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Verda Noble Care (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Verda Noble Care (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Verda Noble Care (HMO) in 2026, please refer to our full plan details page.
Verda Noble Care (HMO) is a HMO plan offered by Verda Healthcare, Inc. available for enrollment in 2026 to people living in Maricopa county. The overall rating for this plan is not yet available for 2026.
It's important to know that Verda Noble Care (HMO) 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 Verda Noble Care (HMO).
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 Verda Noble Care (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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 $300.00 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 $2099.00 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 Verda Noble Care (HMO) plan features an Enhanced Alternative drug benefit with a $300 prescription drug deductible. After meeting this deductible, you will enter the initial coverage phase where Tier 1 preferred generics and Tier 5 specialty drugs have no copay at standard pharmacies. For other tiers, you will pay a $40 copay for Tier 2 standard generics, 30% coinsurance for Tier 3 preferred brands, and 29% coinsurance for Tier 4 non-preferred drugs. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D drugs. Additionally, if you qualify for the Low-Income Subsidy, your Part D cost is reduced to $0. This plan offers a clear structure to help Medicare beneficiaries manage and lower their prescription medication expenses.
Additional Benefits
The Verda Noble Care (HMO) plan offers comprehensive medical coverage with no deductibles for outpatient, vision, and hearing services, alongside many benefits with no coinsurance. Inpatient hospital stays require no copay for days 1 to 3 and 8 to 90, while emergency visits and outpatient services feature predictable copays and no coinsurance. Additionally, primary care, urgent care, and preventive services are highly accessible, often requiring no copay or coinsurance. This plan also provides valuable supplemental benefits, including routine dental care with no coinsurance and routine vision and hearing exams with no deductibles. Members receive a $200 annual eyewear allowance, coverage for up to two hearing aids per year, and up to 24 free one-way transportation trips to health-related locations. Other essential services like home health, medical equipment, and a $55 monthly over-the-counter catalog allowance are also covered, though some require prior authorization.
Inpatient Hospital See details
Verda Noble Care (HMO) partially covers inpatient hospital benefits with no coinsurance, requiring no copay for days 1-3 and 8-90, and a $150 daily copay for days 4-7 of acute stays. Psychiatric stays require a $150 daily copay for days 1-5 and no copay for days 6-90, while additional days, non-Medicare-covered stays, and upgrades are not covered.
Outpatient Services See details
Verda Noble Care (HMO) covers outpatient services with copays ranging from $50 to $90 for outpatient hospital visits, $90 per day for observation services, and $20 to $40 for substance abuse sessions. These covered benefits require no coinsurance or deductibles, though prior authorization and doctor referrals are required for most services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by Verda Noble Care (HMO) with a $25 copay and no coinsurance. Prior authorization and a doctor referral are required to access these services.
Ambulance and Transportation Services See details
Verda Noble Care (HMO) covers ground ambulance services with a $119 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation benefits are partially covered, offering up to 24 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Verda Noble Care (HMO) covers emergency services with a $99 copay and no coinsurance, which is waived if you are admitted to the hospital within 48 hours, and urgently needed services with no copay and no coinsurance. Worldwide emergency and urgent care are partially covered up to a $50,000 maximum, although worldwide emergency transportation is not covered.
Primary Care See details
Verda Noble Care (HMO) offers partially covered Primary Care benefits, as podiatry services are not covered. Covered services feature no coinsurance, with copays of $20 for group and $40 for individual mental health and psychiatric sessions, and a $25 copay for opioid treatment.
Preventive Services See details
Preventive services are partially covered by Verda Noble Care (HMO), which features no copay for Medicare-covered Zero Dollar Preventive Services, though coinsurance and other copay details are not specified. Sub-services that are not covered include annual physical exams, health education, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, adult day health, nutritional benefits, palliative care, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Hearing Services are partially covered by Verda Noble Care (HMO), which includes one routine hearing exam and one fitting evaluation annually with no deductible. Prescription hearing aids (all types) are covered up to two per year with a copay ranging from $299.00 to $599.00 and no coinsurance, but OTC hearing aids and inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Verda Noble Care (HMO) covers vision services, including one routine eye exam per year and comprehensive eyewear options with no deductible. Members receive a combined maximum benefit of $200 annually toward contact lenses, eyeglasses, frames, lenses, and upgrades.
Dental Services See details
Verda Noble Care (HMO) dental services are partially covered, with orthodontics being the only excluded sub-service. Covered dental procedures require no coinsurance, with copayments ranging from no copay up to $1,615 depending on the service.
Home Infusion bundled Services See details
Verda Noble Care (HMO) covers home infusion bundled services, which require prior authorization and may involve step therapy. Medicare Part B insulin drugs are covered with a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs require no copay and carry a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered by Verda Noble Care (HMO) with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required to receive these services.
Medical Equipment See details
Medical equipment is covered by Verda Noble Care (HMO) with no copay and coinsurance ranging from no coinsurance up to 20%. Covered services include durable medical equipment, prosthetics, medical supplies, and diabetic equipment, all of which require prior authorization.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered by Verda Noble Care (HMO), though diagnostic procedures, lab services, and outpatient X-ray services are not covered. Covered diagnostic radiological services range from no copay to a $50 copay with no coinsurance, while therapeutic radiological services require a 20% coinsurance and no copay.
Home Health Services See details
Home health services are covered by Verda Noble Care (HMO), though patients must obtain prior authorization and a doctor referral to receive these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under Verda Noble Care (HMO), as all individual sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered by the plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by Verda Noble Care (HMO) with prior authorization and a referral, though additional days beyond the Medicare-covered limit are not covered. Covered stays require no coinsurance, with no copay for days 1 to 7, a $20 daily copay for days 8 to 20, and a $218 daily copay for days 21 to 100.
Other Services See details
Other Services are partially covered by Verda Noble Care (HMO), featuring up to 24 acupuncture treatments per year and a $55 monthly allowance for over-the-counter items ordered via catalog. The plan also covers meal benefits for chronic illnesses with prior authorization and a doctor referral, while Dual Eligible SNPs with Highly Integrated Services are not covered.
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