2022 IU Health Plans Medicare Choice (HMO-POS)

IU Health Plans Medicare Choice (HMO-POS) H7220-004 is a 2022 Medicare Advantage Plan or Part-C by Indiana University Health Plans available to residents in Indiana. This plan includes additional prescription drug (Part-D) coverage. The IU Health Plans Medicare Choice (HMO-POS) has a monthly premium of $98.00 and has an in-network maximum out-of-pocket limit of $6,850 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $6,850 out-of-pocket. This can be a extremely nice safety net.

IU Health Plans Medicare Choice (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.

Indiana University Health Plans works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for IU Health Plans Medicare Choice (HMO-POS) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Indiana University Health Plans 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 Indiana University Health Plans except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.

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2022 Indiana University Health Plans Medicare Advantage Plan Costs

IU Health Plans Medicare Choice (HMO-POS) Part-C Premium

Indiana University Health Plans charges a $98.00 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.

H7220-004 Part-D Deductible and Premium

IU Health Plans Medicare Choice (HMO-POS) has a monthly drug premium of $0.00 and a $200.00 drug deductible. This Indiana University Health Plans 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 Indiana University Health Plans 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.

Indiana University Health Plans 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 Indiana University Health Plans plan does not offer additional coverage through the gap.

H7220-004 Formulary or Drug Coverage

IU Health Plans Medicare Choice (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 IU Health Plans Medicare Choice (HMO-POS) H7220-004 Formulary here.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$6
Tier 2	NA	$15
Tier 3	NA	$47
Tier 4	NA	$100
Tier 5	NA	29%
Tier 6	NA	$0

*Initial Coverage Phase and 30 day supply

2021 IU Health Plans Medicare Choice (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	Not covered
Endodontics	Not covered
Extractions	Not covered
Non-routine services	Not covered
Periodontics	Not covered
Prosthodontics, other oral/maxillofacial surgery, other services	Not covered
Restorative services	Not covered

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Deductible

$0

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Diagnostic Tests and Procedures

Diagnostic radiology services (e.g., MRI)	20% coinsurance
Diagnostic radiology services (e.g., MRI)	50% coinsurance (Out-of-Network)
Diagnostic tests and procedures	20% coinsurance
Diagnostic tests and procedures	50% coinsurance (Out-of-Network)
Lab services	$10 copay
Lab services	50% coinsurance (Out-of-Network)
Outpatient x-rays	$25 copay
Outpatient x-rays	50% coinsurance (Out-of-Network)

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Doctor Visits

Primary	50% coinsurance per visit (Out-of-Network)
Primary	$5 copay per visit
Specialist	50% 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	$65 copay per visit (always covered)

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Foot Care (podiatry services)

Foot exams and treatment	50% coinsurance (Out-of-Network)
Foot exams and treatment	$40 copay
Routine foot care	Not covered

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Ground Ambulance

$220 copay
50% coinsurance (Out-of-Network)

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Hearing

Fitting/evaluation	$0 copay
Hearing aids	$599-899 copay
Hearing exam	$40 copay
Hearing exam	50% coinsurance (Out-of-Network)

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Inpatient Hospital Coverage

50% per stay (Out-of-Network)
$335 per day for days 1 through 6 $0 per day for days 7 through 90

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Medical Equipment/Supplies

Diabetes supplies	50% coinsurance per item (Out-of-Network)
Diabetes supplies	$0 copay
Durable medical equipment (e.g., wheelchairs, oxygen)	50% coinsurance per item (Out-of-Network)
Durable medical equipment (e.g., wheelchairs, oxygen)	20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs)	50% 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	50% coinsurance (Out-of-Network)
Other Part B drugs	20% coinsurance
Other Part B drugs	50% coinsurance (Out-of-Network)

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Mental Health Services

Inpatient hospital - psychiatric	50% per stay (Out-of-Network)
Inpatient hospital - psychiatric	$310 per day for days 1 through 6 $0 per day for days 7 through 90
Outpatient group therapy visit	$40 copay
Outpatient group therapy visit	50% coinsurance (Out-of-Network)
Outpatient group therapy visit with a psychiatrist	$40 copay
Outpatient group therapy visit with a psychiatrist	50% coinsurance (Out-of-Network)
Outpatient individual therapy visit	$40 copay
Outpatient individual therapy visit	50% coinsurance (Out-of-Network)
Outpatient individual therapy visit with a psychiatrist	50% coinsurance (Out-of-Network)
Outpatient individual therapy visit with a psychiatrist	$40 copay

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MOOP

$6,700 In and Out-of-network $6,700 In-network

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Option

No

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Optional supplemental benefits

Yes

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Outpatient Hospital Coverage

50% coinsurance per visit (Out-of-Network)
$325 copay per visit

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Package #1

Deductible	$25.00
Monthly Premium	$10.00

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Package #2

Deductible	$25.00
Monthly Premium	$16.00

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Package #3

Deductible	$25.00
Monthly Premium	$22.00

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Preventive Care

50% coinsurance (Out-of-Network)
$0 copay

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Preventive Dental

Cleaning	0-50% coinsurance
Dental x-ray(s)	0-50% coinsurance
Fluoride treatment	Not covered
Oral exam	0-50% coinsurance

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Rehabilitation Services

Occupational therapy visit	$40 copay
Occupational therapy visit	50% coinsurance (Out-of-Network)
Physical therapy and speech and language therapy visit	50% coinsurance (Out-of-Network)
Physical therapy and speech and language therapy visit	$40 copay

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Skilled Nursing Facility

$0 per day for days 1 through 20 $184 per day for days 21 through 100
50% per stay (Out-of-Network)

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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	Not covered

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Wellness Programs (e.g. fitness nursing hotline)

Covered

CMS Star Ratings for IU Health Plans Medicare Choice (HMO-POS) H7220

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with Health Plan

Member Complaints and Changes in IU Health Plans Medicare Choice (HMO-POS) Plans Performance

Health Plan Customer Service Rating for IU Health Plans Medicare Choice (HMO-POS)

IU Health Plans Medicare Choice (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 IU Health Plans Medicare Choice (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.