plan, meaning there is no additional premium above and beyond the base Medicare premium. This plan has copays of $20 for a primary care visit and $50 for specialists. Inpatient hospital stays have a copay of $400 per day for the first four days. The plan includes basic dental coverage, but nothing beyond standard Medicare for hearing and vision. There is a $415 pharmacy deductible that applies to Tiers 2 and up, and Tier 1 drugs start at a $9 copay.

Dean Advantage Assurance has copays of $15 for primary care and $40 for specialists. The hospital copay is $325 a day for the first four days. This plan includes basic dental and vision and adds an eyewear allowance as well. Prescriptions start at $6 for Tier 1, and there is a $350 deductible applied only to Tiers 3 and up.

Dean Advantage Balance has copays of $10 for primary care and $40 for specialists. The inpatient hospital copay is $250 a day for the first four days. This plan includes more comprehensive vision, dental, and hearing coverage, and has prescription co pays starting at $3. The $200 pharmacy deductible applies to Tiers 3 and up.

Dean Advantage Confidence has no copay for primary care visits and a $20 copay for specialist visits in-network. As an HMO-POS plan, there is some out of network coverage available. Inpatient hospital stays have a daily copay of $150 for the first four days. Dental, hearing, and vision coverage are all included, and there is no prescription deductible. Tier 1 drugs start at a $3 copay.

The most expensive of the plans is Dean Advantage Complete. This HMO plan has no copays at all for any office visit, nor is there is a copay for hospital stays. Comprehensive dental, hearing, and vision coverage are included, and prescription coverage is the same as the Confidence plan.

Medicare Supplement

Only one DeanCare Select Medicare Supplement plan option was returned for our search.

This plan, based on Wisconsin’s standard Medicare Supplement plan requirements (which differ from most states) covers Medicare Part A and B coinsurance and deductibles and pays for the first three pints of blood each year. It also provides some coverage for emergency medical foreign travel expenses.

Rates

Dean offers rates right along with the plan information in their search.

As mentioned above, there is one $0 premium plan available, the Essential. From there the premiums increase, starting at $40 a month for the Assurance plan and going up to $226 a month for the Complete plan. There are a good range of price points here, allowing each individual to choose a balance between out of pocket costs and monthly premiums.

The Select plan came in at $144 per month for our sample applicant at 65 years old.

These rates are not comparable on a national level, since the company only writes coverage in a specific part of Wisconsin. We did find them to be pretty reasonable overall, however, given the coverage offered for the price. It is worth noting that HMO plans are usually more affordable due to the more limited network of care.

Claims

Like most health insurance companies, Dean does not have a dedicated claims section for their Medicare plans. This is because claims are handled directly with providers, and particularly in the case of an HMO billing doesn’t usually involve the insured.

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Ratings and Consumer Reviews

Dean Health Plan’s Better Business Bureau (BBB) rating has taken a dive since our last review from a B+ to a D-. The BBB docks the company for five complaints filed against the business, 1 of which was not responded to and 2 more that were not resolved. Five complaints in the past three years is really a low volume of complaints even for a smaller health insurance company, but the BBB docks heavily for not responding to or resolving complaints.

Things look better at the National Committee for Quality Assurance, which gives Dean’s HMO and HMO-POS Medicare plans both an overall 4.5 stars out of 5.

For the 2019 plan year, Medicare gives Dean the same ranking – 4.5 out of 5 stars. Both of these ratings go a long way towards balancing the BBB’s low grade for the company and tend to carry more weight.

Dean has an overall 2.2-star rating based on 20 Google reviews. There are a handful of positive reviews, but the mainly negative comments cite difficulty with getting treatment covered by the plan. We did not see any comments directly related to Medicare coverage.

Overall ,we see no red flags and some high ratings from trusted sources in Medicare Advantage coverage.

The Bottom Line

Dean Health Plans has a range of Medicare Advantage plans to suit every budget, and it is likely a good choice for anyone who does not mind the network limitations of an HMO plan. In spite of being docked by the BBB, they have sold ratings elsewhere, which leaves us with a positive impression of the company’s reputation.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

1 Comment

  1. Hi Eric!

    Right now I’m working at a company that provides insurance.

    I’m wanting to get insurance on my own so I’m not tied to my company.

    I was wondering if you could direct me.

    Thank you!
    Shani

    Reply

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