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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 2026, 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 2026.
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 $30.40. 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 $615.00 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 $9250.00 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:
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Drug Coverage
The IMCare Classic (HMO D-SNP) Medicare plan features an annual prescription drug deductible of $615. This deductible is the amount you will need to pay out-of-pocket for your covered medications before the plan starts to cover its share of your prescription costs. Specific drug coverage tier details, including individual copayments and coinsurance rates, are currently unavailable for this plan. To determine your exact costs for specific medications under IMCare Classic (HMO D-SNP), you should refer to the plan's comprehensive formulary list.
Additional Benefits
The IMCare Classic (HMO D-SNP) plan offers robust coverage for essential medical services, featuring no copays and a standard 20% coinsurance for outpatient care, specialist visits, emergency services, and medical equipment. Inpatient hospital stays, home health services, and diagnostic lab tests are covered with no copay and no coinsurance to help lower your out-of-pocket expenses. However, routine dental, routine hearing, and all vision services are excluded from this plan. For extra health perks, the plan provides zero-dollar preventive services, fitness benefits, and an annual over-the-counter allowance of up to $500 with no copay and no coinsurance. While Medicare Part B insulin is covered with a $35 copay and variable coinsurance, other wellness benefits like transportation services and acupuncture are not covered. Overall, this plan helps keep costs manageable by eliminating copays for most medical treatments while requiring coinsurance for specialty and outpatient care.
Inpatient Hospital See details
Inpatient hospital services are partially covered by IMCare Classic (HMO D-SNP) with no copay and no coinsurance for acute and psychiatric stays. However, additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by IMCare Classic (HMO D-SNP) with no copays and a 20% coinsurance for hospital, ambulatory surgical center, substance abuse, and blood services. Prior authorization is required for outpatient substance abuse services, and there is no deductible for blood services.
Partial Hospitalization See details
Partial hospitalization benefits are covered under the IMCare Classic (HMO D-SNP) plan with no copay and a 20% coinsurance.
Ambulance and Transportation Services See details
IMCare Classic (HMO D-SNP) covers Medicare-covered ground and air ambulance services with a 20% coinsurance and no copay, which is not waived if you are admitted to the hospital. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services and urgently needed services are covered by IMCare Classic (HMO D-SNP) with a 20% coinsurance and no copay, with the coinsurance waived if you are admitted to the hospital within three days. Worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
IMCare Classic (HMO D-SNP) covers primary care, specialist visits, therapy, psychiatric, and mental health services with no copay and 20% coinsurance, though prior authorization is required for some treatments. Additional telehealth benefits are covered, but chiropractic and podiatry services are not covered.
Preventive Services See details
IMCare Classic (HMO D-SNP) partially covers preventive services, offering Medicare-covered zero-dollar preventive services, fitness benefits, and personal emergency response systems with no copay and no coinsurance. While annual physical exams and several supplemental therapies are not covered, other services like kidney disease education and glaucoma screenings are available with no copay and a 20% coinsurance.
Hearing Services See details
Hearing services are partially covered by IMCare Classic (HMO D-SNP), which offers diagnostic hearing exams with no copay and no coinsurance, though routine exams and fitting evaluations are not covered. Prescription and OTC hearing aids are not covered in practice, as all prescription aid types, including inner ear, outer ear, and over the ear devices, are excluded.
Vision Services See details
Vision services are not covered under IMCare Classic (HMO D-SNP), as routine eye exams, contact lenses, eyeglasses, and eyewear upgrades are all excluded from coverage.
Dental Services See details
Dental services are partially covered by IMCare Classic (HMO D-SNP), which offers Medicare-covered dental services with no copay and no coinsurance. However, non-Medicare dental services, including preventive care like cleanings, oral exams, and x-rays, as well as comprehensive services like restorative care and orthodontics, are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by IMCare Classic (HMO D-SNP) with no copay, while associated Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance. Medicare Part B insulin is also covered under this benefit with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the IMCare Classic (HMO D-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
IMCare Classic (HMO D-SNP) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by IMCare Classic (HMO D-SNP) with no copays. There is no coinsurance for lab services, while diagnostic procedures, diagnostic and therapeutic radiological services, and outpatient X-rays require a 20% coinsurance.
Home Health Services See details
Home Health Services are covered under IMCare Classic (HMO D-SNP) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by IMCare Classic (HMO D-SNP) with no copay, though only some services are covered in practice. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by IMCare Classic (HMO D-SNP) with no copay, though Medicare-defined cost-sharing coinsurance applies. Admission requires a prior three-day inpatient hospital stay, and additional days beyond those covered by Medicare are not covered.
Other Services See details
IMCare Classic (HMO D-SNP) partially covers Other Services, providing up to $500 annually in reimbursement for Over-the-Counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, nicotine replacement therapy, and naloxone are not covered under this plan.
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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.
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