Anthem I CareMore Home Care (HMO I-SNP)

Anthem I CareMore Home Care (HMO I-SNP) is a HMO I-SNP plan offered by Elevance Health, Inc. available for enrollment in 2025 to people living in Los Angeles and Orange Counties. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Anthem I CareMore Home Care (HMO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Anthem I CareMore Home Care (HMO I-SNP).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The Anthem I CareMore Home Care (HMO I-SNP) prescription drug plan offers an enhanced alternative benefit with a $100 annual deductible. After meeting this deductible, you will pay no copay for Tier 1 preferred generic and Tier 5 specialty tier drugs at standard pharmacies or through standard mail. For other drug tiers, you will pay a coinsurance of 25% for standard generics, 30% for preferred brands, and 31% for non-preferred drugs. These cost-sharing rates apply during the initial coverage phase until your total yearly out-of-pocket drug costs reach $2,100. Once this threshold is met, you enter the catastrophic coverage phase and pay nothing for covered Part D medications. Additionally, those who qualify for Extra Help or the low-income subsidy can benefit from a reduced Part D premium of $0.

Additional Benefits

The Anthem I CareMore Home Care (HMO I-SNP) offers comprehensive coverage with minimal out-of-pocket costs for essential medical services. Members benefit from no copay and no coinsurance for inpatient hospital stays, outpatient services, primary care visits, and skilled nursing facility care up to 100 days. For emergencies, there is no coinsurance, though a $90 copay applies to emergency room visits unless the member is admitted to the hospital within 24 hours. This plan also features robust supplemental benefits, including dental, vision, and hearing services covered with no copay and no coinsurance. Members receive allowances for routine eyewear, hearing aids, and over-the-counter items, alongside up to 22 one-way transportation trips to approved locations each year. While diagnostic and lab services generally feature no copay, certain specialized treatments like therapeutic radiology and dialysis require copays or coinsurance.