2022 Clever Care Balance Medicare Advantage (HMO)

Clever Care Balance Medicare Advantage (HMO) H7607-003 is a 2022 Medicare Advantage Plan or Part-C by Clever Care Health Plan available to residents in California. This plan includes additional prescription drug (Part-D) coverage. The Clever Care Balance Medicare Advantage (HMO) has a monthly premium of $33.20 and has an in-network maximum out-of-pocket limit of $5,999 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $5,999 out-of-pocket. This can be a extremely nice safety net.

Clever Care Balance Medicare Advantage (HMO) 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.

Clever Care Health Plan works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Clever Care Balance Medicare Advantage (HMO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Clever Care Health Plan 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 Clever Care Health Plan except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.

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2022 Clever Care Health Plan Medicare Advantage Plan Costs

Clever Care Balance Medicare Advantage (HMO) Part-C Premium

Clever Care Health Plan 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.

H7607-003 Part-D Deductible and Premium

Clever Care Balance Medicare Advantage (HMO) has a monthly drug premium of $33.20 and a $480.00 drug deductible. This Clever Care Health Plan plan offers a $33.20 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 Clever Care Health Plan 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 $33.20 . 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.

Clever Care Health Plan 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 Clever Care Health Plan plan does 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 Clever Care Balance Medicare Advantage (HMO) medicare insurance offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $8.30 for 75% low income subsidy $16.60 for 50% and $24.90 for 25%.

H7607-003 Formulary or Drug Coverage

Clever Care Balance Medicare Advantage (HMO) 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 Clever Care Balance Medicare Advantage (HMO) H7607-003 Formulary here.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$0
Tier 2	NA	25%
Tier 3	NA	25%
Tier 4	NA	25%
Tier 5	NA	25%
Tier 6	NA	$0

*Initial Coverage Phase and 30 day supply

2021 Clever Care Balance Medicare Advantage (HMO) Summary of Benefits

*This will be updated with 2022 data when available.

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Additional Benefits

Yes

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Comprehensive Dental

Diagnostic services	$0 copay
Endodontics	$0 copay
Extractions	$0 copay
Non-routine services	Not covered
Periodontics	$0 copay
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)	20% coinsurance
Diagnostic tests and procedures	20% coinsurance
Lab services	20% coinsurance
Outpatient x-rays	20% coinsurance

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Doctor Visits

Primary	$0 copay
Specialist	$0 copay

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Emergency care/Urgent Care

Emergency	$90 copay per visit (always covered)
Urgent care	$20 copay per visit (always covered)

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Foot Care (podiatry services)

Foot exams and treatment	20% coinsurance
Routine foot care	Not covered

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Ground Ambulance

20% coinsurance

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Hearing

Fitting/evaluation	$0 copay
Hearing aids	$0 copay
Hearing exam	$0 copay

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Inpatient Hospital Coverage

Coming soon

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Medical Equipment/Supplies

Diabetes supplies	20% coinsurance per item
Durable medical equipment (e.g., wheelchairs, oxygen)	20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs)	20% coinsurance per item

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Medicare Part B Drugs

Chemotherapy	20% coinsurance
Other Part B drugs	20% coinsurance

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Mental Health Services

Inpatient hospital - psychiatric	Coming soon
Outpatient group therapy visit	20% coinsurance
Outpatient group therapy visit with a psychiatrist	20% coinsurance
Outpatient individual therapy visit	20% coinsurance
Outpatient individual therapy visit with a psychiatrist	20% coinsurance

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MOOP

$7,550 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

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Preventive Care

$0 copay

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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
Physical therapy and speech and language therapy visit	20% coinsurance

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Skilled Nursing Facility

Coming soon

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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

Ready to Enroll?

Click Here

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

Coverage Area for Clever Care Balance Medicare Advantage (HMO)

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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.