PriorityMedicare Smart Savings (HMO-POS)

PriorityMedicare Smart Savings (HMO-POS) is a HMO-POS plan offered by Corewell Health available for enrollment in 2026 to people living in lower peninsula MI counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.

It's important to know that PriorityMedicare Smart Savings (HMO-POS) 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 PriorityMedicare Smart Savings (HMO-POS).

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 PriorityMedicare Smart Savings (HMO-POS) prescription drug plan features an annual drug deductible of $500. For Tier 1 preferred generic drugs, you will pay a low $1 copay for a 1-month supply at preferred pharmacies and preferred mail order, and there is no copay for a 3-month supply. Tier 2 generic drugs cost $8 for a 1-month supply at preferred pharmacies, and you will have no copay for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs require a $42 copay for a 1-month supply at preferred pharmacies and preferred mail order. For higher-tier medications, Tier 4 non-preferred drugs carry a 25% coinsurance, while Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply. Choosing standard pharmacies or standard mail order will generally result in higher copays across all tiers.

Additional Benefits

The PriorityMedicare Smart Savings (HMO-POS) plan offers robust coverage with no copay for primary care visits, annual physicals, preventive screenings, and home health services. For specialized medical care, members will find predictable costs with no coinsurance and low copays, such as $0 to $55 for specialist visits and $40 for urgent care. Inpatient hospital stays require a daily copay of $380 for the first seven days, while emergency room visits carry a $115 copay, both with no coinsurance. Additional benefits like routine dental, annual hearing exams, and eyewear are covered with no copay, though prescription hearing aids require copays ranging from $295 to $1,495. For diagnostic services and medical equipment, you can expect no copays for lab tests, a 20% coinsurance for durable medical equipment, and up to a 20% coinsurance for Medicare Part B drugs. This plan balances comprehensive care with clear, fixed-cost sharing to help you manage your healthcare budget effectively.