A non-government entity
IMCare Classic (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for IMCare Classic (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on IMCare Classic (HMO D-SNP) in 2025, please refer to our full plan details page.
IMCare Classic (HMO D-SNP) is a HMO D-SNP plan offered by Itasca County available for enrollment in 2025 to people living in Itasca County. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that IMCare Classic (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
IMCare Classic (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about IMCare Classic (HMO D-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.
For IMCare Classic (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $24.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $590.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $9350.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for IMCare Classic (HMO D-SNP)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The IMCare Classic (HMO D-SNP) plan has a defined standard drug benefit. The plan has a deductible of $590. If you qualify for the low-income subsidy, your monthly premium will be $24. Once you meet your deductible, you will pay the costs for your drugs in each tier. After your yearly out-of-pocket drug costs reach $2000, you pay nothing for Medicare Part D covered drugs.
Additional Benefits
The IMCare Classic (HMO D-SNP) plan offers a range of benefits with varying cost-sharing. Many services, including primary care, outpatient, and emergency services, have a 20% coinsurance. Preventive services are covered, with some additional services requiring a 20% coinsurance. The plan also covers home health services with no copay or coinsurance, and provides benefits for dental, hearing, and vision services, though coverage may be limited. Other notable benefits include coverage for home infusion, dialysis, and medical equipment, each with specific cost-sharing and prior authorization requirements.
Inpatient Hospital See details
Inpatient Hospital benefits, including Acute and Psychiatric services, are covered, but additional days, non-Medicare covered stays, and upgrades for both are not covered. You will be responsible for the Medicare-defined cost share.
Outpatient Services See details
Outpatient services are covered, including outpatient hospital services and observation services, both with a 20% coinsurance. Ambulatory Surgical Center (ASC) Services and Outpatient Substance Abuse Services are also covered, with a coinsurance between 20% and 20%, and require prior authorization and a doctor referral. Outpatient blood services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization and a doctor referral. You will pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services, including ground and air ambulance services, are covered by IMCare Classic (HMO D-SNP), with a 20% coinsurance for both. Transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the IMCare Classic (HMO D-SNP) plan. Emergency Services and Urgently Needed Services have a 20% coinsurance, but no copay. Worldwide Emergency Services are not covered.
Primary Care See details
The IMCare Classic (HMO D-SNP) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, other health care professional services, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services. The plan has a 20% coinsurance for primary care physician services, chiropractic services, physician specialist services, physical therapy and speech-language pathology services, and a minimum and maximum 20% coinsurance for occupational therapy services, mental health specialty services, other health care professional services, psychiatric services, and opioid treatment program services. Routine chiropractic care is not covered, and podiatry services are also not covered.
Preventive Services See details
Preventive services are covered, including Medicare-covered zero dollar preventive services. Additional preventive services, such as health education, personal emergency response systems, fitness benefits, home and bathroom safety devices and modifications, kidney disease education services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit, are covered with 20% coinsurance. Annual physical exams, in-home safety assessments, medical nutrition therapy, post discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, remote access technologies, and counseling services are not covered.
Hearing Services See details
Hearing services are partially covered by the IMCare Classic (HMO D-SNP) plan. Hearing exams are covered with at most 20% coinsurance, but routine hearing exams and fitting/evaluation for hearing aids are not covered.
Vision Services See details
Vision Services are partially covered under the IMCare Classic (HMO D-SNP) plan. Eye Exams and Eyewear services are covered with a 20% coinsurance, but Routine Eye Exams, Contact Lenses, Eyeglasses (lenses and frames), Eyeglass lenses, Eyeglass frames, and Upgrades are not covered.
Dental Services See details
Dental services are covered, but Restorative Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), Maxillofacial Prosthetics, Implant Services, Oral and Maxillofacial Surgery, and Orthodontics are not covered. Adjunctive General Services and Orthodontic Services are covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B insulin drugs, are covered under the IMCare Classic (HMO D-SNP) plan. For Medicare Part B insulin drugs, there is a $35 copay and a coinsurance between 0% and 20%. Other Medicare Part B drugs, as well as Medicare Part B Chemotherapy/Radiation Drugs, are also covered with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the IMCare Classic (HMO D-SNP) plan, but require prior authorization and a doctor's referral. The coinsurance for Dialysis Services is 20%.
Medical Equipment See details
Medical equipment benefits are covered by the IMCare Classic (HMO D-SNP) plan. Durable Medical Equipment (DME) has a 20% coinsurance, and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies - Non-Medicare benefit and Diabetic Equipment both require prior authorization, with the plan covering Medicare-covered Prosthetic Devices and Medical Supplies with a 20% coinsurance. Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts also have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the IMCare Classic (HMO D-SNP) plan. Diagnostic Procedures/Tests and Diagnostic Radiological Services have a coinsurance of at most 20%, while Lab Services have a coinsurance of at most 0%. Therapeutic Radiological Services and Outpatient X-Ray Services have a coinsurance of at most 20%. There is no copay for any of these services.
Home Health Services See details
Home Health Services are covered by the IMCare Classic (HMO D-SNP) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the IMCare Classic (HMO D-SNP) plan. Prior authorization is required for Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered. Prior authorization and a doctor referral are required, and the plan charges the Medicare-defined cost share for tier 1.
Other Services See details
Other Services for the IMCare Classic (HMO D-SNP) plan includes coverage for Over-the-Counter (OTC) Items with a maximum benefit of $500.00 per year, while acupuncture, meal benefits, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved