2022 Clear Spring Health Community Flex Plan (HMO-POS)

Clear Spring Health Community Flex Plan (HMO-POS) H3071-003 is a 2022 Medicare Advantage Plan or Part-C by Clear Spring Health available to residents in Illinois. This plan includes additional prescription drug (Part-D) coverage. The Clear Spring Health Community Flex Plan (HMO-POS) has a monthly premium of $19.00 and has an in-network maximum out-of-pocket limit of $2,500 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $2,500 out-of-pocket. This can be a extremely nice safety net.

Clear Spring Health Community Flex Plan (HMO-POS) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your PCP will serve as your personal doctor to provide all of your basic healthcare services. If you require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your PCPs okay, called a referral. Services received from an out-of-network provider are not typically covered.

Clear Spring Health works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Clear Spring Health Community Flex Plan (HMO-POS) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Clear Spring Health and not Original Medicare. With Medicare Advantage you are always covered for urgently needed and emergency care. Plus you receive all the benefits of Original Medicare from Clear Spring Health except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.

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2022 Clear Spring Health Medicare Advantage Plan Costs

Clear Spring Health Community Flex Plan (HMO-POS) Part-C Premium

Clear Spring Health charges a $0.00 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

H3071-003 Part-D Deductible and Premium

Clear Spring Health Community Flex Plan (HMO-POS) has a monthly drug premium of $19.00 and a $0.00 drug deductible. This Clear Spring Health plan offers a $19.00 Part-D Basic Premium that is not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0.00 this Premium covers any enhanced plan benefits offered by Clear Spring Health above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $19.00 . The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.

Clear Spring Health Gap Coverage

In 2022 once you and your plan provider have spent $4430 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This Clear Spring Health plan does not offer additional coverage through the gap.

Premium Assistance

The Low Income Subsidy (LIS) helps people with Medicare pay for prescription drugs, and lowers the costs of Medicare prescription drug coverage. Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The Clear Spring Health Community Flex Plan (HMO-POS) medicare insurance offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $4.70 for 75% low income subsidy $9.50 for 50% and $14.20 for 25%.

H3071-003 Formulary or Drug Coverage

Clear Spring Health Community Flex Plan (HMO-POS) formulary is divided into Tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price. You can see complete 2022 Clear Spring Health Community Flex Plan (HMO-POS) H3071-003 Formulary here.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	$0	$5
Tier 2	$12	$17
Tier 3	$42	$47
Tier 4	$95	$100
Tier 5	33%	33%

*Initial Coverage Phase and 30 day supply

2021 Clear Spring Health Community Flex Plan (HMO-POS) Summary of Benefits

*This will be updated with 2022 data when available.

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Additional Benefits

No

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Comprehensive Dental

Diagnostic services	$0 copay
Endodontics	Not covered
Extractions	Not covered
Non-routine services	Not covered
Periodontics	Not covered
Prosthodontics, other oral/maxillofacial surgery, other services	$0 copay
Restorative services	$0 copay

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Deductible

$0

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Diagnostic Tests and Procedures

Diagnostic radiology services (e.g., MRI)	$0-100 copay
Diagnostic radiology services (e.g., MRI)	20% coinsurance (Out-of-Network)
Diagnostic tests and procedures	$0 copay
Diagnostic tests and procedures	20% coinsurance (Out-of-Network)
Lab services	$0 copay
Lab services	20% coinsurance (Out-of-Network)
Outpatient x-rays	20% coinsurance (Out-of-Network)
Outpatient x-rays	$0-100 copay

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Doctor Visits

Primary	$0 copay
Specialist	20% coinsurance per visit (Out-of-Network)
Specialist	$40 copay per visit

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Emergency care/Urgent Care

Emergency	$90 copay per visit (always covered)
Urgent care	$35 copay per visit (always covered)

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Foot Care (podiatry services)

Foot exams and treatment	20% coinsurance (Out-of-Network)
Foot exams and treatment	$40 copay
Routine foot care	Not covered

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Ground Ambulance

$100 copay
20% coinsurance (Out-of-Network)

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Hearing

Fitting/evaluation	$0 copay
Hearing aids	$0 copay
Hearing exam	$40 copay
Hearing exam	20% coinsurance (Out-of-Network)

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Inpatient Hospital Coverage

$220 per day for days 1 through 7 $0 per day for days 8 through 90
20% per stay (Out-of-Network)

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Medical Equipment/Supplies

Diabetes supplies	20% coinsurance per item (Out-of-Network)
Diabetes supplies	$0 copay
Durable medical equipment (e.g., wheelchairs, oxygen)	20% coinsurance per item (Out-of-Network)
Durable medical equipment (e.g., wheelchairs, oxygen)	20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs)	20% coinsurance per item (Out-of-Network)
Prosthetics (e.g., braces, artificial limbs)	20% coinsurance per item

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Medicare Part B Drugs

Chemotherapy	20% coinsurance (Out-of-Network)
Chemotherapy	20% coinsurance
Other Part B drugs	20% coinsurance
Other Part B drugs	20% coinsurance (Out-of-Network)

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Mental Health Services

Inpatient hospital - psychiatric	20% per stay (Out-of-Network)
Inpatient hospital - psychiatric	$220 per day for days 1 through 7 $0 per day for days 8 through 90
Outpatient group therapy visit	20% coinsurance (Out-of-Network)
Outpatient group therapy visit	$40 copay
Outpatient group therapy visit with a psychiatrist	20% coinsurance (Out-of-Network)
Outpatient group therapy visit with a psychiatrist	$40 copay
Outpatient individual therapy visit	$40 copay
Outpatient individual therapy visit	20% coinsurance (Out-of-Network)
Outpatient individual therapy visit with a psychiatrist	$40 copay
Outpatient individual therapy visit with a psychiatrist	20% coinsurance (Out-of-Network)

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MOOP

$3,950 In and Out-of-network $3,950 In-network

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Option

No

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Optional supplemental benefits

No

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Outpatient Hospital Coverage

20% coinsurance per visit (Out-of-Network)
$225 copay per visit

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Preventive Care

$0 copay
20% coinsurance (Out-of-Network)

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Preventive Dental

Cleaning	$0 copay
Dental x-ray(s)	$0 copay
Fluoride treatment	$0 copay
Oral exam	$0 copay

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Rehabilitation Services

Occupational therapy visit	20% coinsurance (Out-of-Network)
Occupational therapy visit	$20 copay
Physical therapy and speech and language therapy visit	$20 copay
Physical therapy and speech and language therapy visit	20% coinsurance (Out-of-Network)

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Skilled Nursing Facility

20% per stay (Out-of-Network)
$0 per day for days 1 through 20 $150 per day for days 21 through 100

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Transportation

Not covered

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Vision

Contact lenses	$0 copay
Eyeglass frames	$0 copay
Eyeglass lenses	$0 copay
Eyeglasses (frames and lenses)	$0 copay
Other	Not covered
Routine eye exam	$0 copay
Upgrades	$0 copay

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Wellness Programs (e.g. fitness nursing hotline)

Covered

CMS Star Ratings for Clear Spring Health Community Flex Plan (HMO-POS) H3071

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with Health Plan

Member Complaints and Changes in Clear Spring Health Community Flex Plan (HMO-POS) Plans Performance

Health Plan Customer Service Rating for Clear Spring Health Community Flex Plan (HMO-POS)

Clear Spring Health Community Flex Plan (HMO-POS) Drug Plan Customer Service Ratings

Ratings For Member Complaints and Changes in the Drug Plans Performance

Member Experience with the Drug Plan

Drug Safety and Accuracy of Drug Pricing

Ready to Enroll?

Click Here

Or Call
1-855-778-4180
Mon-Fri 8am-8pm EST
Sat 8am-8pm EST

Coverage Area for Clear Spring Health Community Flex Plan (HMO-POS)

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Source: CMS.
Data as of September 1, 2021.
Notes: Data are subject to change as contracts are finalized. For 2022, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2022 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.