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2023 OSF MedAdvantage Enrich (HMO-POS)

OSF MedAdvantage Enrich (HMO-POS) H1463-042 is a 2023 Medicare Advantage Plan or Part-C by Health Alliance Medicare available to residents in Illinois. This plan includes extra prescription drug (Part-D) coverage. Health Alliance Medicare OSF MedAdvantage Enrich (HMO-POS) has a monthly premium of $150.00 and has an in-network maximum out-of-pocket limit of $- (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $- out-of-pocket. This can be an extremely nice safety net.

Health Alliance Medicare works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for OSF MedAdvantage Enrich (HMO-POS) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Health Alliance 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 Health Alliance Medicare except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Illinois.



2023 Health Alliance Medicare Medicare Advantage Plan Overview

Name:OSF MedAdvantage Enrich (HMO-POS)
Plan ID:H1463 042 0
Provider:Health Alliance Medicare
Year:2023
Type:Local HMO
Combined Premium (C+D):$150.00/mo
Part C Premium:$111.50/mo
MOOP:$-/yr
Part D (Drug) Premium:$38.50/mo
Part D Supplemental Premium$0/mo
Total Part D Premium:$38.50/mo
Drug Deductible:$175.00/yr
Tiers with No Deductible:1
Gap Coverage:Yes
Benchmark:Not below the regional benchmark
Type of Medicare Health:Enhanced Alternative
Drug Benefit Type:Enhanced
Similar Plan: H1463-043




What type of plan is OSF MedAdvantage Enrich (HMO-POS)

OSF MedAdvantage Enrich (HMO-POS) 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.

With a HMO-POS point-of-service you have the option to go out-of-network or see a specialist without a referral. But, you may pay more for out-of-network care you receive than from an in-network provider.



How much does OSF MedAdvantage Enrich (HMO-POS) cost?


Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Health Alliance Medicare charges a $150.00 consolidated premium. The Part C premium is $111.50 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. OSF MedAdvantage Enrich (HMO-POS) has a monthly drug premium of $38.50 and a $175.00 drug deductible. This Health Alliance Medicare plan offers a $38.50 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 Health Alliance 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 $38.50. 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.


Health Alliance 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 Health Alliance 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 OSF MedAdvantage Enrich (HMO-POS) medicare insurance offers a $11.10 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $18.00 for 75% low-income subsidy $24.80 for 50% and $31.70 for 25%.


Full Assistance Premium:$11.10
75% Assistance Premium:$18.00
50% Assistance Premium:$24.80
25% Assistance Premium:$31.70


Formulary and Drug Coverage

OSF MedAdvantage Enrich (HMO-POS) 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 NA $2
Tier 2 NA $15
Tier 3 NA $47
Tier 4 NA 50%
Tier 5 NA 30%

The complete OSF MedAdvantage Enrich (HMO-POS) Formulary.
*Initial Coverage Phase and 30 day supply





2023 Summary of Benefits


The benefit information provided is a summary of what OSF MedAdvantage Enrich (HMO-POS) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Health Alliance 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.

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


Contact lenses


VisionNot covered


Eyeglass frames


VisionNot covered


Eyeglass lenses


VisionNot covered


Eyeglasses (frames and lenses)


VisionNot covered


Other


VisionNot covered


Routine eye exam


VisionNot covered


Upgrades


VisionNot covered



TransportationNot covered
Out-of-Network Skilled Nursing Facility$0 copay
In-Network Skilled Nursing Facility$0 copay


Occupational therapy visit


Out-of-Network Rehabilitation services$0 copay
In-Network Rehabilitation services$0 copay


Physical therapy and speech and language therapy visit


In-Network Rehabilitation services$0 copay
Out-of-Network Rehabilitation services$0 copay


Cleaning


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental0-40% coinsurance


Dental x-ray(s)


Out-of-Network Preventive dental0-40% coinsurance
In-Network Preventive dental$0 copay


Fluoride treatment


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental0-40% coinsurance


Oral exam


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental0-40% coinsurance



In-Network Preventive care$0 copay
Out-of-Network Preventive care$0 copay
In-Network Outpatient hospital coverage$0 copay
Out-of-Network Outpatient hospital coverage$0 copay
In-Network Other health plan deductibles?No
Optional supplemental benefitsNo


Inpatient hospital - psychiatric


In-Network Mental health services$0 copay
Out-of-Network Mental health services$0 copay


Outpatient group therapy visit


In-Network Mental health services$0 copay
Out-of-Network Mental health services$0 copay


Outpatient group therapy visit with a psychiatrist


In-Network Mental health services$0 copay
Out-of-Network Mental health services$0 copay


Outpatient individual therapy visit


In-Network Mental health services$0 copay
Out-of-Network Mental health services$0 copay


Outpatient individual therapy visit with a psychiatrist


In-Network Mental health services$0 copay
Out-of-Network Mental health services$0 copay


Chemotherapy


Out-of-Network Medicare Part B drugs$0 copay
In-Network Medicare Part B drugs$0 copay


Other Part B drugs


Out-of-Network Medicare Part B drugs$0 copay
In-Network Medicare Part B drugs$0 copay


Diabetes supplies


In-Network Medical equipment/supplies$0 copay
Out-of-Network Medical equipment/supplies$0 copay


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


Out-of-Network Medical equipment/supplies$0 copay
In-Network Medical equipment/supplies$0 copay


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


In-Network Medical equipment/supplies$0 copay
Out-of-Network Medical equipment/supplies$0 copay



Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)$0 In and Out-of-network
$0 In-network
In-Network Inpatient hospital coverage$0 copay
Out-of-Network Inpatient hospital coverage$0 copay


Fitting/evaluation


HearingNot covered


Hearing aids - inner ear


HearingNot covered


Hearing aids - outer ear


HearingNot covered


Hearing aids - over the ear


HearingNot covered


Hearing exam


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



Health plan deductible$0
In-Network Ground ambulance$0 copay


Foot exams and treatment


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


Routine foot care


Foot care (podiatry services)Not covered


Emergency


Emergency care/Urgent care$0 copay


Urgent care


Emergency care/Urgent care$0 copay


Primary


Out-of-Network Doctor visits$0 copay
In-Network Doctor visits$0 copay


Specialist


Out-of-Network Doctor visits$0 copay
In-Network Doctor visits$0 copay


Diagnostic radiology services (e.g., MRI)


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


Diagnostic tests and procedures


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


Lab services


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


Outpatient x-rays


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


Diagnostic services


In-Network Comprehensive dental20% coinsurance
Out-of-Network Comprehensive dental0-40% coinsurance


Endodontics


Out-of-Network Comprehensive dental0-40% coinsurance
In-Network Comprehensive dental20% coinsurance


Extractions


In-Network Comprehensive dental20% coinsurance
Out-of-Network Comprehensive dental0-40% coinsurance


Non-routine services


Out-of-Network Comprehensive dental0-40% coinsurance
In-Network Comprehensive dental20% coinsurance


Periodontics


Out-of-Network Comprehensive dental0-40% coinsurance
In-Network Comprehensive dental20% coinsurance


Prosthodontics, other oral/maxillofacial surgery, other services


In-Network Comprehensive dental20-40% coinsurance
Out-of-Network Comprehensive dental0-40% coinsurance


Restorative services


Out-of-Network Comprehensive dental0-40% coinsurance
In-Network Comprehensive dental20% coinsurance



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




OSF MedAdvantage Enrich (HMO-POS) Reviews


Is OSF MedAdvantage Enrich (HMO-POS) a good plan? OSF MedAdvantage Enrich (HMO-POS) 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 OSF MedAdvantage Enrich 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 H1463-042 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 Health Alliance Medicare

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 OSF MedAdvantage Enrich (HMO-POS) requires you to live in that plan’s service area. The service area is listed below:

State: Illinois Medicare
County:Boone County MA Plans

Bureau County MA Plans

De Witt County MA Plans

Henderson County MA Plans

Henry County MA Plans

Knox County MA Plans

La Salle County MA Plans

Livingston County MA Plans

Marshall County MA Plans

McLean County MA Plans

Peoria County MA Plans

Putnam County MA Plans

Stark County MA Plans

Tazewell County MA Plans

Warren County MA Plans

Winnebago County MA Plans

Woodford County MA Plans



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How much does OSF MedAdvantage Enrich (HMO-POS) cost?

Health Alliance Medicare charges a $150.00 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 OSF MedAdvantage Enrich (HMO-POS) MOOP?

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. OSF MedAdvantage Enrich (HMO-POS) by Health Alliance Medicare MOOP is $-. Once you spend $- you will pay nothing for Part A or Part B covered services.

What type of plan is OSF MedAdvantage Enrich (HMO-POS)?

OSF MedAdvantage Enrich (HMO-POS) 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).

With a HMO-POS point-of-service you have the option to go out-of-network or see a specialist without a referral. But, you may pay more for out-of-network care you receive than from an in-network provider.

Is OSF MedAdvantage Enrich (HMO-POS) a good plan?

OSF MedAdvantage Enrich (HMO-POS) 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.



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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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.