AmeriHealth Caritas VIP Care (HMO D-SNP)

AmeriHealth Caritas VIP Care (HMO D-SNP) is a HMO D-SNP plan offered by Independence Health Group, Inc. available for enrollment in 2026 to people living in Baton Rouge Metro area. The overall rating for this plan is not yet available for 2026.

It's important to know that AmeriHealth Caritas VIP Care (HMO D-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 AmeriHealth Caritas VIP Care (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.

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 AmeriHealth Caritas VIP Care (HMO D-SNP) plan has an annual prescription drug deductible of $615. For drugs in Tiers 1 through 5, which include generic, brand-name, and specialty medications, you will pay a 25% coinsurance at standard pharmacies and standard mail order outlets. This percentage applies to preferred generics, generics, preferred brands, non-preferred drugs, and specialty tier medications. In contrast, Tier 6 select care drugs are available with no copay for standard pharmacy fills and standard mail orders. This benefit allows you to access essential select care medications at zero cost during the initial coverage phase.

Additional Benefits

The AmeriHealth Caritas VIP Care (HMO D-SNP) offers comprehensive medical coverage featuring no copays for primary care and specialist visits, though a coinsurance of up to 30% may apply. Inpatient hospital stays require a copay of $1,050 for the first two days of acute care, while outpatient hospital services and diagnostic tests feature no copay and a 20% to 30% coinsurance. Emergency care is covered with a $115 copay, and the plan provides up to 40 one-way transportation trips per year to approved locations with no copay or coinsurance. Additional benefits include dental, vision, and hearing coverage with no copays or coinsurance, offering up to $3,000 annually for dental services, a $400 yearly eyewear allowance, and a $2,000 hearing aid limit every three years. Members also receive home health services with no copay, durable medical equipment with a 20% coinsurance, and a $45 monthly allowance for over-the-counter items.