MoreCare Home (HMO I-SNP) By MoreCare
MoreCare Home (HMO I-SNP) is a 2022 Medicare Advantage Special Needs Plan plan by MoreCare. This plan from MoreCare works with Medicare to give you significant coverage beyond original Medicare. If you decide to sign up you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from MoreCare and not Original Medicare. All Medicare SNPs also provide Medicare additional Part-D drug coverage. MoreCare Home (HMO I-SNP) H2678-003 is an Institutional SNP (I-SNP). An Institutional SNP is for beneficiaries who live in an institution such as a nursing home or require nursing care at home. If you live in an institution like a nursing home or hospital you can join any Medicare SNP you qualify for or switch plans at any time.
2022 Medicare Special Needs Plan Details
| Plan Name: | MoreCare Home (HMO I-SNP) |
|---|---|
| Plan ID: | H2678-003 |
| Special Needs Type: | Institutional |
| Provider: | MoreCare |
| Plan Year: | 2022 |
| Plan Type: | Local HMO |
| Monthly Premium C+D: | $0 |
| Part C Premium: | $0.00 |
| Part D (Drug) Premium: | $0.00 |
| Part D Supplemental Premium | $0.00 |
| Total Part D Premium: | $0.00 |
| Drug Deductible: | $435.00 |
| Tiers with No Deductible: | 1 |
| Benchmark: | below the regional benchmark |
| Type of Medicare Health Plan: | Basic Alternative |
| Drug Benefit Type: | Basic | Gap Coverage: | No Gap Coverage |
The MoreCare Home (HMO I-SNP) H2678-003 is available to residents in Illinois, and all Medicare SNPs must provide Medicare additional prescription drug (Part-D) coverage. MoreCare Home (HMO I-SNP) 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 need special care for a physician specialist, your primary care physician will make the arrangements and tell you where you can go in the network. You will need your PCPs okay, called a referral. Without getting a referral or services received from out-of-network providers are not typically covered by the 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 brand-name drugs and 25% on generic drugs unless your plan offers additional coverage. This MoreCare plan offer additional coverage through the gap.
MoreCare Home (HMO I-SNP) Part-C Premium
MoreCare 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.
H2678-003 Part-D Deductible and Premium
MoreCare Home (HMO I-SNP) has a monthly drug premium of $0.00 and a $435.00 drug deductible. This MoreCare plan offers a $0.00 Part D Basic Premium that is 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 MoreCare 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 lower due to negative basic or supplemental premiums.
MoreCare 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 MoreCare plan offer additional coverage through the gap.
H2678-003 Formulary or Drug Coverage
MoreCare Home (HMO I-SNP) 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 MoreCare Home (HMO I-SNP) H2678-003 Formulary here.
| Drug Tier | Copay Preferred Pharmacy |
Copay Nonpreferred Pharmacy |
|---|---|---|
| Tier 1 | NA | $7 |
| Tier 2 | NA | $17 |
| Tier 3 | NA | $47 |
| Tier 4 | NA | 50% |
| Tier 5 | NA | 25% |
Coverage Area for MoreCare Home (HMO I-SNP)
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Medicare Plans in Illinois| County: | |
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Source: CMS.
Plans as of September 1, 2021.
Notes: Data are subject to change. All contracts for 2022 have not been finalized. For 2022, enhanced alternative plans may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part Part D benefit.
Includes 2022 approved contracts/plans. Employer sponsored 800 series plans and plans under sanction are excluded.