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2023 CHRISTUS Health Plan Guardian (HMO)
CHRISTUS Health Plan Guardian (HMO) H1189-006 is a 2023 Medicare Advantage Plan or Part-C by CHRISTUS Health Plan Generations available to residents in Texas. This plan does not provide extra prescription drug (Part-D) coverage. CHRISTUS Health Plan Generations CHRISTUS Health Plan Guardian (HMO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $4,400 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay
$4,400 out-of-pocket. This can be an extremely nice safety net.
CHRISTUS Health Plan Generations works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for CHRISTUS Health Plan Guardian (HMO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance)
and Part B (Medical Insurance) coverage from CHRISTUS Health Plan Generations and not Original Medicare. With 2023 Medicare Advantage Plan you are always covered for urgently needed and emergency care. Plus, you receive all
the benefits of Original Medicare from CHRISTUS Health Plan Generations except hospice care. Original Medicare still provides you with hospice care if you sign up for
Medicare Advantage in Texas.
What type of plan is CHRISTUS Health Plan Guardian (HMO)
CHRISTUS Health Plan Guardian (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 primary care physician 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 primary care physician approval, called a referral. Services received from an out-of-network provider are not typically covered.
How much does CHRISTUS Health Plan Guardian (HMO) cost?
Part-C Premium
A monthly premium is the fee you pay to the plan in exchange for coverage. CHRISTUS Health Plan Generations charges a $0 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.
MOOP
The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. CHRISTUS Health Plan Guardian (HMO) by CHRISTUS Health Plan Generations MOOP is $4,400. Once you spend $4,400 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.
2023 Summary of Benefits
The benefit information provided is a summary of what CHRISTUS Health Plan Guardian (HMO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from CHRISTUS Health Plan Generations helps
get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.
$0 per day for days 1 through 20 $164.50 per day for days 21 through 100
Occupational therapy visit
Rehabilitation services
$25 copay
Physical therapy and speech and language therapy visit
Rehabilitation services
$25 copay
Cleaning
Preventive dental
$5 copay
Dental x-ray(s)
Preventive dental
$5 copay
Fluoride treatment
Preventive dental
$5 copay
Oral exam
Preventive dental
$5 copay
Preventive care
$0 copay
Outpatient hospital coverage
$325 copay per visit
In-Network Other health plan deductibles?
No
Optional supplemental benefits
No
Inpatient hospital - psychiatric
Mental health services
$318 per day for days 1 through 5 $0 per day for days 6 through 90
Outpatient group therapy visit
Mental health services
$40 copay
Outpatient group therapy visit with a psychiatrist
Mental health services
$40 copay
Outpatient individual therapy visit
Mental health services
$40 copay
Outpatient individual therapy visit with a psychiatrist
Mental health services
$40 copay
Chemotherapy
Medicare Part B drugs
20% coinsurance
Other Part B drugs
Medicare Part B drugs
20% coinsurance
Diabetes supplies
Medical equipment/supplies
$0 copay
Durable medical equipment (e.g., wheelchairs, oxygen)
Medical equipment/supplies
20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs)
Medical equipment/supplies
20% coinsurance per item
Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)
$4,400 In-network
Inpatient hospital coverage
$320 per day for days 1 through 5 $0 per day for days 6 through 90 $320 per day for days 91 through 100
Fitting/evaluation
Hearing
Not covered
Hearing aids
Hearing
$395-695 copay
Hearing exam
Hearing
$25 copay
Health plan deductible
$0
Ground ambulance
$265 copay
Foot exams and treatment
Foot care (podiatry services)
$25 copay
Routine foot care
Foot care (podiatry services)
$0 copay
Emergency
Emergency care/Urgent care
$75 copay per visit (always covered)
Urgent care
Emergency care/Urgent care
$35 copay per visit (always covered)
Primary
Doctor visits
$0 copay
Specialist
Doctor visits
$25 copay per visit
Diagnostic radiology services (e.g., MRI)
Diagnostic procedures/lab services/imaging
$150 copay
Diagnostic tests and procedures
Diagnostic procedures/lab services/imaging
$50 copay
Lab services
Diagnostic procedures/lab services/imaging
$0 copay
Outpatient x-rays
Diagnostic procedures/lab services/imaging
$25 copay
Diagnostic services
Comprehensive dental
Not covered
Endodontics
Comprehensive dental
Not covered
Extractions
Comprehensive dental
Not covered
Non-routine services
Comprehensive dental
Not covered
Periodontics
Comprehensive dental
Not covered
Prosthodontics, other oral/maxillofacial surgery, other services
Comprehensive dental
Not covered
Restorative services
Comprehensive dental
Not covered
In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?
No
CHRISTUS Health Plan Guardian (HMO) Reviews
Is CHRISTUS Health Plan Guardian (HMO) a good plan? CHRISTUS Health Plan Guardian (HMO) received a 4 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well Medicare Advantage and Part D plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance.
Medicare Advantage with prescription drug (Part D) coverage (MA-PD) contracts are rated on up to 38 unique quality and performance measures. You can use the CMS star rating to compare CHRISTUS Health Plan Guardian Reviews among several different plans.
2022 Overall Rating
Part C Summary Rating
Part-D Summary Rating
Staying Healthy: Screenings, Tests, Vaccines
Managing Chronic (Long Term) Conditions
Member Experience with Health Plan
Complaints and Changes in Plans Performance
Health Plan Customer Service
Drug Plan Customer Service
Complaints and Changes in the Drug Plan
Member Experience with the Drug Plan
Drug Safety and Accuracy of Drug Pricing
Staying Healthy, Screening, Testing, & Vaccines
Total Preventative Rating
Breast Cancer Screening
Colorectal Cancer Screening
Annual Flu Vaccine
Monitoring Physical Activity
Managing Chronic And Long Term Care for Older Adults
Total Rating
SNP Care Management
Medication Review
Pain Assessment
Osteoporosis Management
Diabetes Care - Eye Exam
Diabetes Care - Kidney Disease
Diabetes Care - Blood Sugar
Controlling Blood Pressure
Reducing Risk of Falling
Improving Bladder Control
Medication Reconciliation
Statin Therapy
Member Experience with H1189-006 Health Plan
Total Experience Rating
Getting Needed Care
Getting Appointments
Customer Service
Health Care Quality
Rating of Health Plan
Care Coordination
Member Complaints and Changes in Plans Performance
Total Rating
Complaints about Health Plan
Members Leaving the Plan
Health Plan Quality Improvement
Health Plan Customer Service Rating for CHRISTUS Health Plan Generations
Total Customer Service Rating
Timely Decisions About Appeals
Reviewing Appeals Decisions
Call Center, TTY, Foreign Language
Drug Plan Customer Service Ratings
Total Rating
Call Center, TTY, Foreign Language
Ratings For Member Complaints and Changes in the Drug Plans Performance
Total Rating
Complaints about the Drug Plan
Members Choosing to Leave the Plan
Drug Plan Quality Improvement
Member Experience with the Drug Plan
Total Rating
Rating of Drug Plan
Getting Needed Prescription Drugs
Drug Safety and Accuracy of Drug Pricing
Total Rating
MPF Price Accuracy
Drug Adherence for Diabetes Medications
Drug Adherence for Hypertension (RAS antagonists)
Drug Adherence for Cholesterol (Statins)
MTM Program Completion Rate for CMR
Statin with Diabetes
Coverage Area
(Click county or state to compare all available Advantage plans)
The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for CHRISTUS Health Plan Guardian (HMO) requires you to live in that plan’s service area. The service area is listed below:
How much does CHRISTUS Health Plan Guardian (HMO) cost?
CHRISTUS Health Plan Generations charges a $0 monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage. The premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.
How much is CHRISTUS Health Plan Guardian (HMO) MOOP?
The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. CHRISTUS Health Plan Guardian (HMO) by CHRISTUS Health Plan Generations MOOP is $4,400. Once you spend $4,400 you will pay nothing for Part A or Part B covered services.
What type of plan is CHRISTUS Health Plan Guardian (HMO)?
CHRISTUS Health Plan Guardian (HMO) is a Local HMO *. With a health maintenance organization you will be required to receive most of your health care from an in-network provider. HMOs require that you select a primary care physician (PCP).
Is CHRISTUS Health Plan Guardian (HMO) a good plan?
CHRISTUS Health Plan Guardian (HMO) received a 4 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance.
Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit.
Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.
Site Search:
MedicareHelp.org is a privately-owned Non-governmental agency. The government website can be found at HealthCare.gov.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.
Every year, Medicare evaluates plans based on a 5-star rating system.
