2013 Medicare Advantage Plan Details | |||||
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Medicare Plan Name: | BCN Advantage HMO-POS Classic (HMO-POS) | ||||
Location: | Lapeer, Michigan Click to see other locations | ||||
Plan ID: | H5883 - 002 - 4 Click to see other plans | ||||
Member Services: | 1-800-450-3680 TTY users 711 | ||||
— This plan information is for research purposes only. — Click here to see plans for the current plan year | |||||
Medicare Contact Information: | Please go to Medicare.gov or call 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. TTY users 1-877-486-2048 or contact your local SHIP for assistance |
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Email a copy of the BCN Advantage HMO-POS Classic (HMO-POS) benefit details | |||||
— Medicare Plan Features — | |||||
Monthly Premium: | $78.00 (see Plan Premium Details below) | ||||
Annual Rx Deductible: | $0 | ||||
Annual Rx Initial Coverage Limit (ICL): | $2,970 | ||||
Health Plan Type: | Local HMO | ||||
Maximum Out-of-Pocket Limit for Parts A & B (MOOP): | $3,400 | ||||
Additional Rx Gap Coverage? | Many Generics | ||||
Total Number of Formulary Drugs: | 3,686 drugs | Browse the BCN Advantage HMO-POS Classic (HMO-POS) Formulary | |||
This plan has 5 drug tiers. See cost-sharing highlights below. | |||||
Formulary Drug Details: | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 |
• Preferred Pharmacy Cost-Sharing during initial coverage phase: | $3.00 | $10.00 | $40.00 | $80.00 | 30% |
• Number of Drugs per Tier: | 784 | 1307 | 489 | 793 | 344 |
Plan's Pharmacy Search: | http://www.mibcn.com/medicarepharmacies | ||||
Plan Offers Mail Order? | Yes | ||||
Number of Members enrolled in this plan in (H5883 - 002): | 18,654 members | ||||
Plan’s Summary Star Rating: | 4.5 out of 5 Stars. | ||||
• Customer Service Rating: | 3 out of 5 Stars. | ||||
• Member Experience Rating: | 4 out of 5 Stars. | ||||
• Drug Cost Accuracy Rating: | 4 out of 5 Stars. | ||||
— Plan Premium Details — | |||||
Monthly Premium with Extra Help Low-Income Subsidy (LIS): ❔ | 100% Subsidy | 75% Subsidy | 50% Subsidy | 25% Subsidy | |
Monthly Part D Premium with LIS: | $0.00 | $0.00 | $0.00 | $0.00 | |
— Plan Health Benefits — | |||||
** Cost ** | |||||
Premium and Other Important Information | |||||
$78 monthly plan premium in addition to your monthly Medicare Part B premium. | |||||
Most people will pay the standard monthly Part B premium in addition to their MA plan premium. However some people will pay higher Part B and Part D premiums because of their yearly income (over $85 000 for singles $170 000 for married couples). For more information about Part B and Part D premiums based on income call Medicare at 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. You may also call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778. | |||||
$125 annual deductible. Contact the plan for services that apply. | |||||
$3 400 out-of-pocket limit for Medicare-covered services. | |||||
** Doctor and Hospital Choice ** | |||||
Doctor and Hospital Choice | |||||
Referral required for network specialists (for certain benefits). | |||||
** Extra Benefits ** | |||||
Over-the-Counter Items | |||||
Please visit our plan website to see our list of covered Over-the-Counter items. OTC items may be purchased only for the enrollee. Please contact the plan for specific instructions for using this benefit. | |||||
Point of Service | |||||
Authorization rules may apply. | |||||
Point of Service coverage is available for the following benefits: | |||||
Medicare-covered
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Supplemental
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For hospital stays: | |||||
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For Inpatient Psychiatric Hospital stays: | |||||
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For each SNF stay: | |||||
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$0 copay for Medicare-covered
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$15 copay for Medicare-covered
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$35 copay for Medicare-covered
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$20 copay for Medicare-covered
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$50 copay for Medicare-covered
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$60 copay for Medicare-covered
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$0 to $40 copay for Medicare-covered
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$20 to $40 copay for Medicare-covered
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$0 to $100 copay for Medicare-covered
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20% of the cost for Medicare-covered
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Transportation | |||||
Authorization rules may apply. | |||||
$0 copay for up to 12 round trip(s) to plan-approved location. | |||||
** Important Information ** | |||||
Premium and Other Important Information | |||||
$78 monthly plan premium in addition to your monthly Medicare Part B premium. | |||||
Most people will pay the standard monthly Part B premium in addition to their MA plan premium. However some people will pay higher Part B and Part D premiums because of their yearly income (over $85 000 for singles $170 000 for married couples). For more information about Part B and Part D premiums based on income call Medicare at 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. You may also call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778. | |||||
$125 annual deductible. Contact the plan for services that apply. | |||||
$3 400 out-of-pocket limit for Medicare-covered services. | |||||
Doctor and Hospital Choice | |||||
Referral required for network specialists (for certain benefits). | |||||
** Inpatient Care ** | |||||
Inpatient Hospital Care | |||||
No limit to the number of days covered by the plan each hospital stay. | |||||
For Medicare-covered hospital stays: | |||||
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$0 copay for additional hospital days | |||||
Except in an emergency your doctor must tell the plan that you are going to be admitted to the hospital. | |||||
Inpatient Mental Health Care | |||||
You get up to 190 days of inpatient psychiatric hospital care in a lifetime. Inpatient psychiatric hospital services count toward the 190-day lifetime limitation only if certain conditions are met. This limitation does not apply to inpatient psychiatric services furnished in a general hospital. | |||||
For Medicare-covered hospital stays: | |||||
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Except in an emergency your doctor must tell the plan that you are going to be admitted to the hospital. | |||||
Skilled Nursing Facility (SNF) | |||||
Authorization rules may apply. | |||||
Plan covers up to 100 days each benefit period | |||||
No prior hospital stay is required. | |||||
For SNF stays: | |||||
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Home Health Care | |||||
Authorization rules may apply. | |||||
$0 copay for Medicare-covered home health visits | |||||
Hospice | |||||
You must get care from a Medicare-certified hospice. Your plan will pay for a consultative visit before you select hospice. | |||||
** Outpatient Care ** | |||||
Doctor Office Visits | |||||
Authorization rules may apply. | |||||
$15 copay for each Medicare-covered primary care doctor visit. | |||||
$35 copay for each Medicare-covered specialist visit. | |||||
Chiropractic Services | |||||
Authorization rules may apply. | |||||
$20 copay for each Medicare-covered chiropractic visit | |||||
Medicare-covered chiropractic visits are for manual manipulation of the spine to correct subluxation (a displacement or misalignment of a joint or body part) if you get it from a chiropractor. | |||||
Podiatry Services | |||||
Authorization rules may apply. | |||||
$35 copay for each Medicare-covered podiatry visit | |||||
Medicare-covered podiatry visits are for medically-necessary foot care. | |||||
Outpatient Mental Health Care | |||||
Authorization rules may apply. | |||||
$35 copay for each Medicare-covered individual therapy visit | |||||
$35 copay for each Medicare-covered group therapy visit | |||||
$35 copay for each Medicare-covered individual therapy visit with a psychiatrist | |||||
$35 copay for each Medicare-covered group therapy visit with a psychiatrist | |||||
$35 copay for Medicare-covered partial hospitalization program services | |||||
Outpatient Substance Abuse Care | |||||
Authorization rules may apply. | |||||
$35 copay for Medicare-covered individual substance abuse outpatient treatment visits | |||||
$35 copay for Medicare-covered group substance abuse outpatient treatment visits | |||||
Outpatient Services | |||||
Authorization rules may apply. | |||||
$60 copay for each Medicare-covered ambulatory surgical center visit | |||||
$0 to $100 copay for each Medicare-covered outpatient hospital facility visit | |||||
Ambulance Services | |||||
Authorization rules may apply. | |||||
$50 copay for Medicare-covered ambulance benefits. | |||||
Emergency Care | |||||
$65 copay for Medicare-covered emergency room visits | |||||
$50 000 plan coverage limit for supplemental emergency services outside the U.S. and its territories | |||||
If you are admitted to the hospital within 1-day for the same condition you pay $0 for the emergency room visit. | |||||
Urgently Needed Care | |||||
$35 copay for Medicare-covered urgently-needed-care visits | |||||
Outpatient Rehabilitation Services | |||||
Authorization rules may apply. | |||||
There may be limits on physical therapy occupational therapy and speech and language pathology visits. If so there may be exceptions to these limits. | |||||
$35 copay for Medicare-covered Occupational Therapy visits | |||||
$35 copay for Medicare-covered Physical Therapy and/or Speech and Language Pathology visits | |||||
** Outpatient Medical Services and Supplies ** | |||||
Durable Medical Equipment | |||||
Authorization rules may apply. | |||||
20% of the cost for Medicare-covered durable medical equipment | |||||
You may pay less if you purchase these items from the plan’s preferred manufacturers/vendors. Contact the plan for a list of non-preferred and preferred manufacturers/vendors. | |||||
Prosthetic Devices | |||||
Authorization rules may apply. | |||||
20% of the cost for Medicare-covered prosthetic devices | |||||
Diabetes Programs and Supplies | |||||
Authorization rules may apply. | |||||
$0 copay for Medicare-covered Diabetes self-management training | |||||
$0 copay for Medicare-covered: | |||||
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Diagnostic Tests, X-Rays, Lab Services, and Radiology Services | |||||
Authorization rules may apply. | |||||
$0 copay for Medicare-covered: | |||||
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$0 to $40 copay for Medicare-covered diagnostic procedures and tests | |||||
$20 to $40 copay for Medicare-covered X-rays | |||||
$20 to $40 copay for Medicare-covered diagnostic radiology services (not including X-rays) | |||||
If the doctor provides you services in addition to Outpatient Diagnostic Procedures Tests and Lab Services separate cost sharing of $15 to $35 may apply | |||||
If the doctor provides you services in addition to Outpatient Diagnostic and Therapeutic Radiology Services separate cost sharing of $15 to $35 may apply | |||||
** Preventive Services ** | |||||
Cardiac and Pulmonary Rehabilitation Services | |||||
Authorization rules may apply. | |||||
$35 copay for Medicare-covered Cardiac Rehabilitation Services | |||||
$35 copay for Medicare-covered Intensive Cardiac Rehabilitation Services | |||||
$35 copay for Medicare-covered Pulmonary Rehabilitation Services | |||||
Preventive Services and Wellness/Education Programs | |||||
$0 copay for all preventive services covered under Original Medicare at zero cost sharing. Any additional preventive services approved by Medicare mid-year will be covered by the plan or by Original Medicare. | |||||
$0 copay for an annual physical exam | |||||
The plan covers the following supplemental education/wellness programs: | |||||
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$0 copay for Additional Preventive Services. Contact plan for details. | |||||
Kidney Disease and Conditions | |||||
Authorization rules may apply. | |||||
$0 copay for Medicare-covered renal dialysis | |||||
$0 copay for Medicare-covered kidney disease education services | |||||
Outpatient Prescription Drugs | |||||
$0 copay for Medicare Part B drugs. | |||||
$0 copay for home infusion drugs that would normally be covered under Part D. This cost-sharing amount will also cover the supplies and services associated with home infusion of these drugs. | |||||
This plan uses a formulary. The plan will send you the formulary. You can also see the formulary at http://www.mibcn.com/medicareformulary on the web. | |||||
Different out-of-pocket costs may apply for people who
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The plan offers national in-network prescription coverage (i.e. this would include 50 states and the District of Columbia). This means that you will pay the same cost-sharing amount for your prescription drugs if you get them at an in-network pharmacy outside of the plan’s service area (for instance when you travel). | |||||
Total yearly drug costs are the total drug costs paid by both you and a Part D plan. | |||||
The plan may require you to first try one drug to treat your condition before it will cover another drug for that condition. | |||||
Some drugs have quantity limits. | |||||
Your provider must get prior authorization from BCN Advantage HMO-POS Classic (HMO-POS) for certain drugs. | |||||
You must go to certain pharmacies for a very limited number of drugs due to special handling provider coordination or patient education requirements that cannot be met by most pharmacies in your network. These drugs are listed on the plan’s website formulary printed materials as well as on the Medicare Prescription Drug Plan Finder on Medicare.gov. | |||||
If the actual cost of a drug is less than the normal cost-sharing amount for that drug you will pay the actual cost not the higher cost-sharing amount. | |||||
If you request a formulary exception for a drug and BCN Advantage HMO-POS Classic (HMO-POS) approves the exception you will pay Tier 4: Non-Preferred Brand cost sharing for that drug. | |||||
$0 deductible. | |||||
You pay the following until total yearly drug costs reach $2 970: | |||||
Tier 1: Preferred Generic | |||||
Tier 2: Non-Preferred Generic | |||||
Tier 3: Preferred Brand | |||||
Tier 4: Non-Preferred Brand | |||||
Tier 5: Specialty Tier | |||||
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Tier 1: Preferred Generic | |||||
Tier 2: Non-Preferred Generic | |||||
Tier 3: Preferred Brand | |||||
Tier 4: Non-Preferred Brand | |||||
Tier 5: Specialty Tier | |||||
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Please note that brand drugs must be dispensed incrementally in long-term care facilities. Generic drugs may be dispensed incrementally. Contact your plan about cost-sharing billing/collection when less than a one-month supply is dispensed. | |||||
Tier 1: Preferred Generic | |||||
Tier 2: Non-Preferred Generic | |||||
Tier 3: Preferred Brand | |||||
Tier 4: Non-Preferred Brand | |||||
Tier 5: Specialty Tier | |||||
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After your total yearly drug costs reach $2 970 you receive limited coverage by the plan on certain drugs. You will also receive a discount on brand name drugs and generally pay no more than 47.5% for the plan’s costs for brand drugs and 79% of the plan’s costs for generic drugs until your yearly out-of-pocket drug costs reach $4 750. | |||||
The plan covers many formulary generics (65%-99% of formulary generic drugs) through the coverage gap. | |||||
The plan offers additional coverage in the gap for the following tiers. You pay the following: | |||||
Tier 1: Preferred Generic | |||||
Tier 2: Non-Preferred Generic | |||||
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Tier 1: Preferred Generic | |||||
Tier 2: Non-Preferred Generic | |||||
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Tier 1: Preferred Generic | |||||
Tier 2: Non-Preferred Generic | |||||
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After your yearly out-of-pocket drug costs reach $4 750 you pay the greater of: | |||||
Plan drugs may be covered in special circumstances for instance illness while traveling outside of the plan’s service area where there is no network pharmacy. You may have to pay more than your normal cost-sharing amount if you get your drugs at an out-of-network pharmacy. In addition you will likely have to pay the pharmacy’s full charge for the drug and submit documentation to receive reimbursement from BCN Advantage HMO-POS Classic (HMO-POS). | |||||
You will be reimbursed up to the plan’s cost of the drug minus the following for drugs purchased out-of-network until total yearly drug costs reach $2 970: | |||||
Tier 1: Preferred Generic | |||||
Tier 2: Non-Preferred Generic | |||||
Tier 3: Preferred Brand | |||||
Tier 4: Non-Preferred Brand | |||||
Tier 5: Specialty Tier | |||||
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You will not be reimbursed for the difference between the Out-of-Network Pharmacy charge and the plan’s In-Network allowable amount. | |||||
You will be reimbursed up to 21% of the plan allowable cost for generic drugs purchased out-of-network until total yearly out-of-pocket drug costs reach $4 750. Please note that the plan allowable cost may be less than the out-of-network pharmacy price paid for your drug(s). You will be reimbursed up to 52.5% of the plan allowable cost for brand name drugs purchased out-of-network until your total yearly out-of-pocket drug costs reach $4 750. Please note that the plan allowable cost may be less than the out-of-network pharmacy price paid for your drug(s). | |||||
The plan covers many formulary generics (65%-99% of formulary generic drugs) through the coverage gap. | |||||
You will be reimbursed for these drugs purchased out-of-network up to the plan’s cost of the drug minus the following: | |||||
Tier 1: Preferred Generic | |||||
Tier 2: Non-Preferred Generic | |||||
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You will not be reimbursed for the difference between the Out-of-Network Pharmacy charge and the plan’s In-Network allowable amount. | |||||
After your yearly out-of-pocket drug costs reach $4 750 you will be reimbursed for drugs purchased out-of-network up to the plan’s cost of the drug minus your cost share which is the greater of:
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You will not be reimbursed for the difference between the Out-of-Network Pharmacy charge and the plan’s In-Network allowable amount. | |||||
Dental Services | |||||
$0 copay for Medicare-covered dental benefits | |||||
$0 copay for the following preventive dental benefits: | |||||
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Hearing Services | |||||
$0 copay for: | |||||
$0 copay for up to 2 hearing aid(s) every three years | |||||
$15 to $35 copay for Medicare-covered diagnostic hearing exams | |||||
$25 copay for up to 1 supplemental routine hearing exam(s) every year | |||||
$1 000 plan coverage limit for hearing aids every three years. | |||||
** Additional Benefits ** | |||||
Vision Services | |||||
Authorization rules may apply. | |||||
$0 copay for Medicare-covered diagnosis and treatment for diseases and conditions of the eye | |||||
$0 copay for
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$100 plan coverage limit for contact lenses every two years. | |||||
$100 plan coverage limit for eye glass frames every two years. | |||||
Over-the-Counter Items | |||||
Please visit our plan website to see our list of covered Over-the-Counter items. OTC items may be purchased only for the enrollee. Please contact the plan for specific instructions for using this benefit. | |||||
Transportation | |||||
Authorization rules may apply. | |||||
$0 copay for up to 12 round trip(s) to plan-approved location. | |||||
Acupuncture | |||||
This plan does not cover Acupuncture. | |||||
Point of Service | |||||
Authorization rules may apply. | |||||
Point of Service coverage is available for the following benefits: | |||||
Medicare-covered
| |||||
Supplemental
| |||||
For hospital stays: | |||||
| |||||
For Inpatient Psychiatric Hospital stays: | |||||
| |||||
For each SNF stay: | |||||
| |||||
$0 copay for Medicare-covered
| |||||
$15 copay for Medicare-covered
| |||||
$35 copay for Medicare-covered
| |||||
$20 copay for Medicare-covered
| |||||
$50 copay for Medicare-covered
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$60 copay for Medicare-covered
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$0 to $40 copay for Medicare-covered
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$20 to $40 copay for Medicare-covered
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$0 to $100 copay for Medicare-covered
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20% of the cost for Medicare-covered
| |||||
** Inpatient Care ** | |||||
Inpatient Hospital Care | |||||
No limit to the number of days covered by the plan each hospital stay. | |||||
For Medicare-covered hospital stays: | |||||
| |||||
$0 copay for additional hospital days | |||||
Except in an emergency your doctor must tell the plan that you are going to be admitted to the hospital. | |||||
** Outpatient Care ** | |||||
Doctor Office Visits | |||||
Authorization rules may apply. | |||||
$15 copay for each Medicare-covered primary care doctor visit. | |||||
$35 copay for each Medicare-covered specialist visit. | |||||
Outpatient Services | |||||
Authorization rules may apply. | |||||
$60 copay for each Medicare-covered ambulatory surgical center visit | |||||
$0 to $100 copay for each Medicare-covered outpatient hospital facility visit | |||||
Ambulance Services | |||||
Authorization rules may apply. | |||||
$50 copay for Medicare-covered ambulance benefits. | |||||
** Outpatient Medical Services and Supplies ** | |||||
Durable Medical Equipment | |||||
Authorization rules may apply. | |||||
20% of the cost for Medicare-covered durable medical equipment | |||||
You may pay less if you purchase these items from the plan’s preferred manufacturers/vendors. Contact the plan for a list of non-preferred and preferred manufacturers/vendors. | |||||
Diagnostic Tests, X-Rays, Lab Services, and Radiology Services | |||||
Authorization rules may apply. | |||||
$0 copay for Medicare-covered: | |||||
| |||||
$0 to $40 copay for Medicare-covered diagnostic procedures and tests | |||||
$20 to $40 copay for Medicare-covered X-rays | |||||
$20 to $40 copay for Medicare-covered diagnostic radiology services (not including X-rays) | |||||
If the doctor provides you services in addition to Outpatient Diagnostic Procedures Tests and Lab Services separate cost sharing of $15 to $35 may apply | |||||
If the doctor provides you services in addition to Outpatient Diagnostic and Therapeutic Radiology Services separate cost sharing of $15 to $35 may apply | |||||
** Additional Benefits ** | |||||
Over-the-Counter Items | |||||
Please visit our plan website to see our list of covered Over-the-Counter items. OTC items may be purchased only for the enrollee. Please contact the plan for specific instructions for using this benefit. | |||||
Transportation | |||||
Authorization rules may apply. | |||||
$0 copay for up to 12 round trip(s) to plan-approved location. | |||||
** Cost ** | |||||
Premium and Other Important Information | |||||
Package: 1 - Supplemental Dental and Vision: | |||||
$15 monthly premium in addition to your $78 monthly plan premium and the monthly Medicare Part B premium for the following optional benefits:
| |||||
$1 100 plan coverage limit for these benefits. | |||||
** Important Information ** | |||||
Package: 1 - Supplemental Dental and Vision: | |||||
$15 monthly premium in addition to your $78 monthly plan premium and the monthly Medicare Part B premium for the following optional benefits:
| |||||
$1 100 plan coverage limit for these benefits. | |||||
** Preventive Services ** | |||||
Dental Services | |||||
Plan offers additional comprehensive dental benefits. | |||||
$1 000 plan coverage limit for comprehensive dental benefits every year | |||||
** Additional Benefits ** | |||||
Vision Services | |||||
Plan offers additional vision benefits. Contact plan for details. |