2022 MDwise Medicare Inspire (HMO)
MDwise Medicare Inspire (HMO) H7746-001 is a 2022 Medicare Advantage Plan or Part-C by MDwise Medicare available to residents in Indiana. This plan includes additional prescription drug (Part-D) coverage. The MDwise Medicare Inspire (HMO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $5,200 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $5,200 out-of-pocket. This can be a extremely nice safety net.
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MDwise Medicare Inspire (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.
MDwise Medicare works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for MDwise Medicare Inspire (HMO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from MDwise Medicare 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 MDwise Medicare except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.
2022 MDwise Medicare Medicare Advantage Plan Costs
| Name: | MDwise Medicare Inspire (HMO) |
|---|---|
| Plan ID: | H7746-001 |
| Provider: | MDwise Medicare |
| Year: | 2022 |
| Type: | Local HMO |
| Monthly Premium C+D: | $0 |
| Part C Premium: | $0.00 |
| MOOP: | $5,200 |
| Part D (Drug) Premium: | $0.00 |
| Part D Supplemental Premium | $0.00 |
| Total Part D Premium: | $0.00 |
| Drug Deductible: | $100.00 |
| Tiers with No Deductible: | 1 |
| Gap Coverage: | Yes |
| Benchmark: | not below the regional benchmark |
| Type of Medicare Health: | Enhanced Alternative |
| Drug Benefit Type: | Enhanced |
| Similar Plan: | H7746-002 |
| New Plan: | 2023 H7746-002 |
MDwise Medicare Inspire (HMO) Part-C Premium
MDwise Medicare 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.
H7746-001 Part-D Deductible and Premium
MDwise Medicare Inspire (HMO) has a monthly drug premium of $0.00 and a $100.00 drug deductible. This MDwise Medicare 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 MDwise Medicare 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.
MDwise Medicare 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 MDwise Medicare plan does offer additional coverage through the gap.
H7746-001 Formulary or Drug Coverage
MDwise Medicare Inspire (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 MDwise Medicare Inspire (HMO) H7746-001 Formulary here.
| Drug Tier | Copay Preferred Pharmacy |
Copay Nonpreferred Pharmacy |
|---|---|---|
| Tier 1 | NA | $3.5 |
| Tier 2 | NA | $12.5 |
| Tier 3 | NA | $47 |
| Tier 4 | NA | $100 |
| Tier 5 | NA | 31% |
| Tier 6 | NA | $0 |
Coverage Area for MDwise Medicare Inspire (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.