2022 HealthPartners UnityPoint Health Align (PPO)

HealthPartners UnityPoint Health Align (PPO) H3416-001 is a 2022 Medicare Advantage Plan or Part-C by HealthPartners UnityPoint Health available to residents in Iowa and Illinois. This plan includes additional prescription drug (Part-D) coverage. The HealthPartners UnityPoint Health Align (PPO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $3,900 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $3,900 out-of-pocket. This can be a extremely nice safety net.

HealthPartners UnityPoint Health Align (PPO) is a Local PPO. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.

HealthPartners UnityPoint Health works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for HealthPartners UnityPoint Health Align (PPO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from HealthPartners UnityPoint 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 HealthPartners UnityPoint 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 HealthPartners UnityPoint Health Medicare Advantage Plan Costs

HealthPartners UnityPoint Health Align (PPO) Part-C Premium

HealthPartners UnityPoint 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.

H3416-001 Part-D Deductible and Premium

HealthPartners UnityPoint Health Align (PPO) has a monthly drug premium of $0.00 and a $0.00 drug deductible. This HealthPartners UnityPoint Health plan offers a $0.00 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 HealthPartners UnityPoint 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 $0.00 . 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.

HealthPartners UnityPoint 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 HealthPartners UnityPoint Health plan does not offer additional coverage through the gap.

H3416-001 Formulary or Drug Coverage

HealthPartners UnityPoint Health Align (PPO) 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 HealthPartners UnityPoint Health Align (PPO) H3416-001 Formulary here.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$0
Tier 2	NA	$0
Tier 3	NA	$47
Tier 4	NA	$100
Tier 5	NA	33%

*Initial Coverage Phase and 30 day supply

2021 HealthPartners UnityPoint Health Align (PPO) 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
Diagnostic services	0-50% coinsurance (Out-of-Network)
Endodontics	0-50% coinsurance (Out-of-Network)
Endodontics	$0 copay
Extractions	0-50% coinsurance (Out-of-Network)
Extractions	$0 copay
Non-routine services	$0 copay
Non-routine services	0-50% coinsurance (Out-of-Network)
Periodontics	0-50% coinsurance (Out-of-Network)
Periodontics	$0 copay
Prosthodontics, other oral/maxillofacial surgery, other services	0-50% coinsurance (Out-of-Network)
Prosthodontics, other oral/maxillofacial surgery, other services	0-50% coinsurance
Restorative services	0-50% coinsurance
Restorative services	0-50% coinsurance (Out-of-Network)

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Deductible

$0

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Diagnostic Tests and Procedures

Diagnostic radiology services (e.g., MRI)	$500 copay (Out-of-Network)
Diagnostic radiology services (e.g., MRI)	$300 copay
Diagnostic tests and procedures	$40 copay (Out-of-Network)
Diagnostic tests and procedures	$20 copay
Lab services	$10 copay (Out-of-Network)
Lab services	$0 copay
Outpatient x-rays	$20 copay
Outpatient x-rays	$40 copay (Out-of-Network)

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Doctor Visits

Primary	$0 copay
Primary	$60 copay per visit (Out-of-Network)
Specialist	$35 copay per visit
Specialist	$60 copay per visit (Out-of-Network)

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Emergency care/Urgent Care

Emergency	$90 copay per visit (always covered)
Urgent care	$55 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	$35 copay
Routine foot care	Not covered

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Ground Ambulance

$225 copay
$225 copay (Out-of-Network)

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Hearing

Fitting/evaluation	20% coinsurance (Out-of-Network)
Fitting/evaluation	$0 copay
Hearing aids	$699-999 copay
Hearing aids	$0-999 copay (Out-of-Network)
Hearing exam	20% coinsurance (Out-of-Network)
Hearing exam	$35 copay

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Inpatient Hospital Coverage

$345 per day for days 1 through 5 $0 per day for days 6 through 90
$525 per day for days 1 through 5 $0 per day for days 6 and beyond (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
Chemotherapy	20% coinsurance (Out-of-Network)
Other Part B drugs	20% coinsurance (Out-of-Network)
Other Part B drugs	20% coinsurance

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Mental Health Services

Inpatient hospital - psychiatric	$525 per day for days 1 through 5 $0 per day for days 6 and beyond (Out-of-Network)
Inpatient hospital - psychiatric	$345 per day for days 1 through 5 $0 per day for days 6 through 90
Outpatient group therapy visit	$60 copay (Out-of-Network)
Outpatient group therapy visit	$35 copay
Outpatient group therapy visit with a psychiatrist	$35 copay
Outpatient group therapy visit with a psychiatrist	$60 copay (Out-of-Network)
Outpatient individual therapy visit	$60 copay (Out-of-Network)
Outpatient individual therapy visit	$35 copay
Outpatient individual therapy visit with a psychiatrist	$35 copay
Outpatient individual therapy visit with a psychiatrist	$60 copay (Out-of-Network)

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MOOP

$6,500 In and Out-of-network $3,900 In-network

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Option

No

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Optional supplemental benefits

No

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Outpatient Hospital Coverage

$250 copay per visit
$500 copay per visit (Out-of-Network)

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Preventive Care

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

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Preventive Dental

Cleaning	$0 copay
Cleaning	0-50% coinsurance (Out-of-Network)
Dental x-ray(s)	0-50% coinsurance (Out-of-Network)
Dental x-ray(s)	$0 copay
Fluoride treatment	$0 copay
Fluoride treatment	0-50% coinsurance (Out-of-Network)
Oral exam	$0 copay
Oral exam	0-50% coinsurance (Out-of-Network)

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Rehabilitation Services

Occupational therapy visit	$35 copay
Occupational therapy visit	$60 copay (Out-of-Network)
Physical therapy and speech and language therapy visit	$35 copay
Physical therapy and speech and language therapy visit	$60 copay (Out-of-Network)

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Skilled Nursing Facility

$0 per day for days 1 through 20 $184 per day for days 21 through 100
20% per stay 20% per day for days 1 through 100 (Out-of-Network)

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Transportation

Not covered

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Vision

Contact lenses	$0 copay
Contact lenses	$0 copay (Out-of-Network)
Eyeglass frames	$0 copay (Out-of-Network)
Eyeglass frames	$0 copay
Eyeglass lenses	$0 copay
Eyeglass lenses	$0 copay (Out-of-Network)
Eyeglasses (frames and lenses)	$0 copay (Out-of-Network)
Eyeglasses (frames and lenses)	$0 copay
Other	Not covered
Routine eye exam	$0 copay
Routine eye exam	20% coinsurance (Out-of-Network)
Upgrades	$0 copay
Upgrades	$0 copay (Out-of-Network)

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Wellness Programs (e.g. fitness nursing hotline)

Covered

CMS Star Ratings for HealthPartners UnityPoint Health Align (PPO) H3416

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with Health Plan

Member Complaints and Changes in HealthPartners UnityPoint Health Align (PPO) Plans Performance

Health Plan Customer Service Rating for HealthPartners UnityPoint Health Align (PPO)

HealthPartners UnityPoint Health Align (PPO) 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

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

Coverage Area for HealthPartners UnityPoint Health Align (PPO)

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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.