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Senior Care Plus Select Plan (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Senior Care Plus Select 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 Select Plan (HMO) in 2025, please refer to our full plan details page.
Senior Care Plus Select 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 Select Plan (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 Senior Care Plus Select 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 Select Plan (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $180.00. 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 no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $1450.00 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 Senior Care Plus Select Plan (HMO) has an enhanced alternative drug benefit. This plan has no deductible. During the initial coverage phase, you will pay varying copays or coinsurance depending on the drug tier and pharmacy. For example, you will pay no copay for preferred generic drugs at a standard pharmacy, while you will pay a $47 copay for standard generic drugs. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for covered drugs.
Additional Benefits
The Senior Care Plus Select Plan (HMO) offers a range of benefits, including inpatient hospital stays with a copay, and outpatient services with varying copays or coinsurance. Emergency and urgently needed services are covered with copays, and ambulance services have a $250 copay. Primary care visits have low copays, with coverage for specialist and mental health services. Preventive services are covered with no copay, and hearing, vision, and dental services are included with copays or coinsurance. The plan also covers home infusion, dialysis, and medical equipment with copays or coinsurance. Additionally, it covers home health services with no copay, and skilled nursing facility stays with a copay structure. Other benefits include OTC items with a quarterly allowance.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, but Non-Medicare-covered Stay for Inpatient Hospital-Acute, Upgrades for Inpatient Hospital-Acute, Additional Days for Inpatient Hospital Psychiatric, and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered. For Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, you pay a $175 copay for days 1-2 and no copay for days 3-90.
Outpatient Services See details
Outpatient Services are covered under the Senior Care Plus Select Plan (HMO), including outpatient hospital services with a copay between $0 and $440, observation services with a copay between $175 and $440, and ambulatory surgical center services with no copay. Outpatient substance abuse services are covered with a $25 copay for both individual and group sessions, and outpatient blood services are covered with 20% coinsurance.
Partial Hospitalization See details
Partial Hospitalization is covered under the Senior Care Plus Select Plan (HMO), and requires a doctor referral. The copay for this benefit is $100.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with a $250 copay for both ground and air ambulance services. 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 Select Plan (HMO), with copays of $140, $20-$45, and $140, respectively, and no coinsurance. Worldwide Urgent Coverage has a $45 copay and no coinsurance, while Worldwide Emergency Transportation is not covered.
Primary Care See details
Under the Senior Care Plus Select Plan (HMO), primary care physician services have a copay between $0 and $10, chiropractic services have a $20 copay, and occupational therapy services have a $15 copay. Physician specialist services have a $5 copay, and mental health specialty services have a $5 copay for individual and group sessions. Physical therapy and speech-language pathology services have a $15 copay, and opioid treatment program services have a $35 copay. Other health care professional services have a copay between $5 and $30, and psychiatric services have a $5 copay for individual and group sessions. Podiatry services are not covered.
Preventive Services See details
Preventive Services include coverage for Medicare-covered services with no copay, annual physical exams, health education, in-home safety assessments, post-discharge in-home medication reconciliation, nutritional/dietary benefits, additional sessions of smoking and tobacco cessation counseling, fitness benefits, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit. However, Personal Emergency Response Systems (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, Support for Caregivers of Enrollees, and Counseling Services are not covered.
Hearing Services See details
The Senior Care Plus Select Plan (HMO) covers hearing exams with a $35 copay, including routine hearing exams and fitting/evaluation for hearing aids. Prescription hearing aids are covered, with a maximum benefit of $400 per year for all types, but inner ear, outer ear, and over-the-ear hearing aids are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have a $15 copay, and routine eye exams have no copay. Eyewear has a 20% coinsurance for contact lenses, and a combined maximum benefit of $250 every year.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with a $15 copay, Oral Exams, Dental X-Rays, and Prophylaxis (Cleaning) with no coinsurance, as well as Restorative Services, Endodontics, Periodontics, Prosthodontics (removable), and Oral and Maxillofacial Surgery with no coinsurance. Fluoride Treatment, Maxillofacial Prosthetics, Implant Services, Prosthodontics (fixed), and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs are covered with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Senior Care Plus Select Plan (HMO), with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, is covered under the Senior Care Plus Select Plan (HMO). Durable medical equipment has a 10% coinsurance, and requires authorization. Prosthetic devices and medical supplies have a 10% coinsurance, while diabetic supplies have a 0-10% coinsurance and diabetic therapeutic shoes/inserts have a 10% coinsurance. Durable medical equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures/tests with a copay between $0 and $250, lab services with no copay, diagnostic radiological services with a copay up to $90, therapeutic radiological services with a copay of $80, and outpatient X-ray services with a $45 copay. A doctor referral is required for radiological services.
Home Health Services See details
Home Health Services are covered by the Senior Care Plus Select Plan (HMO) with no copay and no coinsurance, but a referral is required. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Senior Care Plus Select Plan (HMO). The plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Senior Care Plus Select Plan (HMO) with a $20 copay for days 1-20, a $200 copay for days 21-34, and no copay for days 35-100; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
The Senior Care Plus Select Plan (HMO) covers Over-the-Counter (OTC) Items with a maximum benefit of $140 every three months. Acupuncture, Meal Benefit, 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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