Prevea360 Essential (HMO-POS) H9096-006 is a 2023 Medicare Advantage Plan or Part-C by Dean Advantage, Prevea360 Medicare Advantage available to residents in Wisconsin. This plan includes extra prescription drug (Part-D) coverage. Dean Advantage, Prevea360 Medicare Advantage Prevea360 Essential (HMO-POS) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $4,700 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $4,700 out-of-pocket. This can be an extremely nice safety net.

Dean Advantage, Prevea360 Medicare Advantage works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Prevea360 Essential (HMO-POS) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Dean Advantage, Prevea360 Medicare Advantage 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 Dean Advantage, Prevea360 Medicare Advantage except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Wisconsin.

2023 Dean Advantage, Prevea360 Medicare Advantage Medicare Advantage Plan Overview

What type of plan is Prevea360 Essential (HMO-POS)

Prevea360 Essential (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 Prevea360 Essential (HMO-POS) cost?

Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Dean Advantage, Prevea360 Medicare Advantage 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. Prevea360 Essential (HMO-POS) has a monthly drug premium of $0 and a $250.00 drug deductible. This Dean Advantage, Prevea360 Medicare Advantage 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 Dean Advantage, Prevea360 Medicare Advantage 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.

Dean Advantage, Prevea360 Medicare Advantage 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 Dean Advantage, Prevea360 Medicare Advantage plan does offer extra coverage through the gap.

MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Prevea360 Essential (HMO-POS) by Dean Advantage, Prevea360 Medicare Advantage MOOP is $4,700. Once you spend $4,700 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

Prevea360 Essential (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	$2	$7
Tier 2	$5	$10
Tier 3	$42	$47
Tier 4	$95	$100
Tier 5	29%	29%
Tier 6	$0	$0

The complete Prevea360 Essential (HMO-POS) Formulary.
*Initial Coverage Phase and 30 day supply

2023 Summary of Benefits

The benefit information provided is a summary of what Prevea360 Essential (HMO-POS) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Dean Advantage, Prevea360 Medicare Advantage 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)

Vision	Not covered

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Other

Vision	Not covered

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Routine eye exam

In-Network Vision	$0 copay

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Upgrades

Vision	Not covered

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In-Network Transportation	$0 copay
In-Network Skilled Nursing Facility	$0 per day for days 1 through 20 $196 per day for days 21 through 100
Out-of-Network Skilled Nursing Facility	$150 per day for days 1 through 100

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Occupational therapy visit

In-Network Rehabilitation services	$40 copay
Out-of-Network Rehabilitation services	$60 copay

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Physical therapy and speech and language therapy visit

Out-of-Network Rehabilitation services	$60 copay
In-Network Rehabilitation services	$40 copay

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Cleaning

In-Network Preventive dental	$0 copay

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Dental x-ray(s)

In-Network Preventive dental	$0 copay

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Fluoride treatment

In-Network Preventive dental	$0 copay

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Oral exam

In-Network Preventive dental	$0 copay

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In-Network Preventive care	$0 copay
Out-of-Network Preventive care	$30 copay
In-Network Outpatient hospital coverage	$0-350 copay per visit
Out-of-Network Outpatient hospital coverage	40% 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	$350 per day for days 1 through 5 $0 per day for days 6 through 90
Out-of-Network Mental health services	$600 per day for days 1 through 7 $0 per day for days 8 through 90

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Outpatient group therapy visit

In-Network Mental health services	$0 copay
Out-of-Network Mental health services	$60 copay

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Outpatient group therapy visit with a psychiatrist

Out-of-Network Mental health services	$60 copay
In-Network Mental health services	$0 copay

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Outpatient individual therapy visit

Out-of-Network Mental health services	$60 copay
In-Network Mental health services	$0 copay

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Outpatient individual therapy visit with a psychiatrist

In-Network Mental health services	$0 copay
Out-of-Network Mental health services	$60 copay

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Chemotherapy

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

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Other Part B drugs

In-Network Medicare Part B drugs	$2-47 copay or 20% coinsurance
Out-of-Network Medicare Part B drugs	20% coinsurance

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Diabetes supplies

In-Network Medical equipment/supplies	$0 copay per item
Out-of-Network Medical equipment/supplies	40% coinsurance per item

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

In-Network Medical equipment/supplies	0-20% coinsurance per item
Out-of-Network Medical equipment/supplies	40% coinsurance per item

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

Out-of-Network Medical equipment/supplies	40% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

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Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$6,000 In and Out-of-network $4,700 In-network
Out-of-Network Inpatient hospital coverage	$600 per day for days 1 through 7 $0 per day for days 8 through 90
In-Network Inpatient hospital coverage	$350 per day for days 1 through 5 $0 per day for days 6 through 90

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Fitting/evaluation

In-Network Hearing	$0 copay

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Hearing aids

In-Network Hearing	$0 copay

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Hearing exam

Out-of-Network Hearing	$60 copay
In-Network Hearing	$35 copay

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

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Foot exams and treatment

Out-of-Network Foot care (podiatry services)	$60 copay
In-Network Foot care (podiatry services)	$40 copay

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Routine foot care

In-Network Foot care (podiatry services)	$40 copay
Out-of-Network Foot care (podiatry services)	$60 copay

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Emergency

Emergency care/Urgent care	$95 copay per visit (always covered)

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Urgent care

Emergency care/Urgent care	$0-35 copay per visit (always covered)

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Primary

Out-of-Network Doctor visits	$60 copay per visit
In-Network Doctor visits	$0 copay

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Specialist

In-Network Doctor visits	$0-35 copay per visit
Out-of-Network Doctor visits	$60 copay per visit

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Diagnostic radiology services (e.g., MRI)

In-Network Diagnostic procedures/lab services/imaging	$0-150 copay
Out-of-Network Diagnostic procedures/lab services/imaging	40% coinsurance

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Diagnostic tests and procedures

In-Network Diagnostic procedures/lab services/imaging	$25 copay
Out-of-Network Diagnostic procedures/lab services/imaging	20% coinsurance

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Lab services

In-Network Diagnostic procedures/lab services/imaging	$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging	20% coinsurance

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Outpatient x-rays

In-Network Diagnostic procedures/lab services/imaging	$30 copay
Out-of-Network Diagnostic procedures/lab services/imaging	40% coinsurance

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Diagnostic services

In-Network Comprehensive dental	$0-45 copay

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Endodontics

In-Network Comprehensive dental	$595 copay

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Extractions

In-Network Comprehensive dental	$95 copay

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Non-routine services

In-Network Comprehensive dental	$45 copay

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Periodontics

In-Network Comprehensive dental	$45-595 copay

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Prosthodontics, other oral/maxillofacial surgery, other services

In-Network Comprehensive dental	$595 copay

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Restorative services

In-Network Comprehensive dental	$95 copay

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

Prevea360 Essential (HMO-POS) Reviews

Is Prevea360 Essential (HMO-POS) a good plan? Prevea360 Essential (HMO-POS) received a 5 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 Prevea360 Essential Reviews among several different plans.

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with H9096-006 Health Plan

Member Complaints and Changes in Plans Performance

Health Plan Customer Service Rating for Dean Advantage, Prevea360 Medicare Advantage

Drug Plan Customer Service Ratings

Ratings For Member Complaints and Changes in the Drug Plans Performance

Member Experience with the Drug Plan

Drug Safety and Accuracy of Drug Pricing

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 Prevea360 Essential (HMO-POS) 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.