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SECUR Advantage (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for SECUR Advantage (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on SECUR Advantage (HMO I-SNP) in 2025, please refer to our full plan details page.
SECUR Advantage (HMO I-SNP) is a HMO I-SNP plan offered by Chapters CareNu Inc available for enrollment in 2025 to people living in Western Florida. The overall rating for this plan is not yet available for 2025.
It's important to know that SECUR Advantage (HMO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
SECUR Advantage (HMO I-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 SECUR Advantage (HMO I-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 SECUR Advantage (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $20.30. 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 $590.00 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 $8300.00 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 SECUR Advantage (HMO I-SNP) plan has a defined standard for drug coverage. Before your coverage begins, you must pay a deductible of $590.00. If you qualify for the low-income subsidy, you will pay $20.30. After your deductible is met, you will enter the initial coverage phase, where you will pay the costs for your drugs until your total drug costs reach $2000.00. After this, you will enter the catastrophic coverage phase, where you will pay nothing for your Part D covered drugs.
Additional Benefits
The SECUR Advantage (HMO I-SNP) plan offers a range of benefits with varying cost-sharing. Many services, such as primary care, home health, and preventive services, have no copay. However, many other services, including inpatient and outpatient services, have coinsurance costs, often around 20%. The plan also provides coverage for specific services like dental, vision, and hearing, with a mix of no copay and coinsurance. Additionally, the plan covers ambulance and transportation services, emergency services, and medical equipment with associated copays or coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered, though additional days for either are not covered. Both Inpatient Hospital-Acute and Inpatient Hospital Psychiatric require prior authorization and have coinsurance costs, with more details available in the plan documents.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, observation services, ambulatory surgical center (ASC) services, outpatient substance abuse services, and outpatient blood services are covered. Outpatient hospital services and observation services have a 20% coinsurance, outpatient substance abuse individual and group sessions have a minimum coinsurance of 20% and a maximum coinsurance of 20%, and outpatient blood services have a 20% coinsurance.
Partial Hospitalization See details
Partial Hospitalization is covered under the SECUR Advantage (HMO I-SNP) plan, but requires prior authorization. The plan has a 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the SECUR Advantage (HMO I-SNP) plan. Ground and air ambulance services have a 20% coinsurance, and transportation services to plan-approved health-related locations are covered with no copay, up to 40 one-way trips per year.
Emergency Services See details
Emergency Services are covered by the SECUR Advantage (HMO I-SNP) plan with a $95 copay, and no coinsurance. Urgently Needed Services are covered with a 20% coinsurance and no copay. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation are not covered.
Primary Care See details
The SECUR Advantage (HMO I-SNP) plan covers primary care physician services with no copay, and also covers chiropractic services with 20% coinsurance. Occupational therapy services have no coinsurance but do have a copay. Physician specialist services, mental health specialty services, and other health care professional services have 20% coinsurance. Physical therapy and speech-language pathology services have no copay, and additional telehealth benefits have 20% coinsurance. Opioid treatment program services have no copay.
Preventive Services See details
Preventive services include an annual physical exam with no copay, and additional preventive services including Health Education, Enhanced Disease Management, and Counseling Services, with no copay. In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Fitness Benefit, Telemonitoring Services, Remote Access Technologies (including Web/Phone-based technologies and Nursing Hotline), and Home and Bathroom Safety Devices and Modifications are not covered. Also covered are Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, all with no copay.
Hearing Services See details
The SECUR Advantage (HMO I-SNP) plan covers hearing exams with a coinsurance of at most 20% for routine hearing exams, and no copay. Prescription hearing aids (all types) are covered with no copay, but prescription hearing aids for the inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams, with a 20% coinsurance, and eyewear, with no copay. Routine eye exams have no copay.
Dental Services See details
Dental services are covered, with Medicare Dental Services subject to 20% coinsurance. Other Dental Services, including exams, x-rays, cleanings, and more, have no copay, with a maximum benefit of $4500 per year.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the SECUR Advantage (HMO I-SNP) plan and require prior authorization. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%, 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 by the SECUR Advantage (HMO I-SNP) plan. There is a 20% coinsurance for this benefit.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment, are covered by the SECUR Advantage (HMO I-SNP) plan. Durable Medical Equipment (DME) has a 20% coinsurance, and Durable Medical Equipment for use outside the home is not covered, while Medical Supplies and Diabetic Supplies and Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
The SECUR Advantage (HMO I-SNP) plan covers diagnostic and radiological services, including diagnostic procedures and tests with a coinsurance of at most 20%, and lab services with no copay. Diagnostic radiological services, therapeutic radiological services, and outpatient X-ray services are covered with a coinsurance of at most 20%.
Home Health Services See details
Home Health Services are covered by the SECUR Advantage (HMO I-SNP) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the SECUR Advantage (HMO I-SNP) plan. 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, but require prior authorization. This plan charges the Medicare-defined cost share for tier 1, and does not cover additional days beyond Medicare-covered SNF or non-Medicare-covered SNF stays.
Other Services See details
The SECUR Advantage (HMO I-SNP) plan covers Over-the-Counter (OTC) Items with no copay, up to a maximum of $200 every three months. Other services, including acupuncture, meal benefits, and several other services, are not covered.
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