Clear Spring Health Essential (PPO) H8014-001 is a 2023 Medicare Advantage Plan or Part-C by Clear Spring Health available to residents in Colorado. This plan includes extra prescription drug (Part-D) coverage. Clear Spring Health Clear Spring Health Essential (PPO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $5,500 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $5,500 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 Essential (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 Colorado.

2023 Clear Spring Health Medicare Advantage Plan Overview

What type of plan is Clear Spring Health Essential (PPO)

Clear Spring Health Essential (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 Essential (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 Essential (PPO) has a monthly drug premium of $0 and a $0 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 Essential (PPO) by Clear Spring Health MOOP is $5,500. Once you spend $5,500 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 Essential (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	$9
Tier 2	$7	$14
Tier 3	$42	$47
Tier 4	$95	$100
Tier 5	33%	33%

The complete Clear Spring Health Essential (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 Essential (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

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Contact lenses

Vision	Not covered

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Eyeglass frames

Vision	Not covered

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Eyeglass lenses

Vision	Not covered

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Eyeglasses (frames and lenses)

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

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Other

Vision	Not covered

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Routine eye exam

In-Network Vision	$0 copay
Out-of-Network Vision	45% coinsurance

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Upgrades

Vision	Not covered

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In-Network Transportation	$0 copay
Out-of-Network Transportation	$0 copay
In-Network Skilled Nursing Facility	$0 per day for days 1 through 20 $178 per day for days 21 through 100
Out-of-Network Skilled Nursing Facility	45% per day for days 1 through 20 45% per day for days 21 through 100

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Occupational therapy visit

Out-of-Network Rehabilitation services	45% coinsurance
In-Network Rehabilitation services	$40 copay

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Physical therapy and speech and language therapy visit

Out-of-Network Rehabilitation services	45% coinsurance
In-Network Rehabilitation services	$40 copay

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Cleaning

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

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Dental x-ray(s)

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

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Fluoride treatment

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

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Oral exam

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

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Out-of-Network Preventive care	45% coinsurance
In-Network Preventive care	$0 copay
In-Network Outpatient hospital coverage	$45-340 copay per visit
Out-of-Network Outpatient hospital coverage	45% coinsurance per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	No

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Inpatient hospital - psychiatric

In-Network Mental health services	$275 per day for days 1 through 6 $0 per day for days 7 through 90
Out-of-Network Mental health services	45% per day for days 1 through 6 45% per day for days 7 through 90

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Outpatient group therapy visit

In-Network Mental health services	$40 copay
Out-of-Network Mental health services	45% coinsurance

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Outpatient group therapy visit with a psychiatrist

In-Network Mental health services	$40 copay
Out-of-Network Mental health services	45% coinsurance

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Outpatient individual therapy visit

In-Network Mental health services	$40 copay
Out-of-Network Mental health services	45% coinsurance

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Outpatient individual therapy visit with a psychiatrist

Out-of-Network Mental health services	45% coinsurance
In-Network Mental health services	$40 copay

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Chemotherapy

In-Network Medicare Part B drugs	20% coinsurance
Out-of-Network Medicare Part B drugs	45% coinsurance

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Other Part B drugs

In-Network Medicare Part B drugs	20% coinsurance
Out-of-Network Medicare Part B drugs	45% coinsurance

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Diabetes supplies

In-Network Medical equipment/supplies	$0 copay
Out-of-Network Medical equipment/supplies	20% coinsurance per item

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

In-Network Medical equipment/supplies	20% coinsurance per item
Out-of-Network Medical equipment/supplies	45% coinsurance per item

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

In-Network Medical equipment/supplies	20% coinsurance per item
Out-of-Network Medical equipment/supplies	45% coinsurance per item

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Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$8,950 In and Out-of-network $5,500 In-network
In-Network Inpatient hospital coverage	$300 per day for days 1 through 5 $0 per day for days 6 through 90
Out-of-Network Inpatient hospital coverage	45% per day for days 1 through 5 45% per day for days 6 through 90

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Fitting/evaluation

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

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Hearing aids

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

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Hearing exam

Out-of-Network Hearing	45% coinsurance
In-Network Hearing	$0 copay

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Health plan deductible	$0
Out-of-Network Ground ambulance	$275 copay
In-Network Ground ambulance	$270 copay

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Foot exams and treatment

Out-of-Network Foot care (podiatry services)	45% coinsurance
In-Network Foot care (podiatry services)	$0 copay

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Routine foot care

Foot care (podiatry services)	Not covered

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Emergency

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

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Urgent care

Emergency care/Urgent care	$30 copay per visit (always covered)

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Primary

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

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Specialist

In-Network Doctor visits	$0-20 copay per visit
Out-of-Network Doctor visits	45% coinsurance per visit

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Diagnostic radiology services (e.g., MRI)

In-Network Diagnostic procedures/lab services/imaging	$20-175 copay
Out-of-Network Diagnostic procedures/lab services/imaging	45% coinsurance

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Diagnostic tests and procedures

In-Network Diagnostic procedures/lab services/imaging	$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging	45% coinsurance

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Lab services

In-Network Diagnostic procedures/lab services/imaging	$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging	45% coinsurance

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Outpatient x-rays

In-Network Diagnostic procedures/lab services/imaging	$20 copay
Out-of-Network Diagnostic procedures/lab services/imaging	45% coinsurance

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Diagnostic services

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

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Endodontics

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

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Extractions

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

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Non-routine services

Comprehensive dental	Not covered

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Periodontics

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

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Prosthodontics, other oral/maxillofacial surgery, other services

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

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Restorative services

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

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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 Essential (PPO) requires you to live in that plan’s service area. The service area is listed below:

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

Last updated on December 03, 2022

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.