Anthem I CareMore Kidney Care (HMO-POS C-SNP)

Anthem I CareMore Kidney Care (HMO-POS C-SNP) is a HMO-POS C-SNP plan offered by Elevance Health, Inc. available for enrollment in 2025 to people living in San Bernardino County. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Anthem I CareMore Kidney Care (HMO-POS C-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 Kidney Care (HMO-POS C-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 Kidney Care (HMO-POS C-SNP) prescription drug plan features an annual drug deductible of $150.00. During the initial coverage phase, you will pay no copay for Tier 1 preferred generic drugs at preferred pharmacies or standard mail, while standard pharmacies charge a $10.00 copay. Coinsurance rates for mid-level tiers range from 20% to 31%, but Tier 5 specialty drugs feature no copay across preferred, standard, and standard mail options. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D drugs. Additionally, individuals who qualify for the low-income subsidy can reduce their Part D drug costs and premium to $0.00. This plan provides an enhanced alternative benefit structure designed to minimize your out-of-pocket expenses on critical medications.

Additional Benefits

The Anthem I CareMore Kidney Care (HMO-POS C-SNP) plan offers robust coverage with no copay and no coinsurance for many essential services, including inpatient hospital stays, primary and specialist care, dialysis, and home health services. Outpatient services and emergency care are also highly affordable, featuring no coinsurance and low copays ranging from no copay up to $120. Ambulance services require a $195 copay, while plan-approved transportation is available with no copay and no coinsurance. Additionally, members benefit from dental, vision, and hearing coverage with no copay and no coinsurance, though certain annual limits apply to eyewear, hearing aids, and restorative dental care. While most diagnostic tests and diabetic supplies have no copay, some services like durable medical equipment and chemotherapy drugs may require up to a 20% coinsurance. Skilled nursing facility stays are also covered, requiring no copay for the first 20 days and a $100 daily copay for days 21 through 100.