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Senior Care Plus Patriot Plan (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Senior Care Plus Patriot Plan (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Senior Care Plus Patriot Plan (HMO) in 2025, please refer to our full plan details page.
Senior Care Plus Patriot Plan (HMO) is a HMO plan offered by Renown Health available for enrollment in 2025 to people living in Washoe, Carson City, Storey Counties, NV. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Senior Care Plus Patriot Plan (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Senior Care Plus Patriot Plan (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 Senior Care Plus Patriot Plan (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. Additionally, this plan comes with a Part B Premium reduction of $65.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $2750.00 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
Prescription drugs are not covered by Senior Care Plus Patriot Plan (HMO).
Additional Benefits
The Senior Care Plus Patriot Plan (HMO) provides coverage for a wide range of services, including inpatient hospital stays with a copay and outpatient services with varying copays or coinsurance. The plan also covers emergency services, primary care, preventive services, and specialized services like hearing, vision, and dental. This plan offers additional benefits such as ambulance services, home health, and skilled nursing facility stays, each with specific cost-sharing arrangements. Prescription hearing aids, home-based palliative care, and additional days beyond Medicare-covered SNF stays are not covered.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric, are covered. For the lowest tier, you will pay a $350 copay for days 1-4, and no copay for days 5-90.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a copay between $0 and $440, observation services with a copay between $350 and $440, and ambulatory surgical center services with no copay. Outpatient substance abuse individual and group sessions have a copay of $40, and outpatient blood services have a 20% coinsurance.
Partial Hospitalization See details
Partial Hospitalization is covered under the Senior Care Plus Patriot Plan (HMO) with a doctor referral. You will pay a $130 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Senior Care Plus Patriot Plan (HMO). Ground and air ambulance services each have a $250 copay, and transportation services to a plan-approved health-related location are covered for up to 24 one-way trips per year.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage are covered under the Senior Care Plus Patriot Plan (HMO), with copays of $140, $30-$65, and $140, respectively, and no coinsurance. Worldwide Urgent Coverage has a $65 copay and no coinsurance, while Worldwide Emergency Transportation is not covered.
Primary Care See details
The Senior Care Plus Patriot Plan (HMO) covers primary care physician services with a copay between $0 and $10, and chiropractic services with a $20 copay. Occupational therapy services have a $20 copay, while physician specialist services have a $45 copay. Mental health specialty services, including individual and group sessions, have a $45 copay. Physical therapy and speech-language pathology services have a $20 copay, and opioid treatment program services have a $50 copay. This plan does not cover routine chiropractic care and podiatry services.
Preventive Services See details
Preventive Services are covered, including annual physical exams and additional preventive services, some of which require prior authorization. Also covered are Health Education, In-Home Safety Assessment, Post discharge In-Home Medication Reconciliation, Nutritional/Dietary Benefit, Additional Sessions of Smoking and Tobacco Cessation Counseling, Fitness Benefit, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, Counseling Services, Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit. Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Home-Based Palliative Care, In-Home Support Services, and Support for Caregivers of Enrollees are not covered.
Hearing Services See details
Hearing Services include coverage for hearing exams with a $50 copay, and fitting/evaluation for hearing aids, and prescription hearing aids (all types) with a maximum benefit of $400 per year. Prescription hearing aids - inner ear, outer ear, and over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision Services includes coverage for eye exams with a $40 copay, and eyewear with a 20% coinsurance for contact lenses, with a combined maximum plan benefit of $170 per year. Routine eye exams have no copay.
Dental Services See details
Dental Services are covered by the Senior Care Plus Patriot Plan (HMO), including Medicare Dental Services with a $40 copay. Other covered services include oral exams, dental x-rays, prophylaxis (cleaning), restorative services, endodontics, periodontics, prosthodontics, and oral and maxillofacial surgery with no coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. Medicare Part B Insulin Drugs have a $35 copay, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Senior Care Plus Patriot Plan (HMO), with a coinsurance of 20%.
Medical Equipment See details
Medical Equipment coverage includes Durable Medical Equipment (DME) with 20% coinsurance, and Prosthetics/Medical Supplies with 20% coinsurance; however, Durable Medical Equipment for use outside the home is not covered. Diabetic Equipment is also covered, with Diabetic Supplies having a 0-20% coinsurance, and Diabetic Therapeutic Shoes/Inserts having a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including all diagnostic services, lab services, and all radiological services. Diagnostic Procedures/Tests have a copay between $0 and $300, while Lab Services have no copay. Diagnostic Radiological Services have a copay of at most $130, Therapeutic Radiological Services have a copay of $80, and Outpatient X-Ray Services have a $60 copay.
Home Health Services See details
Home Health Services are covered by the Senior Care Plus Patriot Plan (HMO) 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 covered by the Senior Care Plus Patriot Plan (HMO), but the specific services are not covered. There is a copay for these services, but the exact amount is not specified.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Senior Care Plus Patriot Plan (HMO), but require prior authorization. For days 1-20, there is a $20 copay, for days 21-34 there is a $200 copay, and for days 35-100, there is no copay. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Senior Care Plus Patriot Plan (HMO) covers Over-the-Counter (OTC) Items with a maximum benefit coverage amount of $25.00 every three months, but 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.
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