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2023 Clear Spring Health Choice Plan (PPO)

Clear Spring Health Choice Plan (PPO) H9589-003 is a 2023 Medicare Advantage Plan or Part-C by Clear Spring Health available to residents in Georgia. This plan includes extra prescription drug (Part-D) coverage. Clear Spring Health Clear Spring Health Choice Plan (PPO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $6,700 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $6,700 out-of-pocket. This can be an extremely nice safety net.

Clear Spring Health works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Clear Spring Health Choice Plan (PPO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Clear Spring Health 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 Clear Spring Health except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Georgia.



2023 Clear Spring Health Medicare Advantage Plan Overview

Name:Clear Spring Health Choice Plan (PPO)
Plan ID:H9589 003 0
Provider:Clear Spring Health
Year:2023
Type:Local PPO
Combined Premium (C+D):$0/mo
Part C Premium:$0/mo
MOOP:$6,700/yr
Part D (Drug) Premium:$0/mo
Part D Supplemental Premium$0/mo
Total Part D Premium:$0/mo
Drug Deductible:$250.00/yr
Tiers with No Deductible:1
Gap Coverage:No
Benchmark:Not below the regional benchmark
Type of Medicare Health:Enhanced Alternative
Drug Benefit Type:Enhanced
Similar Plan: H9589-003




What type of plan is Clear Spring Health Choice Plan (PPO)

Clear Spring Health Choice Plan (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.



How much does Clear Spring Health Choice Plan (PPO) cost?


Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Clear Spring Health charges a $0 consolidated premium. The Part C premium is $0 this charge covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.


Part-D Deductible and Premium

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. Clear Spring Health Choice Plan (PPO) has a monthly drug premium of $0 and a $250.00 drug deductible. This Clear Spring Health plan offers a $0 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. This Premium covers any enhanced plan benefits offered by Clear Spring Health above and beyond the standard PDP benefits. This can include extra coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $0. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.


Clear Spring Health Gap Coverage

In 2023 once you and your plan provider have spent $4660 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 extra coverage. This Clear Spring Health plan does not offer extra coverage through the gap.


MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Clear Spring Health Choice Plan (PPO) by Clear Spring Health MOOP is $6,700. Once you spend $6,700 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.



Formulary and Drug Coverage

Clear Spring Health Choice Plan (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.

Drug Tier Copay
Preferred
Pharmacy		 Copay
Nonpreferred
Pharmacy
Tier 1 $0 $5
Tier 2 $12 $17
Tier 3 $42 $47
Tier 4 $95 $100
Tier 5 28% 28%

The complete Clear Spring Health Choice Plan (PPO) Formulary.
*Initial Coverage Phase and 30 day supply





2023 Summary of Benefits


The benefit information provided is a summary of what Clear Spring Health Choice Plan (PPO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Clear Spring Health 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.

Wellness programs (e.g., fitness, nursing hotline)Covered


Contact lenses


VisionNot covered


Eyeglass frames


VisionNot covered


Eyeglass lenses


VisionNot covered


Eyeglasses (frames and lenses)


In-Network Vision$0 copay
Out-of-Network Vision$0 copay


Other


VisionNot covered


Routine eye exam


Out-of-Network Vision$0 copay
In-Network Vision$0 copay


Upgrades


VisionNot covered



In-Network Transportation$0 copay
Out-of-Network Transportation$0 copay
In-Network Skilled Nursing Facility$0 per day for days 1 through 20
$160 per day for days 21 through 62
$0 per day for days 63 through 100
Out-of-Network Skilled Nursing Facility$195 per day for days 1 through 35
$0 per day for days 36 through 100


Occupational therapy visit


In-Network Rehabilitation services$40 copay
Out-of-Network Rehabilitation services$40 copay


Physical therapy and speech and language therapy visit


Out-of-Network Rehabilitation services$40 copay
In-Network Rehabilitation services$40 copay


Cleaning


Out-of-Network Preventive dental$0 copay
In-Network Preventive dental$0 copay


Dental x-ray(s)


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental$0 copay


Fluoride treatment


Out-of-Network Preventive dental$0 copay
In-Network Preventive dental$0 copay


Oral exam


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental$0 copay



In-Network Preventive care$0 copay
Out-of-Network Preventive care$0 copay
In-Network Outpatient hospital coverage$250 copay per visit
Out-of-Network Outpatient hospital coverage20% coinsurance per visit
In-Network Other health plan deductibles?No
Optional supplemental benefitsNo


Inpatient hospital - psychiatric


Out-of-Network Mental health services$395 per day for days 1 through 7
$0 per day for days 8 through 90
In-Network Mental health services$250 per day for days 1 through 7
$0 per day for days 8 through 90


Outpatient group therapy visit


Out-of-Network Mental health services$40 copay
In-Network Mental health services$40 copay


Outpatient group therapy visit with a psychiatrist


In-Network Mental health services$40 copay
Out-of-Network Mental health services$40 copay


Outpatient individual therapy visit


In-Network Mental health services$40 copay
Out-of-Network Mental health services$40 copay


Outpatient individual therapy visit with a psychiatrist


Out-of-Network Mental health services$40 copay
In-Network Mental health services$40 copay


Chemotherapy


Out-of-Network Medicare Part B drugs20% coinsurance
In-Network Medicare Part B drugs20% coinsurance


Other Part B drugs


In-Network Medicare Part B drugs20% coinsurance
Out-of-Network Medicare Part B drugs20% coinsurance


Diabetes supplies


In-Network Medical equipment/supplies$0 copay
Out-of-Network Medical equipment/supplies20% coinsurance per item


Durable medical equipment (e.g., wheelchairs, oxygen)


In-Network Medical equipment/supplies20% coinsurance per item
Out-of-Network Medical equipment/supplies40% coinsurance per item


Prosthetics (e.g., braces, artificial limbs)


In-Network Medical equipment/supplies20% coinsurance per item
Out-of-Network Medical equipment/supplies20% coinsurance per item



Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)$10,000 In and Out-of-network
$6,700 In-network
In-Network Inpatient hospital coverage$295 per day for days 1 through 7
$0 per day for days 8 through 90
Out-of-Network Inpatient hospital coverage$395 per day for days 1 through 7
$0 per day for days 8 through 90


Fitting/evaluation


In-Network Hearing$0 copay
Out-of-Network Hearing$0 copay


Hearing aids


In-Network Hearing$0 copay
Out-of-Network Hearing$0 copay


Hearing exam


In-Network Hearing$50 copay
Out-of-Network Hearing20% coinsurance



Health plan deductible$0
Out-of-Network Ground ambulance20% coinsurance
In-Network Ground ambulance$275 copay


Foot exams and treatment


In-Network Foot care (podiatry services)$50 copay
Out-of-Network Foot care (podiatry services)$50 copay


Routine foot care


Foot care (podiatry services)Not covered


Emergency


Emergency care/Urgent care$90 copay per visit (always covered)


Urgent care


Emergency care/Urgent care$35 copay per visit (always covered)


Primary


Out-of-Network Doctor visits$20 copay per visit
In-Network Doctor visits$0 copay


Specialist


Out-of-Network Doctor visits$50 copay per visit
In-Network Doctor visits$0-45 copay per visit


Diagnostic radiology services (e.g., MRI)


In-Network Diagnostic procedures/lab services/imaging$0-100 copay
Out-of-Network Diagnostic procedures/lab services/imaging20% coinsurance


Diagnostic tests and procedures


In-Network Diagnostic procedures/lab services/imaging20% coinsurance
Out-of-Network Diagnostic procedures/lab services/imaging20% coinsurance


Lab services


In-Network Diagnostic procedures/lab services/imaging$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging$10 copay


Outpatient x-rays


In-Network Diagnostic procedures/lab services/imaging$0-100 copay
Out-of-Network Diagnostic procedures/lab services/imaging40% coinsurance


Diagnostic services


Out-of-Network Comprehensive dental$0 copay
In-Network Comprehensive dental$0 copay


Endodontics


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental$0 copay


Extractions


Out-of-Network Comprehensive dental$0 copay
In-Network Comprehensive dental$0 copay


Non-routine services


Comprehensive dentalNot covered


Periodontics


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental$0 copay


Prosthodontics, other oral/maxillofacial surgery, other services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental$0 copay


Restorative services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental$0 copay



In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?No




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 Clear Spring Health Choice Plan (PPO) requires you to live in that plan’s service area. The service area is listed below:

State: Georgia Medicare


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How much does Clear Spring Health Choice Plan (PPO) cost?

Clear Spring Health charges a $0 consolidated monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage of Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

How much is Clear Spring Health Choice Plan (PPO) MOOP?

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Clear Spring Health Choice Plan (PPO) by Clear Spring Health MOOP is $6,700. Once you spend $6,700 you will pay nothing for Part A or Part B covered services.

What type of plan is Clear Spring Health Choice Plan (PPO)?

Clear Spring Health Choice Plan (PPO) is a Local PPO. A (PPO) is a Medicare plan that has contracts with a network of preferred providers. You do not need to select a primary care physician and you do not need referrals to see other providers in the network.



Source:CMS. Data as of Oct 1, 2022.

Last updated on

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.

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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.

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