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2023 McLaren Medicare Inspire Plus (HMO)
McLaren Medicare Inspire Plus (HMO) H6322-002 is a 2023 Medicare Advantage Plan or Part-C by McLaren Medicare available to residents in Michigan. This plan includes extra prescription drug (Part-D) coverage. McLaren Medicare McLaren Medicare Inspire Plus (HMO) has a monthly premium of $25.00 and has an in-network maximum out-of-pocket limit of $3,500 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay
$3,500 out-of-pocket. This can be an extremely nice safety net.
McLaren Medicare works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for McLaren Medicare Inspire Plus (HMO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance)
and Part B (Medical Insurance) coverage from McLaren Medicare 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 McLaren Medicare except hospice care. Original Medicare still provides you with hospice care if you sign up for
Medicare Advantage in Michigan.
What type of plan is McLaren Medicare Inspire Plus (HMO)
McLaren Medicare Inspire Plus (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 McLaren Medicare Inspire Plus (HMO) cost?
Monthly Premium
A monthly premium is the fee you pay to the plan in exchange for coverage. McLaren Medicare charges a $25.00 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. McLaren Medicare Inspire Plus (HMO) has a monthly drug premium of $25.00 and a $0 drug deductible. This McLaren Medicare plan offers a $25.00 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. This Premium covers any enhanced plan benefits offered by McLaren Medicare 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 $25.00. 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.
McLaren Medicare 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 McLaren Medicare plan does offer extra coverage through the gap.
Extra Help Premium Assistance
The Low Income Subsidy (LIS) Extra Helps people with Medicare pay for prescription drugs and lowers the costs of Medicare prescription drug coverage. Income limits are based on the Federal Poverty Level (FPL), which changes every year in February or March. The 2022 income limit is $1,719 ($2,309 for couples) per month. Depending on your income level you may be eligible for a full 75%, 50%, 25% premium assistance. The McLaren Medicare Inspire Plus (HMO) medicare insurance offers a $0 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $6.20 for 75% low-income subsidy $12.50 for 50% and $18.70 for 25%.
Full Assistance Premium:
$0
75% Assistance Premium:
$6.20
50% Assistance Premium:
$12.50
25% Assistance Premium:
$18.70
MOOP
The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. McLaren Medicare Inspire Plus (HMO) by McLaren Medicare MOOP is $3,500. Once you spend $3,500 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
McLaren Medicare Inspire Plus (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.
The benefit information provided is a summary of what McLaren Medicare Inspire Plus (HMO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from McLaren Medicare 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 $196 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
$0 copay
Dental x-ray(s)
Preventive dental
$0 copay
Fluoride treatment
Preventive dental
$0 copay
Oral exam
Preventive dental
$0 copay
Preventive care
$0 copay
Outpatient hospital coverage
$200 copay per visit
In-Network Other health plan deductibles?
No
Optional supplemental benefits
Yes
Inpatient hospital - psychiatric
Mental health services
$225 per day for days 1 through 7 $0 per day for days 8 through 90
Outpatient group therapy visit
Mental health services
$25 copay
Outpatient group therapy visit with a psychiatrist
Mental health services
$25 copay
Outpatient individual therapy visit
Mental health services
$25 copay
Outpatient individual therapy visit with a psychiatrist
Mental health services
$25 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)
$3,500 In-network
Inpatient hospital coverage
$225 per day for days 1 through 7 $0 per day for days 8 through 90
Fitting/evaluation
Hearing
$0 copay
Hearing aids
Hearing
$699-999 copay
Hearing exam
Hearing
$25 copay
Health plan deductible
$0
Ground ambulance
$220 copay
Foot exams and treatment
Foot care (podiatry services)
$25 copay
Routine foot care
Foot care (podiatry services)
Not covered
Emergency
Emergency care/Urgent care
$95 copay per visit (always covered)
Urgent care
Emergency care/Urgent care
$50 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
$20 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
50% coinsurance
Non-routine services
Comprehensive dental
Not covered
Periodontics
Comprehensive dental
0-50% coinsurance
Prosthodontics, other oral/maxillofacial surgery, other services
Comprehensive dental
$0 copay
Restorative services
Comprehensive dental
50% coinsurance
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 McLaren Medicare Inspire Plus (HMO) requires you to live in that plan’s service area. The service area is listed below:
How much does McLaren Medicare Inspire Plus (HMO) cost?
McLaren Medicare charges a $25.00 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 McLaren Medicare Inspire Plus (HMO) MOOP?
The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. McLaren Medicare Inspire Plus (HMO) by McLaren Medicare MOOP is $3,500. Once you spend $3,500 you will pay nothing for Part A or Part B covered services.
What type of plan is McLaren Medicare Inspire Plus (HMO)?
McLaren Medicare Inspire Plus (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).
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.
